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Federally insured by NCUA
Locations and hours Rates Make a payment (806) 872-5151
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The caprock escarpment in early morning light, seen from Farm to Market Road 669 in Garza County

Banking that stays close to home

Caprock Federal Credit Union is owned by the people who bank here. Checking, savings, auto loans and home loans, with branches in Lubbock, Lamesa and Seminole.

Become a MemberApply for a loan
  • Federally insured by NCUA
  • No monthly service charge on checking
  • No membership fee
Merger news
Plains Federal Credit Union members, welcome to Caprock.

Our two credit unions have officially merged. For now, how you bank stays the same.

What it means for you

From a first savings account to a first home

Every product here comes with the same membership, and the same people at the counter.

Checking with no monthly service charge

Choose from four checking accounts. Open one with $25 and use it with online banking, bill pay and your debit card.

  • No monthly service charge
  • $25 to open
  • Free online banking, online transfers and Caprock Bill Pay
Compare checking accounts
A woman smiling at her phone outdoors in the late afternoon sunNo monthly service charge

Featured rates

A few highlights from our rate schedule. The full schedule lists every account and term.

Christmas Club
1.50%
APY*

On balances up to $15,000. Save all year; your club pays out into savings in early November.

About the Christmas Club
60-month certificate
0.50%
APY*

$1,000 minimum. Bump-up rates are available on select terms of 12 months or more.

See every term
Jumbo certificate
0.65%
APY*

36 or 60 months, with a $99,000 minimum.

See jumbo rates
30-year fixed mortgage
5.75%
Rate / 5.916% APR**

Conventional loan for a primary residence in Texas, offered with Member First Mortgage.

About home loans
See the full rate schedule

*APY is Annual Percentage Yield. Savings and certificate rates are from our Truth in Savings rate schedule dated April 1, 2025, and may change after an account is opened. Fees could reduce earnings. Certificates carry a penalty for early withdrawal and take no additional deposits.

**APR is Annual Percentage Rate. Available on purchase and refinance applications in the State of Texas only, for a primary residence using a conforming conventional loan portfolio product with Caprock Federal Credit Union. Not eligible on multi-unit properties, condos, townhomes or manufactured houses. The rate and APR assume a 20% cash down payment with 80% financing on a purchase with a loan amount of $320,000: 360 monthly principal and interest payments of $1,867.43. Payments do not include taxes, insurance or private mortgage insurance (PMI). This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Member First Mortgage, LLC (MFM) is a partner of Caprock Federal Credit Union. Mark Crowley, NMLS #458989, is authorized to act as agent of Caprock Federal Credit Union (709 North 1st, Lamesa, TX 79331 | (806) 872-5151 | NMLS ID: 812299) and is authorized to represent MFM, a licensed Mortgage Lender/Servicer (Corporate Office: 616 44th Street SE, Grand Rapids, MI 49548 | (616) 538-1818 | NMLS ID: 149532). For licensing information, visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.

Your accounts, open whenever you are

Online banking is free for members. Check balances, move money between accounts and pay bills from your phone or computer, any time of day.

  • Online bankingFree, around the clock
  • Online transfersMove money between your accounts
  • Caprock Bill PayPay your bills from one place, free
  • Debit cardNo fee for transactions at our ATM
Sign in to Online BankingNew here? Become a member

Owned by the people who bank here

A credit union has no outside shareholders. Every member is an owner, so Caprock is run for its members, not for profit.

9
West Texas counties

Borden, Crosby, Dawson, Floyd, Gaines, Garza, Hale, Lubbock and Lynn

3
Branches

Lubbock, Lamesa and Seminole

$250K
Federal insurance

NCUA insures deposits up to $250,000 per member, per ownership category

$0
Membership fee

Joining is free. Your $25 savings deposit stays yours.

Live, work or worship in these counties? You can join.

Family of current members can join too: parents, brothers and sisters, aunts and uncles.

  • Borden
  • Crosby
  • Dawson
  • Floyd
  • Gaines
  • Garza
  • Hale
  • Lubbock
  • Lynn
Become a MemberWho can join
Farm to Market Road 651 climbing the caprock escarpment in Crosby County

Three branches on the South Plains

Stop by to open an account, apply for a loan or talk with someone in person.

Sunrise over the caprock escarpment of the Llano Estacado

Open your membership with $25

Start online whenever it suits you, or come by a branch and we will get you set up in person.

Become a MemberCall (806) 872-5151
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