Loan Rates 

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.

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 12/10/2024

Home Equity/Improvement/Cash Out Disclosure: Payments on a home equity loan of $100,000 financed at 7.07% for 15 years would be $902.75 per month or $9.03 per $1,000 borrowed. The maximum loan amount, including all outstanding liens on the property, is 80% of the value of the property.

First Mortgage/Straight Refinance Disclosure: Payments on a first mortgage loan of equity loan of $200,000 with a LTV of less than or equal to 80% financed at 6.74% for 30 years would be $1295.87 per month or $6.48 per $1,000 borrowed.

2nd Home/Rental/Improved Land Disclosure: Payments on a rental property in the amount of of $300,000 at 8.39% for 20 years would be $2582.62 per month or $8.61 per $1,000 borrowed.

Residential Interim Construction Disclosure: Payments on a residential interim construction loan in the amount of of $400,000 at 8.10% for 12 months would be approximately $2700. Your loan payments will be interest-only during the term, and the actual payment amount may very based on the loan balance. This loan is due in full at the end of the 12-month term. See a FWCCU mortgage loan officer for complete details.

Unimproved Land Disclosure: Payments on an unimproved land loan in the amount of of $75,000 at 9.35% for 15 years would be $776.39 per month or $10.31 per $1,000 borrowed.

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

DISCLOSURES: *APR = Annual percentage rate. The advertised rates are subject to change. The information provided is based on a fixed rate, zero discount points and assumes a loan-to-value ratio of less than or equal to 80%, a credit score of 760, and a debt-to-income (DTI) ratio of 40% or less. The rate and payment may vary depending on your individual circumstances, including your credit history, loan amount, down payment, and other factors. 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, LLC (NMLS #149532) and may therefore refer some loan types to them.

Fort Worth City Credit Union is an Equal Housing Opportunity lender and does business in accordance with Federal Fair Housing Laws.

Rates Effective 12/17/2024