Personal Loans


  • Signature/Personal Loans

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    Try a Personal Loan with Fort Worth City Credit Union. It’s easy to apply, and qualified borrowers need only a signature as collateral. It’s simple, quick, and convenient! Our loan benefits include:

    • Simple applications - online, in person, or over the phone.
    • Loans up to $25,000.00
    • Fixed rate loans
    • No collateral needed
    • Competitive rates
    • Security and exceptional service from FWCCU
    • Convenient ways to pay - through payroll deduction or transfers

    Use your loan to cover personal expenses, take a vacation, or consolidate bills. You’ll get the money you need, when and how you need it. Apply online now.

    This information is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and terms are subject to change without notice.

  • Student Choice Tuition

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    WHEN FEDERAL AID JUST ISN’T ENOUGH, FWCCU IS HERE TO HELP!

    At Fort Worth City Credit Union, we know financing college tuition can be both stressful and challenging. With rising costs of tuition, students and parents are discovering that Federal aid is falling short, leaving them unable to cover the full cost of tuition. As a not-for-profit lender, Fort Worth City Credit Union has a unique ability to help members and families by offering our Student Choice private lending solution that features:

    • Zero origination or prepayment fees
    • Lower interest rates
    • Simple one-time online application
    • Deferment of principal and interest while in school
    • Flexible repayment terms including graduated repayment for two years
    • Convenient line of credit structure that lets you apply once and secure financing for your entire college career*

    FOR MORE INFORMATION AND TO APPLY ONLINE VISIT OUR STUDENT CHOICE WEBSITE

    *Subject to qualification and annual credit review. Student must also meet the school’s Satisfactory Academic Progress (SAP) requirements. Members will be required to join Chevron FCU in order to obtain a Student Choice private education line-of-credit.

  • SmartChoice

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    SMARTCHOICE - A PAYDAY LOAN ALTERNATIVE

    Need cash fast? Don’t turn to some cash advance or payday loan store that can charge you super-high interest rates! Make the smart choice with SMARTChoice - a Payday Loan Alternative. Turn to Fort Worth City Credit Union, the Credit Union that you know and trust! Our SMARTChoice Payday Loan Alternative offers repayment terms up to 90 days at 18% APR* that will get you the cash you need for a personal emergency, extra pocket cash, or money to pay off bills! All you need to qualify is:

    • To be 18 years of age or older
    • Have an active FWCCU checking account for 90 days with direct deposit (net pay) from your primary employer
    • Proof of employment for the past 6 months
    • Proof of income of at least $1000.00/month
    • Have no more than 2 payday loans, and are not in the process of filing bankruptcy
    • A $20.00 non-refundable application fee, regardless of approval
    • SMARTChoice loans must be paid in full for 14 calendar days prior to other loan funds being disbursed

    Limits:

    • Members for less than a year can borrow up to $750.00 with a 90-day maximum repayment term
    • Members for more than one year can borrow up to $1000.00 with a 120-day maximum repayment term
    • There is a maximum of up to 4 SMARTChoice loans per calendar year/per member

    Make the SMARTChoice for your payday loan needs and apply today! Call 817.732.2803 for more information, or visit the Credit Union to see your SMARTChoice Loan Officer today!

    *APR = Annual Percentage Rate. This information is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and terms are subject to change without notice. SMARTChoice loans may require a minimal credit check to view other payday lender activity and/or bankruptcy. Being 10 or more days delinquent on a SMARTChoice loan may disqualify you for future SMARTCHoice loans. SMARTChoice loans must be paid in full for 14 calendar days prior to other loan funds being disbursed. There is a maximum of 4 (four) SMARTChoice loans per calendar year, per member, and loan amount cannot exceed more than 50% of monthly gross income or the maximum amount of $750.00/$1000.00.

  • Share/CD Secured

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    You can borrow for anything you want or need, and use your Fort Worth City Credit Union Savings Account or Certificate of Deposit Account as collateral. Secured loans are a great way to get a lower rate than our other loan options.

    OTHER BENEFITS OF A SHARE/CD SECURED LOAN INCLUDE:

    • Your account continues to earn interest that will greatly offset the low cost of the loan
    • Your principal and earnings are intact and available to you at maturity
    • Secured loan rates start at 2.5% APR* above the rate of Savings/CD Account
    • Many convenient ways to apply - in person, online, or by phone

    APPLY ONLINE NOW!

    APR = Annual percentage rate. This information is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and terms are subject to change without notice.