Credit union · NCUA insured
Fort Worth City CU Savings Rates
Top CarrotFort Worth City CU’s best savings rate is 1.00% APY on $10,000, with its Regular Shares. Rates checked October 16, 2026.
How Fort Worth City CU’s savings 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
3.04%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $304
High Yield Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Fort Worth City CU savings score
87
Savings score
Higher than 79% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.00%
- QualifiedQualified3.04%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings
Up to 3.04%APY
Consumer accounts only. To earn 2.00% APY above regular share savings rate (3.04% APY / 3.00% rate), maintain an active FWCCU checking account, complete at least 10 debit card purchase transactions per calendar month, and enroll in e-statements. Otherwise earns regular share savings APY/rate. Maximum 3 withdrawals per calendar month ($10 fee per withdrawal thereafter; no ATM withdrawals).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQualifying rate: requires active FWCCU checking account, at least 10 debit card purchase transactions during the month, and enrollment in e-statements.Any balance | 3.04% | $304 | Qualifying rate: requires active FWCCU checking account, at least 10 debit card purchase transactions during the month, and enrollment in e-statements. |
| Any balanceStandard non-qualifying rate: applies if monthly activity and e-statement requirements are not met.Any balance | 1.00% | $100 | Standard non-qualifying rate: applies if monthly activity and e-statement requirements are not met. |
Escrow Share
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- fwccu.org/deposit-rates · captured Oct 6, 2026
Special-purpose accounts
Christmas Club
1.26%APY
Holiday savings account with monthly interest. No minimum balance. No fee for withdrawals between November 1 and December 31; $10 fee applies for early withdrawals or account closure.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.26% | $126 |
Special Club
1.26%APY
Secondary savings account for special purchases or events. No minimum balance; monthly interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.26% | $126 |
Vacation Club
1.26%APY
Dedicated vacation savings account. No minimum balance; monthly interest accrual.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.26% | $126 |
IRA Shares
1.15%APY
Available for Traditional, Roth, and Coverdell ESA retirement and education savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.15% | $115 |
CU Super Saver (Youth) Shares
1.00%APY
Designed for kids ages 0-12 (minors must have an adult joint owner until age 18). Requires child's social security card.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
CU Varsity Shares
1.00%APY
Designed for young adults ages 13-17 (minors must have an adult joint owner until age 18).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Regular Shares
1.00%APY
Represents ownership/share in credit union; requires $25 minimum opening deposit and $25 daily balance. Single service fee of $5 quarterly applies if no other accounts are open and average monthly balance is less than $100 (waived for youth under 18; assessed after 90 days).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 1.00% | $100 |
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.