Give Your Backyard a Boost

Put Your Home’s Equity To Work

Boost your backyard & Win a Blackstone Grill*

Thinking about upgrading your home, tackling a major expense, or finally creating the outdoor space you’ve always wanted? A Home Equity Loan from Fort Worth City Credit Union can help make it happen.

Whether you’re planning backyard improvements, home renovations, debt consolidation, or other large expenses, your home’s equity can be a smart way to fund what matters most, with flexible terms and competitive rates.

Use Your Home Equity For:

  • Backyard and outdoor living upgrades

  • Kitchen or bathroom remodels

  • Home repairs and improvements

  • Debt consolidation

  • Major purchases or unexpected expenses

  • Education or family expenses

Your home’s equity is one of the most valuable financial tools you may already have, and we’re here to help you put it to work.

Fund Your Project & You Could Win

Apply for a qualifying Home Equity Loan during the promotion period and you’ll be entered to win a 36” Blackstone Grill upon approval. Because upgrading your home should come with a little extra reward.

Why Choose a Home Equity Loan from FWCCU?

A Home Equity Loan lets you borrow against the equity in your home with fixed rates, flexible terms, and personal service you can trust.

Benefits include:

  • Fixed monthly payments

  • Low, competitive interest rates

  • Terms up to 30 years

  • No prepayment penalties

  • Fast decisions and friendly guidance tailored to your financial goals

  • Borrow up to 80% of your home’s value minus existing liens

  • A simple application process with support every step of the way

Ready to Get Started?

Tap into your home’s equity and start planning what’s next, whether that’s home improvements, outdoor upgrades, or reaching bigger financial goals.

Apply Now

Choose “refinance” from the dropdown box when applying for a Home Equity or Home Improvement Loan


Questions? Contact our home loans department at 817-732-2803.

Fort Worth City Credit Union is an equal opportunity housing lender. In order to provide a full suite of mortgage products and services, Fort Worth City Credit Union (NMLS #547601) has a partnership with Member First Mortgage(NMLS #149532) and may therefore refer some loan types to them.

This notice is not a commitment to make a loan or a guaranty that Fort Worth City Credit Union will extend a mortgage loan to you for the interest rates shown. This information is provided as a service to inform you of the possible interest rate for which you may qualify based on the limited information provided by you, other information available to us, and certain assumptions regarding the financial terms of the mortgage loan, which are subject to change between now and the time you apply for a mortgage loan.  This information is not an offer to extend consumer credit as defined by Section 1026 of Regulation Z. Certain restrictions do apply, so consult with your Tax Advisor regarding the deductibility of interest.

APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants and apply to first liens only. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply and rates are subject to change without notice. Maximum APR not to exceed 18%. Contact a mortgage loan officer for details.

Closing Costs: The member will pay all normal closing costs which may include the following fees: title search, recording fee, release of lien, and flood determination. Additional fees such as any necessary title insurance, appraisal, survey, mobile notary fee, and attorney fees will be the responsibility of the member. This is not limited to promotional periods.

Home Equity Loan Disclosure: The principal loan amount at the time the loan is made must not exceed an amount that, when added to the principal balances of all other enforceable liens against your home, is more than 80% of the fair market value of your home.

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.

*Home Equity Promotional Incentive Drawing – Official Terms & Conditions

Promotion period begins June 1, 2026 and ends July 31, 2026 ("Promotion Period").

Eligibility:
Promotion is open to active Fort Worth City Credit Union ("FWCCU") members who are legal U.S. residents and at least 18 years of age. Employees, volunteers, officials, directors, Board Members of FWCCU, and their immediate family members and household members are not eligible to participate.

How to Qualify:
Members will automatically receive one (1) entry into the promotional drawing upon applying for, being approved for, and funding a new FWCCU Home Equity Loan during the Promotion Period with a minimum loan amount of $15,000.

Loans must meet FWCCU underwriting guidelines and receive final approval. Membership eligibility requirements and normal lending qualifications apply.

Entry Limits:
Limit one (1) entry per household during the Promotion Period regardless of the number of eligible loans funded.

Prize:
One (1) winner will receive one (1) 36-inch Blackstone Grill with an approximate retail value (ARV) of $500. Prize is non-transferable and may not be substituted, exchanged, assigned, or redeemed for cash.

Winner Selection:
One winner will be selected by random drawing from all eligible entries received during the Promotion Period. Odds of winning depend on the number of eligible entries received.

Winner Notification:
The selected winner will be contacted using the contact information on file with FWCCU. If the selected winner cannot be reached within seven (7) calendar days, declines the prize, or is determined to be ineligible, FWCCU reserves the right to select an alternate winner.

Taxes:
Winner is responsible for any applicable federal, state, or local taxes associated with receipt of the prize.

Publicity Release:
Acceptance of the prize constitutes permission for FWCCU to use the winner's name, likeness, city of residence, and photograph for promotional and advertising purposes without additional compensation where permitted by law.

General Conditions:
FWCCU reserves the right to verify eligibility and disqualify any participant suspected of fraud, misrepresentation, tampering, or violation of these terms.

FWCCU reserves the right to modify, suspend, or terminate this promotion at any time and for any reason without prior notice.

Void where prohibited by law. Subject to all applicable federal, state, and local laws and regulations.

This promotion is in no way sponsored, endorsed, administered by, or associated with Blackstone.