Credit union · NCUA insured
Fort Worth City CU Auto Loan Rates
Top CarrotFort Worth City CU auto loans start at 4.64% APR for a new vehicle and 4.64% for a used one. Rates checked October 16, 2026.
How Fort Worth City CU’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Fort Worth City CU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Fort Worth City CU
4.64%APR
- Terms
- —
New Auto Loan
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Fort Worth City CU auto loan score
86
Auto loan score
Higher than 73% of U.S. banks and credit unions
- New vehicleNew4.64%
- Used vehicleUsed4.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Fort Worth City CU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan
| Terms | APR | Conditions |
|---|---|---|
| — | 4.64% | Rate quoted as low as; based on creditworthiness and term of loan. |
Sources (1)
- fwccu.org · captured Oct 6, 2026
Scary Good Auto Loan
Promotional offer valid September 1 through October 31, 2026 for new, used, or refinance auto loans from another lender. Includes a 0.50% APR discount and relationship discounts. Excludes DriveFWCCU and refinancing existing FWCCU loans. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.64% | Advertised rate as low as 4.64% APR reflects promotional 0.50% APR discount across all tiers and all applicable relationship discounts. Valid September 1 through October 31, 2026 on qualifying new and used vehicle loans and loans refinanced from another institution. Excludes DriveFWCCU and existing FWCCU refinances. Loan must fund within 14 calendar days of application to claim scratch-off prize. |
Sources (3)
All captured Oct 6, 2026
Who can join Fort Worth City CU
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.