Caprock Credit Union Lamesa TX | Affordable Vehicle Loans & Business Banking

Introduction

At Caprock, we believe in building strong, lasting relationships with our members and the community. Located at 709 N 1St St, Lamesa, TX 79331, our main office has been serving members since 1965. With a commitment to providing personalized financial services, we proudly support over 3,197 members by offering a range of products tailored to meet their needs. While members can visit us at our branch address, official correspondence should be sent to our mailing address: PO BOX 300, LAMESA, TX 79331. Our team is dedicated to ensuring you have access to the resources necessary for achieving your financial goals. As of now, our total assets stand at an impressive $38,431,410, and we maintain a robust net worth of $4,779,251. Under the leadership of CEO Dale Hansard and Board President Dionicio Garza, we have created a welcoming environment where our members can thrive. Our team consists of 14 employees who are ready to assist you with personal banking needs like checking and savings accounts, auto loans, mortgages, and more. We also offer online and mobile banking options for your convenience. With total loans amounting to 2,066 and total deposits reaching $163,054, Caprock stands as a reliable partner in your financial journey. Our goal is not just to provide services but to empower our community through responsible lending practices and financial education. We invite you to experience the Caprock difference firsthand! Visit us or give us a call at 806-872-5151 during our operating hours from 8:30 AM - 4:00 PM, Monday through Friday. Let us help you achieve your financial aspirations today! For more information about our services or to start your application process online, check out our website at Caprock Credit Union. We look forward to serving you!

Branch History & Mission

Community Focus

Caprock isn't just about banking; it's about being part of the Lamesa community. We regularly engage in various outreach programs that support local schools and charities. By partnering with other organizations in the area, we work together to uplift those around us and create opportunities for growth. As we look toward the future, we invite you to become part of our story. Join Caprock today and experience firsthand how we blend tradition with innovation to serve your financial needs while making a positive impact in our community. Let's grow together! For more information or assistance, don't hesitate to call us at (806) 872-5151 or visit us online at Caprock Credit Union.

Mission Statement

Our mission at Caprock is simple yet impactful: to empower our members through exceptional financial services while fostering a strong sense of community. We believe that by supporting our members' financial goals whether it's buying a new car or saving for a home we contribute to the overall well-being of Lamesa and its surrounding areas. Our commitment goes beyond just transactions; we actively participate in community outreach efforts aimed at improving lives and strengthening local connections. While members can visit us at 709 N 1St St Lamesa Tx 79331, official correspondence should be sent to PO BOX 300, LAMESA, TX 79331 if needed. We offer drive-thru banking and ATM services for added convenience during our operating hours from 8:30 AM to 4:00 PM Monday through Friday.

Our Evolution

From the beginning, Caprock has focused on providing accessible and affordable financial services. We understand that every member's journey is unique, which is why we offer a variety of products including checking and savings accounts, auto loans, mortgages, and personal loans. As we've expanded our offerings over the years, we've also embraced digital advancements to make banking easier than ever. Members can now enjoy online banking, mobile payments, and e-statements all designed to enhance convenience while maintaining personal service.

Branch Location & Accessibility

Call to Action

At Caprock, we prioritize your banking experience. If you have questions or need assistance, don't hesitate to reach out at 806-872-5151. We invite you to come visit us soon and discover how we can help meet your financial needs!

Nearby Landmarks and Accessibility Features

Our branch is situated near the heart of Lamesa, making it an ideal spot for residents and visitors alike. Just a short walk from local shops and eateries, you'll find us nestled in a vibrant community setting. We have ample parking available, ensuring that you can stop by without any hassle. Our facilities are ADA-compliant, featuring ramps and accessible entrances to accommodate all members of the community.

Operating Hours and Services Offered

We know how busy life can get, which is why we're open Monday through Friday from 8:30 AM to 4:00 PM. Feel free to swing by during these hours; we're ready to assist you with everything from checking and savings accounts to auto loans and mortgage refinancing. Our drive-thru service makes quick transactions even easier, allowing you to complete deposits and withdrawals without leaving your car. Plus, with ATM availability on-site, cash withdrawal and balance checks are just moments away. While members can visit us at 709 N 1St St, official correspondence should be sent to PO BOX 300, Lamesa, TX 79331.

Member Eligibility

Welcome to the Caprock community! Becoming a member at Caprock is an inviting and straightforward process designed to connect you with valuable financial services tailored to your needs. To join, you'll need to meet some eligibility criteria, which can include factors like living, working, or attending school in the area. If you're curious about the specific requirements, we encourage you to check out more details here. Once you've confirmed your eligibility, opening an account is easy. You can start the process online by visiting our account opening page at this link. If you have any questions along the way or need assistance, don't hesitate to reach out to us at 806-872-5151. We're here to help! Come visit us at our branch located at 709 N 1St St, Lamesa, TX 79331, and discover how Caprock can support your financial journey.

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine being able to process payments seamlessly while keeping track of your sales effortlessly. Our merchant services equip you with the tools needed for efficient payment processing, ensuring that you can focus on what matters most growing your business. With user-friendly solutions, you'll enjoy quick transactions and reliable customer support. Located at 709 N 1St St Lamesa Tx 79331 in Lamesa, TX, we're dedicated to empowering local businesses with the financial resources they need. Reach out at (806) 872-5151 to learn how we can partner with you for success!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although we currently have no member or non-member commercial loans disbursed, we recognize the importance of accessible financing. As your business evolves, we are here to provide flexible loan options tailored to your needs when the time is right.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Need a new car? Our auto loans and vehicle financing options make it easy to hit the road in style. With competitive rates, we aim to get you behind the wheel without breaking the bank. Picture yourself driving away in your dream car, all thanks to a loan tailored just for you.

Business Banking Services

For small business owners, Caprock offers specialized business banking services including merchant services and business loans. We're committed to helping local businesses thrive because we believe in supporting our community.

Cash Withdrawal Services

Need cash? Our ATM services are available for quick withdrawals and balance checks whenever you need them. Plus, enjoy basic drive-thru banking for simple transactions like deposits or withdrawals without leaving your car. At Caprock, located in beautiful Lamesa, TX, we pride ourselves on being more than just a credit union we're a partner in your financial journey. If you have questions about any of our services or want to explore how we can meet your specific needs better, don't hesitate to reach out at 806-872-5151. We're here Monday through Friday from 8:30 AM - 4:00 PM ready to assist you! Ready to take the next step? Visit us or check out our website at caprockcu.com today!

Digital Banking Convenience

In today's fast-paced world, managing finances on-the-go is essential. That's why we offer robust online and mobile banking features. Check your balance, transfer funds, or pay bills anytime, anywhere all at your fingertips!

Home Financing Made Easy

If homeownership is on your mind, look no further than our mortgage loans and refinancing options. We know buying a home can be overwhelming, so our team is here to guide you through every step of the process. Imagine settling into your new home sooner than you thought possible with our affordable mortgage solutions.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking services have you covered. Imagine having an account that fits your lifestyle perfectly whether you're saving for a vacation or just need everyday banking. At Caprock, we offer not just standard accounts but also various options to help you save smartly.

Personal Loans for Life's Needs

Life can throw unexpected expenses your way, and that's where our personal loans come into play. Whether it's consolidating debt or covering urgent costs, we provide flexible loan options that suit your situation perfectly.

Digital & Online Banking

Key Features

Our online banking services come packed with user-friendly features that prioritize your security. With electronic signature authorization available, signing documents is now easier than ever no need to visit a branch! Plus, we provide e-statements to help you stay organized without the clutter of paper. For those on the go, our mobile application makes banking even simpler. Whether you're at home or out running errands, you can use mobile payments for quick transactions right from your phone. Want to send money to a friend? Our person-to-person transfer feature allows you to do this instantly, making it easy to share costs or settle up after a dinner. In a world where time is precious, Caprock ensures that managing your finances is as straightforward as possible. Our secure platform lets you track spending and monitor transactions in real-time, giving you peace of mind about your financial health. Experience the freedom of banking from anywhere with Caprock's comprehensive digital solutions. We're here to support you every step of the way!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 5,749, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,065,475. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Caprock is your trusted partner. Visit us at 709 N 1St St Lamesa Tx 79331 or call (806) 872-5151 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member Savings Security

Members' savings are secured through $8,591,995 in share certificates, offering stable and rewarding financial growth opportunities. While we currently have $0 in money market shares, our focus remains on securing your funds effectively. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,778,620, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $2,775 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 12 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Improvement

With $4,690,057 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $923 in used auto loans and $25,963,480 in total loans and leases.

Strong Financial Position

With a net worth of $4,779,251, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.40% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,351,279 in used vehicle loans and $8,075,503 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, ensuring you can find a solution that fits your budget.

Credit Lines

For those looking for additional flexibility in their finances, our total credit lines amount to $3,560,000. This can serve as a great resource for unexpected expenses or planned purchases without the need for traditional loans. If you're considering refinancing options or want to know more about eligibility criteria for our loan products, don't hesitate to reach out! Our team is ready to assist you in exploring all your financing possibilities. For performance insights and financial data regarding our services and products, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Caprock, we're more than just a lender; we're your partner in achieving financial success. Come visit us today and discover how we can help you meet your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently do not offer Junior Lien 1-4 Family Residential Properties loans; however, we are here to help guide you through other mortgage solutions that might be available for your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Currently, our total for these loans stands at $0, but we're committed to helping our members manage their finances effectively through various lending products.

Loan Aggregator

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Ensuring Accurate Comparisons

LendMesh takes pride in its commitment to accuracy. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This sourcing ensures that users receive fair and transparent offers, eliminating guesswork when it comes to understanding loan options.

CAPROCK FEDERAL CREDIT UNION - Lamesa, TX

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