Business Details
50+ Years
experience
Your Trusted Financial Partner in San Angelo, TX
Concho Educators has served the financial needs of educators and residents in Tom Green County since 1941. Originally chartered to support San Angelo Independent School District employees, we expanded our membership to include Angelo State University faculty, students, and eventually all county residents. With over $100 million in assets and 7,000 members, our credit union combines local expertise with competitive financial products. We specialize in mortgage services, auto loans, personal loans, and home equity financing while maintaining a strong commitment to community development. Our team of mortgage experts provides personalized guidance for homebuyers, and our partnership with Working Advantage offers exclusive travel and entertainment discounts.Federally insured by NCUA, we maintain rigorous financial standards while delivering equal housing opportunities. Our experienced leadership team includes President/CEO Jerry Merrill and Vice Presidents specializing in finance, IT, and lending. We operate three full-service branches in San Angelo with extended drive-thru hours to accommodate member schedules. Through strategic mergers and membership expansions, we've maintained steady growth while preserving our founding mission of educational financial empowerment. Today, we continue innovating with digital banking solutions while upholding the personal service that defines our 80-year legacy.
Services
Mortgage Loans
Auto Financing
Personal Loans
Home Equity Loans
Savings Accounts
Checking Accounts
Credit Cards
CDs & IRAs
Online Banking
ATM Services
Details
- Year established: 1941
Highlights and features
- We offer competitive mortgage rates with personalized local service
- Our team includes certified mortgage experts with 80+ combined years of experience
- We provide exclusive travel discounts through Working Advantage partnerships
- We maintain 24/7 digital banking access with enhanced security features
- Our community-focused approach has served Tom Green County since 1941
Associations and certifications
- NCUA
What people say
Competitive mortgage rates
Personalized service
Excellent loan terms
Friendly staff
Easy online banking
Services
Mortgage Loans
Our mortgage services help members achieve homeownership with competitive rates and flexible terms. We offer personalized guidance through the entire loan process, from pre-approval to closing. Our local experts understand San Angelo's housing market and provide tailored solutions for first-time buyers and experienced homeowners.
Auto Financing
We provide affordable auto loans for new and used vehicle purchases with streamlined approval processes. Our financing options include competitive APRs and terms up to 72 months for qualified borrowers. Members receive personalized rate quotes and payment planning assistance from our lending specialists.
Online Banking
Our 24/7 digital banking platform enables account management, bill payments, and fund transfers from any device. Features include real-time transaction tracking, eStatements, and secure messaging with customer service. We implement industry-leading encryption to protect members' financial information.
Savings Accounts
We offer multiple savings options including regular savings accounts, money market accounts, and certificates of deposit. Our tiered interest rates reward members for maintaining higher balances while maintaining liquidity. All deposits are federally insured up to $250,000 through NCUA.
Credit Cards
Our Visa credit cards feature competitive rewards programs and no annual fees for qualified applicants. Members can choose between cashback rewards or travel points accumulation. We provide free credit score monitoring and fraud protection services to all cardholders.
People
Jerry Merrill
President/CEO
Jerry Merrill leads our credit union with over 25 years of financial services experience. He oversees strategic operations and maintains our commitment to member satisfaction. Jerry actively participates in local education initiatives and community development projects.
Kathy Gonzales
Vice President/CFO
Kathy Gonzales manages financial operations with expertise in credit union accounting and regulatory compliance. She has implemented multiple efficiency improvements in our financial processes. Kathy holds certifications in credit union financial management.
Amy Angel
Vice President of Branch Operations
Amy Angel supervises branch network operations and customer service standards. She has expanded our member service training programs and improved branch efficiency metrics. Amy has 18 years of credit union operations experience.
Ciro Garcia
Vice President of IT
Ciro Garcia leads our technology initiatives and cybersecurity programs. He has implemented digital banking upgrades and enhanced data protection systems. Ciro holds multiple IT security certifications and manages our technology roadmap.
Saul Torres
Vice President of Lending
Saul Torres oversees all lending operations with expertise in mortgage and consumer loan products. He has expanded our loan portfolio while maintaining strict underwriting standards. Saul provides training to our lending staff on current market trends.
Questions
How do I become a member?
Membership is open to anyone living, working, or worshiping in Tom Green County. Visit any branch with ID and proof of address to open an account.
What loan types do you offer?
We provide mortgage loans, auto financing, personal loans, home equity loans, and credit cards with competitive rates for qualified applicants.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the NCUA, with additional coverage through share insurance.
Do you have mobile banking?
We offer 24/7 digital banking with account access, bill payments, and transaction alerts through our mobile app and online portal.
What are your branch hours?
Our branches operate Monday-Friday 9am-5pm, with extended drive-thru hours and Saturday availability at select locations.
Can I apply for loans online?
Yes, we accept online loan applications for most products with instant preliminary approval decisions available through our digital platform.
