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    • E-Branch Plus
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    • Member First Mortgage
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    • Checking
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    • IRAs
    • Business Accounts
    • Money Market
    • Deposit Rates
  • Loans
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    • Credit Card
    • Personal
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    • Product & Services
    • Loan Rates
  • Resources
    • Contact Information
    • Board of Directors
    • How to Join
    • Wire Transfers
    • Schedule of Fees
    • Privacy Policy
    • Job Application
    • Credit Card Disclosure
    • Lost or Stolen Card
  • More
    • Home
    • E-Access
      • E-Branch Plus
      • Visa Credit Card
      • Bill Pay
      • CU Mortgage
      • Member First Mortgage
    • Account
      • Savings
      • Checking
      • CDs
      • IRAs
      • Business Accounts
      • Money Market
      • Deposit Rates
    • Loans
      • Auto
      • Recreational Vehicle
      • Credit Card
      • Personal
      • Home Equity
      • Product & Services
      • Loan Rates
    • Resources
      • Contact Information
      • Board of Directors
      • How to Join
      • Wire Transfers
      • Schedule of Fees
      • Privacy Policy
      • Job Application
      • Credit Card Disclosure
      • Lost or Stolen Card
  • Home
  • E-Access
    • E-Branch Plus
    • Visa Credit Card
    • Bill Pay
    • CU Mortgage
    • Member First Mortgage
  • Account
    • Savings
    • Checking
    • CDs
    • IRAs
    • Business Accounts
    • Money Market
    • Deposit Rates
  • Loans
    • Auto
    • Recreational Vehicle
    • Credit Card
    • Personal
    • Home Equity
    • Product & Services
    • Loan Rates
  • Resources
    • Contact Information
    • Board of Directors
    • How to Join
    • Wire Transfers
    • Schedule of Fees
    • Privacy Policy
    • Job Application
    • Credit Card Disclosure
    • Lost or Stolen Card

About Us

E-Checking

Senior Advantage

Value Checking

Monthly Service Fee

$0


Opening Deposit

$25


Minimum Balance

$0


Courtesy Pay

Up to $400 with Direct Deposit


Dividends Paid

Not a dividend bearing account


Bill Pay Service

Not Available

(Must Upgrade to Choice Checking)


Requirements

Membership Account (savings)

E-Statements



Value Checking

Senior Advantage

Value Checking

Monthly Service Fee

$3


Opening Deposit

$25


Minimum Balance

$0


Courtesy Pay

Up to $400 with Direct Deposit


Dividends Paid

Not a dividend bearing account


Bill Pay Service

Not Available

(Must Upgrade to Choice Checking)


Requirements

Membership Account (savings)

Senior Advantage

Senior Advantage

Senior Advantage

Monthly Service Fee

$1


Opening Deposit

$25


Minimum Balance

$0


Courtesy Pay

Up to $400 with Direct Deposit


Dividends Paid

On balances over $200**


Bill Pay Service

Not Available

(Must Upgrade to Choice Checking)


Requirements

Membership Account (savings)

Must be age 65 or over

Choice Checking

Senior Advantage

Senior Advantage

Monthly Service Fee

$6


Opening Deposit

$25


Minimum Balance

$0


Courtesy Pay

Up to $400 with Direct Deposit


Dividends Paid

On All Balances 


Bill Pay Service

Yes


Requirements

Membership Account (savings)


Additional Information

*Must apply and be approved. Requires direct deposit to checking account.

**Dividends are set the last month of each quarter by the Board of Directors.


Overdraft Courtesy Pay

When items try to clear and account with insufficient funds, Overdraft Courtesy Pay will pay each item up to the overdraft limit. Should you use Overdraft courtesy Pay, the item will be paid and your account will be charged a fee for each item. This is the same fee we charge for  insufficient fund checks that are returned unpaid (See Rate & Fee). Overdraft Courtesy Pay Privilege is not a line of credit. If you have overdraft protection already set up to come from another account or from a line of credit loan, these services will be assessed before the Overdraft Courtesy Pay is used.  If you do not have these overdraft protection alternatives or there is not enough funds available in them to cover the item, the Overdraft Courtesy Pay will normally cover your overdraft (including the fee for each item) up to $400, and your account will show a negative balance . If the amount exceeds $400, the item will be returned unpaid, and an insufficient funds fee will be charged to your account. You must bring your account to positive balance at least once every 30 day period.

  • Deposit Rates
  • Loan Rates
  • How to Join
  • Wire Transfers
  • Schedule of Fees
  • Privacy Policy
  • Job Application
  • Credit Card Disclosure
  • General Notice
  • Lost or Stolen Card
  • Teacher of the Week
  • Accessibility Statement

Concho Educators Federal Credit Union

3215 W Loop 306, San Angelo, TX 76904

Federally Insured by NCUA | Equal Housing Lender

© 2023 Concho Educators Federal Credit Union.  All Rights Reserved

ACH Routing Number: 3113-8786-5

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