We are in this together.

In response to the COVID-19 (Coronavirus) outbreak, we remain committed to providing safe environments for our employees and our members. Rest assured that we will do everything we can to help you during these trying times. Learn more.

We have many ways for you to manage your accounts conveniently, anywhere and anytime. Learn more about our Online Services.

If you are facing financial hardship as a result of the Coronavirus, we have solutions for you to relieve the stress of financial worries.


If you need to skip this month's payment, we understand and we can help. We will waive fees on skip payments for eligible¹ loans.

Skip-A-Payment Benefits

  • Fees waived
  • Skip up to three (3) consecutive months²

Eligible Products

  • Personal Loan
  • Auto Loan


  • Must have three (3) months of membership4
  • Eligibility based on (3) consecutive payments

Auto and/or Personal Loan Skip Payments

Credit Card Relief

If you need to skip this month's payment, we understand and we can help. We will waive fees on skip payments for eligible¹ credit cards.

  • May only request to skip one months payment on all eligible credit cards¹

Skip-A-Credit-Card-Payment Request Form

Emergency Relief Loan

If you need help with basic needs like gas and groceries, consider Firstmark's Emergency Relief Loan.

  • 0.00% APR3
  • Loan amount is $500
  • 12-month term
  • No payment for 60 days
  • Available to active members with a minimum of one (1) year membership4
  • Must be in good standing as of March 1, 2020
  • Must have a minimum of $500 in Direct Deposit per month5

Apply Now

Home Equity and Home Improvement Relief

If we can remove some financial burden that you may be experiencing amid COVID-19 , we are here for you. Our member service specialists are here to help you defer your Home Equity or Home Improvement payments.

  • Mon-Fri 9:00 am - 5:00 pm

Call 210.442.0199

Mortgage Relief

If you need more time to take care of your basic family needs, you might want to defer your mortgage payment. For assistance, please call our mortgage loan partner Midwest Loan Services.

Call 800.262.6574

Penalty-Free CD Withdrawal

We know that you may need access to your Firstmark Certificate of Deposit (CD) funds during times of uncertainty.

For a limited time while things get back to normal, we will waive early withdrawal penalties for a one-time early CD withdrawal up to $5,000.

  • Mon-Fri 7:00 am - 7:00 pm

Call 210.442.0100


The Coronavirus Aid, Relief, and Economic Security (CARES) Act was passed by Congress and signed into law by President Trump on March 27, 2020, providing relief for individuals and businesses that have been negatively impacted by the coronavirus outbreak. Among the provisions, eligible taxpayers will receive a one-time direct deposit issued by the Internal Revenue Service (IRS) to a bank account on record from previously filed tax returns.

Firstmark Credit Union is quickly processing the incoming direct deposits for our members. Should the credit union receive direct deposits for closed, charged-off, or deceased accounts, the funds will be promptly returned to the IRS for appropriate handling. For your convenience, we have provided a link to the IRS website with frequently asked questions about the Economic Impact Payment (EIP) process and other important information.

Other Ways We Are Helping
  • Excess Share Insurance - Members are insured through NCUA up to $250K and they have an additional $250K through ESI.
  • Deferred Payments - No payments for up to 60 days when you purchase or refinance an auto loan
  • Greenpath -  Do you have concerns about the impact of the coronavirus outbreak on your finances? We have partnered with GreenPath Financial Wellness to help you navigate your financial path.

  1. Must be in good standing as of March 1, 2020. Delinquent loans are not eligible. Interest will accrue on all affected loans and may cause the maturity date on each loan to be extended. Skip-A-Payments must pass an internal review to be eligible. Share account must have a minimum balance of $5.
  2. May not exceed three (3) consecutive months, counting any previous skipped loan payments since March 1, 2020.
  3. For approved Skip-A-Payment request(s) on any loan(s), pre-authorized loan payment(s) automatically paid by payroll deduction or ACH deposit arranged with an outside financial institution will be initiated as scheduled unless the member opts to cancel these automatic payments pre-arranged with an outside source. Also, if the member arranged automatic loan payment(s) within the Firstmark online banking system and wishes to cancel the payment(s), the member must initiate the cancellation of the same automatic loan payment(s) within the online banking system.
  4. Active and retired educators, active service members and veterans, and employees are exempt from the 3-month requirement.
  5. Must have active checking account and not overdrawn.

I acknowledge that this action may extend the maturity date of my loan. This request does not change the legal obligation to Firstmark Credit Union (Credit Union) or standing loan agreements. I understand the Credit Union is merely and informally allowing me to defer payment for an approved month. I understand that interest will continue to accrue on the unpaid balance of my loan during the month of the skipped payment. I also understand that the extension of the note may not be covered by credit insurance or any Guaranteed Asset Protection (GAP) coverage.

Skipping the loan payment(s) does not change the terms and conditions of the original GAP Waiver. Under the terms and conditions of the GAP Waiver, a skipped payment is a payment that is not made in accordance with the terms of the original loan agreement. GAP does not cover the amount of the payment(s) skipped during the life of this loan and in the event of a claim, the skipped payment(s) may be deducted from any payable GAP benefit.

I must be in good standing and all loans must be current in order to participate in this program, unless approved by management. The Credit Union may terminate this program at any time. If approved, this request amends the loan agreement(s) and my regular monthly payment schedule will resume immediately following the month in which payment has been skipped. Auto loans with Collateral Protection Insurance (CPI) added are not eligible for the auto skip program.