At Capstone FCU our loan products have been designed to offer our members a wide range of options in service and accessibility. We are committed to providing a unique hassle-free financial experience to our membership by offering secure online loan applications available 24-hours a day, 7 days a week.
Auto
Capstone FCU offers innovative loans for 100% financing up to 7 years on new autos and up to 100% financing of Retail Blue Book value for up to 6 years for used autos. Lower your monthly auto payments through REFINANCING an existing auto loan or lease from another financial institution with Capstone FCU. We also offer MOTORCYCLE, MOTORHOME, BOAT and TRAVEL TRAILER loans with financing available up to 80% of the purchase price. Apply online today.
Puzzled by 0% Financing? Click here to get the facts.
Share Secured
Shore up your finances with a Capstone FCU share secured loan. This low interest rate loan is secured 100% by the funds in your savings account or certificates of deposit. We offer terms up to 48 months and it is an excellent way to establish or repair your credit history. Apply online today.
Signature
Reinforce your finances through debt consolidation with the Capstone FCU Signature Loan. You’ll gain financial stability from a fixed interest rate up to 48 months on a loan amount minimum of $500 to a maximum of $15,000. Apply online today.
Click here for the latest rates.
Visa
Put the winning card in your hands! Nothing says “success” like the Capstone Visa Card (credit line up to $15,00.00). Our cards have a low fixed rate, Low or NO annual fees and a 25-day grace period on purchases. Apply online today.
The Home Equity
If you’re looking to make improvements to your home, pay unexpected expenses or consolidate high-interest-rate debt, getting a home equity loan* might be the route for you. This type of loan can offer funds for anything you want — you don’t just have to use the money for home-related expenses. But, before you go out and apply, make sure you read these important home equity loan facts and tips! Need more information, Loan Facts that You Need to Know.
The Smart Option Student Loan ® for Capstone Federal Credit Union by Sallie Mae ®
Wherever you are in your higher education, get the money you need for school. Student loans from Capstone Federal Credit Union by Sallie Mae ®in partnership with Sallie Mae® could help!
Sallie Mae® student loans are designed for the needs of all types of students.
– Competitive interest rates
– Multiple repayment options
– No origination fees; no prepayment penalty1
Smart Option Student Loan® for undergraduate and career training students
Plus, the graduate loan suite is designed to meet the needs of students in specific fields of study.
Find out which loan is right for you please get started here.
Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
These loans are made by Sallie Mae Bank. Capstone Federal Credit Union by Sallie Mae ® is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan members.
Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product.
1 Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.
©[2024 – 2025] Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.
To learn more, please get started here.