Today's rate snapshot
Click a card to switch the table below to that loan type.
How rates trended in Texas
Daily average across every credit union lending in TX, past 90 days. Dashed line is the national FRED benchmark, plotted on the date FRED assigns each reading (it is published about a day later).
Mortgage rates in Texas
Credit unions lending in Texas
Membership is open to employees of various schools in Victoria, Texas, including Victoria ISD, several private academies, and Bloomington ISD. Students and employees of Victoria College are also eligible, and immediate family members of current members may join as well.
Neighborhood Credit Union is open to anyone who lives in the state of Texas.
Membership is open to anyone who lives, works, worships, or attends school in Jefferson, Hardin, Orange, Chambers, Polk, Jasper, Liberty, Newton, and Tyler counties, as well as the Bolivar Peninsula, or by joining the Cornerstone Credit Union Foundation.
Neches FCU is open to those who live, work, worship, or attend school in various Southeast Texas counties including Jefferson, Hardin, Orange, Jasper, Newton, Tyler, Liberty, and Chambers. Membership is also available to individuals at Lamar University, residents of Galveston Island or the Bolivar Peninsula, and immediate family of current members.
Membership in Education First Federal Credit Union is open to those who live, work, worship, or attend school in Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Tyler, and Trinity counties in Texas. Employees, current or retired, of East Chambers or High Island Independent School Districts are also eligible. Additionally, individuals wit
Open to anyone who lives, works, worships, or attends school in Archer, Clay, Jack, or Young counties in Texas. Immediate family members of existing members and credit union employees are also eligible.
Membership is open to anyone who lives, works, worships, or attends school in Bexar County, Texas.
FAIRWINDS Credit Union offers nationwide membership to anyone in the United States, regardless of location, who values financial stability and freedom.
Rave Financial is open to anyone who lives, works, worships, or attends school in one of 16 specific Texas counties, including Harris, Galveston, and Jefferson. Family members of current credit union members are also eligible to join.
Membership in Brazos Valley Schools Credit Union is open to individuals who live, work, worship, or attend school within the boundaries of 51 school districts across a 13-county area. Previously, the credit union was chartered as Tri-County Teachers Credit Union, serving educators in Waller County, Fort Bend County, and Katy ISD. Immediate family members of a current BVSCU member are also eligible
See which of these credit unions you can join
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Common questions
Twice a week — every Monday and Thursday. We re-read the publicly posted rate pages from every credit union that lends in Texasstarting around 11 a.m. Central.
Yes — credit unions require membership before closing. Most let you open a share account and apply for a mortgage on the same day.
We display both when the credit union publishes them. See our APR vs. interest rate vs. points guide.
Most large banks don't publish mortgage rates online — they quote per applicant. Credit unions almost always post theirs publicly, which is why they dominate our comparison.
How do credit union mortgage rates in Texas compare to bank rates?
We don't publish bank rates, so the fairest comparison available is the national average across all lenders. Freddie Mac's weekly PMMS average puts the 30-year fixed rate at 7.24% as of October 29, 2026.
Of the 73 credit unions listed here lending in Texas with a 30-year fixed mortgage, 19 advertise an interest rate with no points, no buydown and no 1%-down restriction. Among those 19, the median rate is 7% and the lowest is 5.99%, at VICTORIA TEACHERS. 16 of the 19 are below the national average.
We narrow the set because a rate bought down with points is not comparable to one without points.
One caveat in our favour and one against. Freddie Mac's average includes credit unions alongside banks, so it is a blended figure — if credit union rates sit below the blend, they sit further below a bank-only average. Against: since November 17, 2022, PMMS has used actual mortgage loan applications rather than a lender survey. Our figures are advertised rates, typically a lender's best tier, not application rates. Freddie Mac also stopped publishing average points then, so we can't confirm its point structure, while every rate in our comparison set is a zero-point rate. Freddie Mac's methodology.
More on reading these numbers: APR vs. interest rate vs. points and how we collect rates.
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