Loans for the truck, the camper and the house
Apply online in a few minutes, or sit down with someone at any of our three branches.
Estimate a monthly payment
For illustration only. Your actual rate and payment depend on your credit, the loan amount and the term.
Auto loans
Financing for new and used cars and trucks. Fill out the application online and we will be in touch about the next steps, or start it in person at your branch.
- New and used vehicles
- Apply online or at any branch
- Pay through online banking, at a branch or by card
Apply online or in personHome loans
Buy or refinance your home with a conventional fixed rate mortgage, offered with our partner Member First Mortgage. Loans are for primary residences in Texas.
- Purchase and refinance
- Fixed rate for the life of the loan
- Single-family primary residences in Texas
Example: a $320,000 purchase loan with 20% down has 360 monthly principal and interest payments of $1,867.43.
*APR is Annual Percentage Rate. Available on all 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 conventional rate and APR examples assume a 20% cash down payment required by the borrower, with 80% financing on a purchase with a loan amount of $320,000. The 30-year conventional rate and APR are based on 360 monthly principal and interest payments of $1,867.43. Monthly payments reflect principal and interest only; they 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.
More ways to borrow and pay
From the weekend ride to the holiday budget.
RV loans
Financing for campers, travel trailers and motorhomes.
ApplyMotorcycle loans
Financing for new and used motorcycles.
ApplyChristmas Skip-a-Pay
Skip one monthly loan payment at the holidays, for $25 per loan. The form goes out each fall.
Get the formMake a payment
Pay online with a debit or credit card, from your Caprock account, or at any branch.
Ways to payHow to apply
Apply
Fill out the loan application online, or start it with us at any branch.
Start the applicationHear back from us
We review your application and contact you about the decision and anything else we need.
Sign and go
Sign your loan papers and you are on your way.
Questions about loans
Don't see yours? Call us at (806) 872-5151.
How do I make a loan payment?
Transfer from your Caprock account in online banking, pay at any branch, or pay online with a debit or credit card (a convenience fee applies).
What is Christmas Skip-a-Pay?
Each holiday season you can skip one monthly payment on an eligible loan, for a fee of $25 per loan. The form goes out each fall; find it on Forms and documents.
Who handles home loans?
Caprock offers home loans with our partner Member First Mortgage, LLC (NMLS ID 149532). Caprock’s NMLS ID is 812299.
What should I have ready when I apply?
Usually a photo ID, proof of income, and details about the vehicle or home you are buying. We will let you know if we need anything else.