Loan Rates 


  • Auto/Personal Loan Rates

    +
    New/Used Vehicle
    APR*
    New Auto As low as 3.49%
    Used Auto As low as 3.74%
    New/Used Motorcycle/Boat/RV As low as 5.74%

    Signature Loans
    APR*
    36 Months or Less As low as 10.24%
    48 Months As low as 11.24%

    Additional Loan Types
    APR*
    Share/CD Secured 2.50% over rate of share
    Fort Worth Proud Visa Credit Card 8.90 - 16.9%
    UCC Secured - 5 yr max As low as 6.75%
    Business/Equipment Loan As low as 6.75%

    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

    Possible discounts already included in above rates:

    • 0.25% off with checking account with full direct deposit for minimum of six months
    • 0.25% off new auto loan rate with Loan to Value less than 80%

    Disclosure: APR = Annual Percentage 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 226.2 of Regulation Z.


    Rates Effective 4/29/19

  • Real Estate Rates

    +
    Home Equity/Improvement
    APR*
    5 Years or less As low as 3.72%
    5-10 years As low as 3.82%
    10-15 years As low as 3.94%

    First Mortgage Loans
    APR*
    Conventional Mortgage Rates
    FHA Mortgage Rates

    Rental/Investment Land or Property
    APR*
    5 Years or Less As low as 6.72%
    5-10 Years As low as 6.82%
    10-15 Years As low as 6.94%

    Residential Interim Construction
    APR*
    < 1 year As low as 5.49%

    Unimproved Land for Owner Use
    APR*
    5 Years or Less As low as 6.22%
    5-15 Years As low as 6.44%

    Commercial Real Estate
    APR*
    5 Years or Less As low as 5.75%
    5-10 Years As low as 6.00%
    10-15 Years As low as 6.25%

    FEES:

    • Home Equity Refinance: $300.00
    • First Mortgage Loans: $650.00 processing fee
    • Interim Mortgage Loans: 1% loan origination fee

    Home Equity Loan Discounts already included in above rates:

    • 0.25% off with checking account with full direct deposit for minimum of six months
    • 0.50% off if FWCCU in First Lien position on Home Equity Loan

    Disclosure: APR = Annual Percentage Rate. Rates are subject to change at any time. Loan approvals are subject to FWCCU lending guidelines. Rates and terms may vary based on quality of collateral, market value, lifecycle, etc. If used, credit score based on Fair Isaacs score from credit reporting agency. This information is not an offer to extend credit as defined by Section 226.2 of Regulation Z.

    In order to provide a full suite of mortgage products and services, Fort Worth City Credit Union (NMLS #547601) has a partnership with CU Members Mortgage, a division of Colonial Savings, F.A. (NMLS #401285) and may therefore refer some loan types to them.

    Fort Worth City Credit Union is an equal housing lender.


    Rates Effective 4/29/19