Loan Rates 

  • Auto/Personal Loan Rates

    +
    New/Used Vehicle
    APR*
    New Auto As low as 5.49%
    Used Auto As low as 5.49%
    New/Used Motorcycle/Boat/RV As low as 6.74%

    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.

    Add 1% to APR if SMARTBuy plan chosen.


    Rates Effective 2/13/2024

  • Home Loan Rates

    +
    Home Equity/Improvement/Cash-Out
    APR*
    5 Years or Less As low as 7.03%
    10 Year As low as 7.15%
    15 Year As low as 7.40%
    30 Year As low as 7.60%

    First Mortgage/Straight Refinance
    APR*
    10 Years or Less & Less than 80% LTV* As low as 5.50%
    15 Years & Less than 80% LTV* As low as 6.00%
    20 Years & Less than 80% LTV* As low as 6.50%
    30 Years & Less than 80% LTV* As low as 7.00%
    10 Years or Less & More than 80% LTV* As low as 5.75%
    15 Years & More than 80% LTV* As low as 6.25%
    20 Years & More than 80% LTV* As low as 6.75%
    30 Years & More than 80% LTV* As low as 7.25%

    2nd Home/Rental/Improved Land
    APR*
    5 Year As low as 6.53%
    10 Year As low as 7.03%
    15 Year As low as 7.38%
    20 Year As low as 7.53%

    Residential Interim Construction
    APR*
    < 1 Year As low as 8.60%

    Unimproved Land for Owner Use
    APR*
    5 Years or Less As low as 8.60%
    5-15 Years As low as 8.85%

    Commercial Real Estate
    APR*
    5 Years or Less As low as 8.75%
    5-10 Years As low as 9.00%
    10-15 Years As low as 9.25%

    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.

    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. 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 1026 of Regulation Z.

    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 04/16/2024