Welcome Home!

Welcome to our mortgage loan center for easy pre-qualification, custom rate, and expert advice to guide you through the home loan process.

Choosing your credit union is the first step toward an affordable home loan. Whether you are purchasing a home or refinancing your current loan, applying online is as easy as 1-2-3.

  1. Apply Now and complete the application.

  2. When you have completed the application, click submit and your information will be reviewed for  prequalification.

  3. A Loan Officer will follow up with you and answer all your questions.

Our goal is to provide the highest level of service and competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 800-607-3474.

Available Loan Types

We offer dozens of different loan types* to fit your unique needs including Conventional, FHA, VA, Jumbo, Low Down Payment, First Time Buyer and Cash-out Refinance, as well as Fixed and Adjustable terms to 30 years.

*Additional restrictions may apply

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About Us

MOPAC Employees Federal Credit Union was chartered in 1936 to serve employees of the International Great Northern (IGN) Railroad. In 1956, the IGN Railroad was merged into the reorganized Missouri Pacific Railroad Company (MoPac). In 1999, Southern Pacific Railroad merged with Union Pacific.

Throughout the many years and many changes, the basic concept which "birthed" MOPAC is still the same... we are "people helping people."

Because we are "member-owned" and not-for-profit, we are able to give back earnings to our members by offering lower rates on loans, paying competitive dividends on accounts, offering low cost services, and providing 24/7 account access.

Keep in mind, if you found something good wouldn’t you want to share it with your family and friends? Tell them about MOPAC Employees Federal Credit Union and let them experience the relationship between the Credit Union and its members.

Ready to Get Started?


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Being experts in this industry, we hear a lot of different questions regarding payments, affordability and more. Below you will find a list of some of the best calculators to help you estimate the cost of your homebuying process and ensure you are applying with confidence.

Calculators made available for independent use only. We cannot guarantee their accuracy or their ability to apply to your current financial situation. We recommend you seek advice from qualified professionals regarding your finances.


Contact Us

If you have questions about an application, current mortgage or to speak with one of our dedicated professionals, contact us today.

Ready to Get Started?


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MOPAC Employees Federal Credit Union (NMLS 1422251) provides mortgage loans in agreement with CU Members Mortgage, a division of Colonial Savings, F.A. NMLS 401285.   |   Privacy Policy