Auto Loans (2020 and newer) and Used Auto Loans |
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| Term | as low as APR1 | Payment per $10,0002 | | 36 | 5.24% | $301 | | 48 | 5.24% | $231 | | 66 ($10,000 Minimum) | 5.24% | $175 | | 67 – 75 ($15,000 Minimum) | 5.59% | $164 | | 76 – 84 ($25,000 Minimum) | 6.59% | $149 | New Boats | | 36 | 6.75% | $308 | | 48 | 6.75% | $238 | | 60 ($10,000 Minimum) | 6.75% | $197 | | 72 ($15,000 Minimum) | 7.25% | $172 | | 84 ($15,000 Minimum) | 8% | $156 | | 120 ($25,000 Minimum) | 8.5% | $124 | Used Boat – Up to 10 model years | | 36 | 7.75% | $312 | | 48 | 7.75% | $243 | | 60 ($10,000 Minimum) | 7.75% | $202 | | 72 ($15,000 Minimum) | 8.25% | $177 | | 84 ($15,000 Minimum) | 9% | $161 | | 120 ($25,000 Minimum) | 9.5% | $129 | New Recreational Vehicles | | 60 ($10,000 Minimum) | 6.75% | $197 | | 84 ($15,000 Minimum) | 7.25% | $152 | | 120 ($25,000 Minimum) | 8% | $121 | | 144 ($35,000 Minimum) | 8.5% | $111 | Used Recreational Vehicles – Up to 10 model years | | 60 ($10,000 Minimum) | 7.75% | $202 | | 84 ($15,000 Minimum) | 8.75% | $160 | | 120 ($25,000 Minimum) | 9% | $127 | | 144 ($35,000 Minimum) | 9.5% | $117 | New Motorcycles | | 36 | 6.75% | $308 | | 48 | 6.75% | $238 | | 60 ($5,000 Minimum) | 6.75% | $197 | | 72 ($20,000 Minimum) | 7% | $170 | | 84 ($25,000 Minimum) | 8% | $156 | Used Motorcycles – Up to 10 model years | | 36 | 7.75% | $312 | | 48 | 7.75% | $243 | | 60 ($5,000 Minimum) | 7.75% | $202 | | 72 ($20,000 Minimum) | 8% | $175 | | 84 ($25,000 Minimum) | 9% | $161 |
| Personal Unsecured |
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| Term | as low as APR3 | Payment per $10,0002 | | 12 | 9.99% | $879 | | 24 | 9.99% | $461 | | 36 | 10.49% | $325 | | 48 | 10.99% | $258 | | 60 | 11.49% | $220 | Line-of-Credit | | New Advances | 10.99% | — | Educators Loan | | Classroom Supply Loan | 0%4 | — |
Credit Card |
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| | as low as APR5 | VISA Platinum low rate | 12.25% | VISA Platinum Rewards | 15.25% |
Mortgage Loans |
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| DUE TO CURRENT INTEREST RATE MARKET VOLATILITY, WE ARE NOT POSTING MORTGAGE LOAN INTEREST RATES ON THIS WEBSITE. THE MORTGAGE LOAN OFFICER WILL PROVIDE RATE QUOTES BASED ON THE SPECIFIC DETAILS OF EACH REQUEST |
Home Equity Line of Credit |
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| Term ($25,000 Minimum) | APR7 | Payment per $10,0002 | | 240-300 | 6.875% | $77 |
Home Equity |
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| Term ($25,000 Minimum) | APR6 | Payment per $10,0002 | | 60 | 6.24% | $194 | | 84 | 6.44% | $148 | | 120 | 6.74% | $115 | | 180 | 6.89% | $89 | | 240 | 7.04% | $78 | | 300 | 7.24% | $72 |
Home Improvement |
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| Term ($25,000 Minimum) | APR6 | Payment per $10,0002 | | 60 | 7.89% | $202 | | 84 | 8.09% | $156 | | 120 | 8.39% | $123 | | 180 | 8.54% | $99 | | 240 | 9.19% | $91 |
- APR is Annual Percentage Rate. APR shown includes a 0.50% discount for Power of the Dollar® MAX checking account holders. APR will increase by 0.50% if applicant does not have a Power of the Dollar® MAX checking account. Applicant may be eligible for additional discounts. Rates accurate as of 10/23/2026. Floor rate is 4.99% APR. For example, on a $10,000 loan at 5.24% for 36 months, you will make 36 payments of approximately $301. Subject to normal credit, underwriting, and collateral value guidelines. Rates and terms are subject to change without prior notice. Interest will accrue during the deferment period for the 60-day no payment option. Other restrictions apply. This offer does not apply to existing Firstmark vehicle loans. An additional 2% will be added to the qualifying APR for all title secured loans up to 66 months
- Payment based on Interest Rate and Terms for each loan type as shown above. Payment is approximate.
- APR is Annual Percentage Rate. Rates accurate as of 10/23/2026. Rates as low as 9.99% APR and as high as 18% APR and are subject to change without prior notice. Terms range from 12 to 60 months. The minimum dollar amount for 60 months is $10,000. Other restrictions may apply. For example, on a $10,000 loan at 9.99% for 12 months, you will make 12 payments of approximately $879.
- APR is Annual Percentage Rate. Accurate as of 07/29/2025. Membership and a Power of the Dollar® checking account with Firstmark Credit Union is required. Must be an active and certified K-12 teacher in a public or a private school to qualify. Rates and terms are subject to change without prior notice. Loan amount is $500. Maximum term is ten (10) months. Payment example: On a 10-month loan for $500 at 0.00% APR, you would make ten (10) payments of $50. All loans are subject to credit approval.
Annual Percentage Rate (APR) is accurate as of 10/23/2026. Firstmark ONE® VISA® Platinum: Rates may vary depending on your creditworthiness, and your specific APR will range between 12.25% and 18%. Penalty APR: 18.00%. Firstmark ONE® VISA® Platinum Rewards: Rates may vary depending on your creditworthiness, and your specific APR will range between 15.25% and 18%. Penalty APR: 18.00%. Minimum 650 FICO score required to qualify for an unsecured credit card and subject to final credit approval. Other restrictions, terms, and conditions apply. Credit union membership is required and is subject to approval. Firstmark uses Equifax/FICO Auto V8 Facta which may render a different credit score from other credit reporting agencies. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. Qualifying criteria may be subject to change. - APR is Annual Percentage Rate. Rates and terms are accurate as of 10/23/2026, and are subject to change. Maximum borrowing amount is 80% of your home’s appraised value.No Commercial Property or Manufactured Homes. Home Equity Loans with greater than a 20-year term are limited to a 1st lien position only. The Firstmark Home Equity loan minimum amount is $25,000 and maximum term is 25 years. Maximum borrowing amount is 80% of your home’s appraised value. The “as low as” APR shown assumes 1st lien position. For a loan in 2nd lien position rate, add .50% to above rate. Rates range from 6.24% to 9.99% based on credit qualification, lien position and loan term. .25% and .50% Power of the Dollar® discount applies to Home Equity and Home Improvement loans. For example, on a $10,000 loan at 6.24% for 60 months, you will make 60 payments of approximately $194.
- APR is Annual Percentage Rate. Home Equity Line of Credit is a variable-rate, open-end credit product. Variable APR based on Prime Rate. Rates and terms are accurate as of 10/23/2026 and are subject to change. Variable APR ranges from 6.875% to 9.875% depending on credit profile and loan to value. APR shown above is based on 1st lien position. Maximum APR is 18%. The minimum credit line is $25,000, and a minimum initial advance of $4,000 is required at closing. Maximum borrowing amount is 80% of your home’s appraised value. Estimated closing costs of $799.00 for a $50,000 HELOC. The property securing the HELOC must be the borrower’s primary residence located in Texas. No Commercial Property or Manufactured Homes. Power of the Dollar® discounts do not apply to HELOCs.
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