Loan Rates 

  • Auto/Personal Loan Rates

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    New/Used Vehicle
    APR*
    New Auto As low as 5.74%
    Used Auto As low as 5.74%
    New/Used Motorcycle/Boat/RV As low as 6.89%

    Signature Loans
    APR*
    36 Months or Less As low as 9.99%
    48 Months As low as 10.99%

    Additional Loan Types
    APR*
    Share/CD Secured 2.50% over rate of share
    Fort Worth Proud Visa Credit Card 10.9 - 17.9%
    UCC Secured - 5 yr max As low as 9.99%
    Business/Equipment Loan As low as 8.75%

    Extended terms on Auto Loans: Extending the term longer than the suggested term requires an additional 0.25% interest premium added on to the published rate.


    Suggested Terms
    Amount Financed Months
    $35,000+ 84
    $27,000+ 72
    $15,000+ 60
    <$15,000 48

    APR = Annual Percentage Rate. APR quoted "as low as" and are subject to change. Must qualify for the lowest rate. Rates are subject to change at any time. Loan approvals are subject to FWCCU lending guidelines. Credit score based on Fair Isaacs score from credit reporting agency. This information is not an offer to extend credit as defined by Section 1026 of Regulation Z.

    SMARTBuy Auto Loan: Add 1% to APR or pay $825 passthrough fee

    DISCOUNTS:

    • .15% Loan to Value less than 80%
    • .20% if has checking account with direct deposit for six months
    • .10% if GAP product purchased at time of loan funding
    • .10% if Debt Cancellation policy is purchased at time of loan funding
    • .15% if Extended Warranty is purchased at time of loan funding (autos only)

    Rates Effective 11/13/2024

  • Home Loan Rates

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    Home Equity/Improvement/Cash-Out
    Term Interest Rate APR*
    5 Years or Less As low as 6.53% As low as 6.95%
    10 Year As low as 6.85% As low as 7.08%
    15 Year As low as 7.10% As low as 7.26%
    30 Year As low as 7.37% As low as 7.47%

    First Mortgage/Straight Refinance
    Term Interest Rate APR*
    10 Years & > 80% LTV** As low as 5.52% As low as 5.74%
    15 Years & > 80% LTV As low as 6.02% As low as 6.18%
    20 Years & > 80% LTV As low as 6.52% As low as 6.65%
    30 Years & > 80% LTV As low as 7.02% As low as 7.12%
    10 Years & < 80% LTV As low as 5.27% As low as 5.49%
    15 Years & < 80% LTV As low as 5.77% As low as 5.93%
    20 Years & < 80% LTV As low as 6.27% As low as 6.40%
    30 Years & < 80% LTV As low as 6.77% As low as 6.87%

    2nd Home/Rental/Improved Land
    Term Interest Rate APR*
    5 Year As low as 7.42% As low as 7.77%
    10 Year As low as 7.92% As low as 8.11%
    15 Year As low as 8.27% As low as 8.41%
    20 Year As low as 8.42% As low as 8.54%

    Residential Interim Construction
    Term Interest Rate APR*
    < 1 Year As low as 8.10% As low as 10.36%

    Unimproved Land for Owner Use
    Term Interest Rate APR*
    5 Years or Less As low as 9.10% As low as 9.21%
    5-15 Years As low as 9.35% As low as 9.90%

    FEES:

    • Home Equity loans less than $150K = $250.00 processing fee
    • Home Equity loans greater than $150K = $500.00 processing fee
    • All other Real Estate & Business Loans = 0.5% loan origination fee

    DISCOUNTS:

    • .10% if has had checking account with direct deposit for at least 6 months
    • .10% if first lien on HomeEquity/Improvement/Cash-Out

    The minimum loan amount for a 30-year term is $100,000.

    DISCLOSURES: *APR = Annual Percentage Rate. The advertised rates are subject to change. The information provided is based on zero discount points and assumes the purpose of the loan is to purchase a property with a 30-year, conforming, fixed-rate loan. For a loan amount of $200,000, with a loan-to-value ratio of 95%, a credit score of 760, and a debt-to-income (DTI) ratio of 40% or less, the estimated monthly payment (principal and interest) would be approximately $1,299.86 or $6.49 per $1000 borrowed. This example assumes an interest rate of 6.77% for the purchase of an existing single-family home to be used as a primary residence. The rate and payment may vary depending on your individual circumstances, including your credit history, loan amount, down payment, and other factors. A loan origination fee of 0.5% applies. Additional fees such as appraisal, tax service, title fees, transfer tax fees, credit report fee, flood cert fee, recording fee, survey (if required), work verification fee, escrow reserves, and interest due until the first payment are the responsibility of the applicant and will be due at closing. Other costs may apply depending on the specific loan program. All loans are subject to credit and property approval. Speak with a FWCCU Mortgage Loan Officer for more details.

    **LTV = Loan To Value.

    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.

    Fort Worth City Credit Union is an equal housing lender.


    Rates Effective 11/19/2024