Credit union · NCUA insured
Fort Worth City CU CD Rates
Top CarrotFort Worth City CU’s best CD rate is 4.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Fort Worth City CU’s CD rates compare
Compared with banks and credit unions near Dallas, TX, where Fort Worth City CU has the most branches. $10,000, best rate first.
This credit union’s best
Fort Worth City CU
4.40%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,402
Certificates of Deposit
Top rate
National Police FCU
4.71%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,481
2nd-highest rate
Advancial Federal Credit Union
4.66%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,558
Fort Worth City CU CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo3.87%
- 9–15 months9–15 mo4.02%
- 16–30 months16–30 mo4.17%
- 31–60 months31–60 mo4.40%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Fort Worth City CU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Certificates of Deposit
Up to 4.50%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.97% | — |
| 12 months | 4.13% | — |
| 24 months | 4.27% | — |
| 36 months | 4.41% | — |
| 60 months | 4.50% | — |
Sources (1)
- fwccu.org/deposit-rates · captured Oct 6, 2026
Certificates of Deposit
Up to 4.40%APY · 5 terms
$1000 Minimum deposit to open. Terms from 6-Months to 60-Months. Interest can be compounded, or deposited into your shares monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.87% | $192 |
| 12 months | 4.02% | $402 |
| 24 months | 4.17% | $851 |
| 36 months | 4.30% | $1,346 |
| 60 months | 4.40% | $2,402 |
Save-to-Win CD
4.02%APY · 1 term
Prize-linked savings certificate. Opened with $25. Every $25 deposit earns entries to monthly and quarterly drawings for $25 up to $5,000 (up to 100 entries per month). Must be 18 years or older; each member is eligible for one Save to Win share certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarn entries to prize drawings with each $25 deposit (up to 100 entries per month) | 4.02% | $402 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.50%APY · 5 terms
Same Federal requirements as IRA Share accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.97% | $197 |
| 12 months | 4.13% | $413 |
| 24 months | 4.27% | $872 |
| 36 months | 4.41% | $1,382 |
| 60 months | 4.50% | $2,462 |
Junior Jumbo Certificates of Deposit
Up to 4.45%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.92% | — |
| 12 months | 4.07% | — |
| 24 months | 4.22% | — |
| 36 months | 4.35% | — |
| 60 months | 4.45% | — |
Sources (1)
- fwccu.org/deposit-rates · 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.