Rates
Savings, checking, certificate and IRA rates from our Truth in Savings rate schedule, and our featured home loan rate.
Share savings
Your share savings account is your membership. Rates are tiered, so larger balances earn more.
- $25 minimum balance
- Dividends compounded monthly
| Balance | Dividend rate | APY* |
|---|---|---|
| Up to $999.99 | 0.01% | 0.0100% |
| $1,000 and up | 0.01% | 0.0100% |
| $2,500 and up | 0.01% | 0.0100% |
| $5,000 and up | 0.02% | 0.0200% |
| $10,000 and up | 0.03% | 0.0300% |
| $25,000 and up | 0.04% | 0.0400% |
| $50,000 and up | 0.05% | 0.0450% |
| $100,000 and up | 0.06% | 0.0600% |
*APY is Annual Percentage Yield. Rates are from our Truth in Savings rate schedule dated April 1, 2025, and may change after an account is opened. Dividends are compounded monthly. Fees could reduce earnings.
Checking
Every checking account has no monthly service charge.
- $25 to open
- No minimum balance to earn dividends
| Account | Dividend rate | APY* | Minimum balance |
|---|---|---|---|
| Elite | 0.03% | 0.0300% | $0.00 |
| Premium | 0.02% | 0.0200% | $0.00 |
| Caprock Checking | 0.01% | 0.0100% | $0.00 |
| Caprock Convenience | 0.00% | 0.0000% | $0.00 |
*APY is Annual Percentage Yield. Rates are from our Truth in Savings rate schedule dated April 1, 2025, and may change after an account is opened. Dividends are compounded monthly. Fees could reduce earnings.
Share certificates
Fixed rates from 6 to 60 months. The same terms are available for IRA certificates.
- $1,000 minimum (jumbo: $99,000)
- Renew automatically at maturity
- Bump-up option on select terms of 12 months or more
| Term | Dividend rate | APY* |
|---|---|---|
| 6 months | 0.15% | 0.1501% |
| 12 months | 0.25% | 0.2503% |
| 18 months | 0.25% | 0.2503% |
| 24 months | 0.27% | 0.2703% |
| 30 months | 0.40% | 0.4007% |
| 36 months | 0.50% | 0.5011% |
| 42 months | 0.42% | 0.4208% |
| 48 months | 0.45% | 0.4509% |
| 54 months | 0.47% | 0.4710% |
| 60 months | 0.50% | 0.5011% |
| Term | Dividend rate | APY* |
|---|---|---|
| 6 months | 0.30% | 0.3004% |
| 12 months | 0.40% | 0.4007% |
| 18 months | 0.40% | 0.4007% |
| 24 months | 0.42% | 0.4208% |
| 30 months | 0.55% | 0.5514% |
| 36 months | 0.65% | 0.6519% |
| 42 months | 0.57% | 0.5715% |
| 48 months | 0.60% | 0.6017% |
| 54 months | 0.62% | 0.6218% |
| 60 months | 0.65% | 0.6519% |
*APY is Annual Percentage Yield. Rates are from our Truth in Savings rate schedule dated April 1, 2025, and may change after an account is opened. Dividends are compounded monthly. Fees could reduce earnings. Certificates take no additional deposits. Early withdrawal penalty: 90 days of dividends on 6-month certificates, 180 days on 12- and 18-month certificates, and 365 days on 24-, 36- and 60-month certificates. The 60-month certificate allows two bump-ups; contact us during the term to request one.
Clubs and IRAs
Christmas Club balances move into your share savings in early November. Uncle Sam’s Club withdrawals are available on demand.
- No minimum balance on clubs
- $50 minimum for an IRA share account
| Account | Dividend rate | APY* |
|---|---|---|
| Christmas Club, up to $15,000 | 1.50% | 1.5085% |
| Christmas Club, above $15,000 | 0.06% | 0.0600% |
| Uncle Sam's Club, up to $15,000 | 1.50% | 1.5085% |
| Uncle Sam's Club, above $15,000 | 0.06% | 0.0600% |
| IRA shares, all balances | 0.25% | 0.2502% |
*APY is Annual Percentage Yield. Rates are from our Truth in Savings rate schedule dated April 1, 2025, and may change after an account is opened. Dividends are compounded monthly. Fees could reduce earnings.
30-year fixed mortgage
A conventional fixed rate loan to buy or refinance a primary residence in Texas, offered with our partner Member First Mortgage.
- Purchase and refinance
- Fixed for the life of the loan
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.