Credit union · NCUA insured
Fort Worth City CU
Top CarrotA $335.1M credit union headquartered in Fort Worth, TX, with 16,282 members and 2 branches in Texas. Best rates: CDs 4.50% and savings 1.00% APY.
Fort Worth City CU Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#19 of 115 in Dallas, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Fort Worth City CU
Fort Worth City Credit Union is a member-owned financial cooperative based in Fort Worth, Texas.
Founded in 1929 by municipal employees in City Hall, it was established to provide affordable loans to fellow workers.
- Headquarters
- 2309 Montgomery St, Fort Worth, TX 76107-4520
- NCUA charter
- 67532
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, attend school, or worship in Tarrant, Denton, Johnson, Parker, and Wise County are eligible for membership.
Employers and groups
- Employees or retirees of companies contracting with the City of Fort Worth on an ongoing basis are eligible for membership.
- Employees or retirees of MedStar are eligible for membership.
- Employees or retirees of museums within the City of Fort Worth are eligible for membership.
Military, government and schools
- Employees or retirees of the City of Fort Worth are eligible for membership.
Family and household
- Any relative of a current member is eligible for membership.
Cost to join
- Opening a membership Share/Savings Account requires a $25 deposit.
- A $5.00 quarterly single service fee applies to members who only maintain a share account with an average monthly balance under $100 after 90 days of membership.
Branches
2 branches in Texas
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Texas
2 branches
- MainMain office2309 Montgomery St, Fort Worth, TX 76107Directions
- Felix Street Micro Branch505 W Felix St, Fort Worth, TX 76115Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.10% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.03% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.95% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio13.10%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.03%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.95%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Fort Worth City CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.