• Convenient ways to pay - through payroll deduction or transfers
Use your loan to cover personal expenses, take a vacation, or consolidate bills. You’ll get the money you need, when and how you need it. Log in to Home Banking to apply now!
Savings/CD Secured Loans
You can borrow for anything you want or need, and use your Fort Worth City Credit Union Savings Account or Certificate of Deposit Account as collateral. Secured loans are a great way to get a lower rate than our other loan options.
Other benefits of a Secured Loan include:
• Your account continues to earn interest that will greatly offset the low cost of the loan
• Your principal and earnings are intact and available to you at maturity
• Secured loan rates start at 2.5% above rate of Savings/CD Account.
• Many convenient ways to apply - in person, online, or by phone
Log in to HomeBanking to apply online now!
SMARTChoice - A Payday Loan Alternative
Need cash fast? Don’t turn to some cash advance or payday loan store that can charge you super-high interest rates! Make the smart choice with SMARTChoice - a Payday Loan Alternative. Turn to Fort Worth City Credit Union, the Credit Union that you know and trust! Our SMARTChoice Payday Loan Alternative offers repayment terms up to 90 days at 18% APR* that will get you the cash you need for a personal emergency, extra pocket cash, or money to pay off bills! All you need to qualify is:
To be 18 years of age or older
Have an active checking account for 90 days with direct deposit (net pay)
Proof of employment for the past 6 months
Proof of income of at least $1000/month
A $20 non-refundable application fee, regardless of approval
SMARTChoice loans must be paid in full for 15 calendar days prior to other loan funds being disbursed
You can borrow anywhere from $100 to $750, and 10% of the loan is placed on hold in your Share account until the loan is paid in full, so it even gets you started on the path to saving again.
Make the SMARTChoice for your payday loan needs and apply today! Call 817.732.2803 for more information, or visit the Credit Union to see your SMARTChoice Loan Officer today!
*APR = Annual Percentage Rate. This information is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and terms are subject to change without notice. SMARTChoice loans may require a minimal credit check to view other payday lender activity and/or bankruptcy. Being 10 or more days delinquent on a SMARTHChoice loan may disqualify you for future SMARTCHoice loans. SMARTChoice loans must be paid in full for 15 calendar days prior to other loan funds being disbursed. There is a maximum of 4 SMARTChoice loans per calendar year, per member, and loan amount cannot exceed more than 50% of monthly gross income or the maximum amount of $750.