Click below to open your primary membership account today. Once you submit your online application, our team will review your information. After approval, we’ll reach out with your new account number and simple next steps to get started and fund your account. We look forward to welcoming you as a member.
Whether you're purchasing a new vehicle, buying a home, or covering personal expenses, we offer a range of loan options with competitive rates and flexible terms to fit your needs.
Make a House Your HOME!
Let us help make your dream house a reality. When you finance your home through Concho Educators Federal Credit Union, you get friendly, local service backed by a team of mortgage experts.
Get ready for your chance to win the ultimate Las Vegas getaway! From September 14 through December 14, 2026, eligible CEFCU members can earn entries by opening qualifying accounts, applying for loans or a Visa Rewards Credit Card, or referring friends and family to join the credit union.
One lucky Grand Prize Winner will receive a trip for two to Las Vegas, including roundtrip airfare, a 4-day/3-night hotel stay, two tickets to see the Eagles live at the Venetian Sphere, and $250 in spending cash. Plus, ten additional winners will each receive $50 cash prizes.
Debit & Credit Card Features
• Turn cards on and off for added security
• Tap to pay for quick, contactless purchases
• Add cards to your mobile wallet
• 24/7 fraud monitoring
• Instant-issue debit cards
Online & Mobile Services
• E-Alerts for account activity and transactions
• Electronic Check Deposits (1)
• Open a new membership account
• Open additional savings accounts
• Open personal checking accounts
• Open certificates of deposit accounts
• Access to ACH Direct Deposits Early (receive funds up to 3 days early)
• Free Express Bill Pay with all checking accounts
• Person-to-person with Express Bill Pay
(1) = Mobile App Banking Only


We have partnered with Working Advantage, a discount company to give our members great deals to Six Flags, Disney World, Hotels, Flights, plus many more items like travel and entertainment!
Whether you're looking for local things to do or planning a dream getaway, we offer incredible savings on adventures for every interest and budget. Start planning your next trip today.
Use code "CONCHOPERKS" when signing up and enjoy great discounts!

We make it easy to do the right thing for your family and help protect them financially if something should happen to you.
TruStage® Life Insurance can be a simple, affordable way to help protect your family. It can provide your loved ones with money to help pay for things like mortgage or rent payments, day-to-day bills, or medical and funeral bills.
TruStage makes it easy to compare insurance and explore your options—so you can make the right choice for your family.
Don’t wait. Get an instant online quote today. Or call
1-833-374-1544 and talk to a licensed agent.


Concho Educators Federal Credit Union
3215 W Loop 306, San Angelo, TX 76904
Federally Insured by NCUA | Equal Housing Lender
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