From To-Do to TA-DA

Got a To-Do List for your Home?

Tackle your next project with a Home Equity Loan from FWCCU—and enter to win $500!

Your to-do list just met its match. Whether you're dreaming of a kitchen makeover, a backyard upgrade, or fresh new flooring, a home equity loan from Fort Worth City Credit Union gives you the power to bring your project to life—on your timeline and your budget.

And now, we’re giving you one more reason to start: A chance to win $500 cash in our Before & After Photo Contest!

Enter the Before & After Contest

Did you complete your project using a FWCCU Home Equity Loan? Show it off for a chance to win!

How to enter:

  1. Complete a home improvement project with a FWCCU Home Equity Loan.

  2. Take before and after photos of your project.

  3. Upload your photos in the comments of our contest post on Facebook.

  4. Share the post and rally your friends—the photo with the most likes wins $500!

Deadline to enter: July 31, 2025 11:59 pm CST. See disclosures below for complete contest rules.
Enter here: facebook.com/Fort.Worth.City.Credit.Union Make sure you use the pinned post for this contest to get the most likes and shares!

Why Choose a Home Equity Loan from FWCCU?

A Home Equity Loan lets you borrow against the equity in your home with fixed rates, flexible terms, and personal service you can trust.

Benefits include:

  • Fixed monthly payments

  • Low, competitive interest rates

  • Terms up to 15 years

  • No prepayment penalties

  • Fast decisions and friendly guidance tailored to your financial goals

  • Borrow up to 80% of your home’s value minus existing liens

Use your home’s equity for:

  • Renovations and remodeling

  • Landscaping and outdoor upgrades

  • Roof, HVAC, or plumbing repairs

  • Major purchases or life expenses

  • Debt consolidation, education, medical bills, and more (not eligible for before/after contest)

Ready to Get Started?

Take your project from “someday” to “done.”
Apply for a FWCCU Home Equity Loan today—and don’t forget to enter your before/after photos for a shot at $500 cash!

Choose “refinance” from the dropdown box when applying for a Home Equity or Home Improvement Loan


Questions? Contact our home loans department at 817-732-2803.

Fort Worth City Credit Union is an equal opportunity housing lender. 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.

This notice is not a commitment to make a loan or a guaranty that Fort Worth City Credit Union will extend a mortgage loan to you for the interest rates shown. This information is provided as a service to inform you of the possible interest rate for which you may qualify based on the limited information provided by you, other information available to us, and certain assumptions regarding the financial terms of the mortgage loan, which are subject to change between now and the time you apply for a mortgage loan.  This information is not an offer to extend consumer credit as defined by Section 1026 of Regulation Z. Certain restrictions do apply, so consult with your Tax Advisor regarding the deductibility of interest.

APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. Stated “rates as low as” apply to well-qualified applicants and apply to first liens only. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Other restrictions may apply and rates are subject to change without notice. Maximum APR not to exceed 18%. Contact a mortgage loan officer for details.

Closing Costs: The member will pay all normal closing costs which may include the following fees: title search, recording fee, release of lien, and flood determination. Additional fees such as any necessary title insurance, appraisal, survey, mobile notary fee, and attorney fees will be the responsibility of the member. This is not limited to promotional periods.

Home Equity Loan Disclosure: The principal loan amount at the time the loan is made must not exceed an amount that, when added to the principal balances of all other enforceable liens against your home, is more than 80% of the fair market value of your home.

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.

Official Contest Rules & Disclosures – “From To-Do to Ta-Da” Photo Contest
Contest Period: June 1, 2025 – July 31, 2025
Entry Deadline: All entries must be submitted by 11:59 p.m. CST on July 31, 2025.

Eligibility:

  • Contest is open to legal residents of Texas who are 18 years of age or older and members of Fort Worth City Credit Union at the time of entry.

  • Must be in good standing with FWCCU.

  • Employees, volunteers, and board members of FWCCU and their immediate families are not eligible to win.

  • One entry per household.

How to Enter:

  • Apply for and close on a FWCCU Home Equity loan between June 1 and July 31, 2025.

  • Complete a home improvement project using a Fort Worth City Credit Union Home Equity Loan.

  • Upload a before and after photo of your project in the comments section of the official contest post on the FWCCU Facebook page.

  • Photos must be posted during the contest period.

  • By submitting an entry, you grant FWCCU the right to use your name, photos, and likeness in promotional materials, social media, and marketing.

Winner Selection:

  • The winner will be determined by the entry that receives the most “likes” on Facebook during the contest period.

  • In the event of a tie, the winner will be randomly selected from the tied entries.

  • FWCCU reserves the right to verify votes and disqualify entries believed to be fraudulent or in violation of contest rules.

Prize:

  • One (1) winner will receive a $500 cash prize, awarded as a check or account deposit.

  • Prize is non-transferable and cannot be substituted or exchanged.

  • Winner is responsible for any applicable taxes.

Winner Notification:

  • The winner will be contacted via Facebook and/or email during the first week of August 2025.

  • If the winner does not respond within 7 days, an alternate winner may be selected based on the next highest number of likes or a random draw in case of a tie.

Additional Terms:

  • No purchase necessary to enter, but must have a FWCCU Home Equity Loan to qualify.

  • FWCCU is not responsible for technical issues, including but not limited to lost entries, errors in voting counts, private accounts that do not allow views of pictures, likes or shares, or Facebook platform malfunctions.

  • This contest is in no way sponsored, endorsed, or administered by, or associated with, Facebook.

  • FWCCU reserves the right to modify, suspend, or terminate the contest at any time for any reason.