LEAVING FWCCU.ORG
Loan Rates
Competitive Loan Rates for Whatever Comes Next
Whether you’re buying a vehicle, tackling a home project, or need a little extra flexibility, FWCCU offers competitive loan rates to help you move forward. Explore our current consumer and home loan rates and loan options below to find the right fit for your needs and budget.
Auto/Personal Loan Rates
| New/Used Vehicle | |
|---|---|
| Loan Type | APR* |
| New Auto | As low as 5.74% |
| Used Auto | As low as 5.74% |
New Used/Auto Disclosure: Payments on an Auto Loan of $25,000 financed at 5.74% APR for 48 months would be $584.15 per month or $23.37 per $1,000 borrowed. The term of repayment affects the monthly payment obligation.
| New/Used Motorcycle/Boat/RV | |
|---|---|
| Loan Type | APR* |
| New/Used Motorcycle/Boat/RV | As low as 6.29% |
New Used/Motorcycle/Boat/RV: Payments on an Motorcycle/Boat/RV Loan of $60,000 financed at 6.29% APR for 60 months would be $1,168.08 per month or $19.47 per $1,000 borrowed. The term of repayment affects the monthly payment obligation.
| Signature Loans | |
|---|---|
| Loan Type | APR* |
| 36 Months or Less | As low as 9.99% |
| 48 Months | As low as 10.99% |
Signature Loan Disclosure: Payments on an Signature Loan of $10,000 financed at 9.99% APR for 36 months would be $322.62 per month or $32.26 per $1,000 borrowed. The term of repayment affects the monthly payment obligation.
| Additional Loan Types | |
|---|---|
| Loan Type | 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 7.00% |
Additional Loan Type Disclosure: Payments on other loan types of $25,000 financed at 5.54% APR for 60 months would be $477.99 per month or $19.12 per $1,000 borrowed. The type of loan and term of repayment affects the monthly payment obligation.
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:
.20% if has checking account with direct deposit for six months
.15% Loan to Value less than 80%
.15% if Warranty is purchased at time of loan funding (autos only)
.10% if GAP product purchased at time of loan funding
.10% if any Debt Cancellation policy is purchased at time of loan funding
Rates Effective 8/05/2026
Home Loan Rates
| Home Equity/Improvement/Cash Out Refinance | ||
|---|---|---|
| Term | Interest Rate | APR* | 5 Years or Less | As low as 6.39% | As low as 6.81% |
| 10 Year | As low as 6.72% | As low as 6.95% |
| 15 Year | As low as 6.97% | As low as 7.13% |
| 30 Year | As low as 7.26% | As low as 7.36% |
Home Equity/Improvement/Cash Out Disclosure: Payments on a home equity loan of $100,000 financed at 6.97% for 15 years would be $897.15 per month or $8.97 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 | ||
|---|---|---|
| Term | Interest Rate | APR* |
| 10 Years & < 80% LTV | As low as 5.51% | As low as 5.73% |
| 15 Years & < 80% LTV | As low as 6.01% | As low as 5.73% |
| 20 Years & < 80% LTV | As low as 6.51% | As low as 6.64% |
| 30 Years & < 80% LTV | As low as 7.01% | As low as 7.11% |
| 10 Years & > 80% LTV** | As low as 5.76% | As low as 5.98% |
| 15 Years & > 80% LTV | As low as 6.26% | As low as 6.42% |
| 20 Years & > 80% LTV | As low as 6.76% | As low as 6.89% |
| 30 Years & > 80% LTV | As low as 7.26% | As low as 7.36% |
First Mortgage/Straight Refinance Disclosure: Payments on a first mortgage loan of $200,000 with a LTV of less than or equal to 80% financed at 7.01% for 30 years would be $1,331.95 per month or $6.66 per $1,000 borrowed.
| 2nd Home/Rental/Improved Land | ||
|---|---|---|
| Term | Interest Rate | APR* |
| 5 Year | As low as 6.71% | As low as 7.06% |
| 10 Year | As low as 7.21% | As low as 7.40% |
| 15 Year | As low as 7.56% | As low as 7.69% |
| 20 Year | As low as 7.71% | As low as 7.82% |
2nd Home/Rental/Improved Land Disclosure: Payments on a rental property in the amount of of $300,000 at 7.71% for 20 years would be $2,455.45 per month or $8.18 per $1,000 borrowed.
| Residential Interim Construction | ||
|---|---|---|
| Term | Interest Rate | APR* |
| < 1 Year | As low as 6.85% | As low as 8.27% |
Residential Interim Construction Disclosure: Payments on a residential interim construction loan in the amount of of $400,000 at 6.85% for 12 months would be $2,283.33 or $2.28 per $1000 borrowed. 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 for Owner Use | ||
|---|---|---|
| Term | Interest Rate | APR* |
| 5 Years or Less | As low as 6.85% | As low as 7.53% |
| 5-15 Years | As low as 7.10% | As low as 7.36% |
Unimproved Land Disclosure: Payments on an unimproved land loan in the amount of of $75,000 at 7.10% for 15 years would be $678.32 per month or $9.04 per $1,000 borrowed.