Secured Loans
New and Used Auto Loans

(2018 and newer) and Used Auto Loans - Up to 6 model years (Greater than 6 years old, add 1.00%)

Terms as low as APR1 Payment per $10,0004
36 6.99% $309
48 6.99% $239
66 ($10,000 Minimum) 6.99% $183
72 ($15,000 Minimum) 7.34% $172
78 ($25,000 Minimum) 7.84% $164
84 ($30,000 Minimum) 8.34% $158

Apply for a New or Used Auto

New Boats

To apply for a new or used Boat or Jet Ski Loan, visit us at any Financial Centers or call (210) 442-0199.

Terms APR1 Payment per $10,0004
36 9.25% $319
48 9.25% $250
60 ($10,000 Minimum) 9.25% $209
72 ($15,000 Minimum) 10.25% $187
84 ($25,000 Minimum) 11.25% $173
Used Boats
Terms APR1 Payment per $10,0004
36 10.25% $324
48 10.25% $255
60 ($10,000 Minimum) 10.25% $214
72 ($15,000 Minimum) 11.25% $192
84 ($25,000 Minimum) 12.25% $178
New Motorcycles

To apply for a new or used Motorcycle, visit us at any Financial Centers or call (210) 442-0199.

Terms APR1 Payment per $10,0004
36 9.25% $319
48 9.25% $250
60 ($10,000 Minimum) 9.25% $209
Used Motorcycles
Terms APR1 Payment per $10,0004
36 10.25% $324
48 10.25% $255
60 ($10,000 Minimum) 10.25% $214
New Recreational Vehicles

To apply for a new or used RV, visit us at any Financial Centers or call (210) 442-0199.

Terms APR1 Payment per $10,0004
60 ($10,000 Minimum) 9.25% $209
84 ($30,000 Minimum) 10.25% $167
120 ($60,000 Minimum) 12.25% $145
Used Recreational Vehicles
Terms APR1 Payment per $10,0004
60 ($10,000 Minimum) 10.25% $214
84 ($30,000 Minimum) 11.25% $173
120 ($60,000 Minimum) 13.25% $151
Unsecured Loans
Personal Loans
Terms APR2 Payment per $10,0004
12 ($2,000 Minimum) 10.49% $881
24 ($2,000 Minimum) 10.49% $464
36 ($2,400 Minimum) 10.99% $327
48 ($4,000 Minimum) 11.49% $261
60 ($10,000 Minimum) 11.99% $222
Line of Credit
Terms APR2
Revolving 11.99%
Mortgage Loans

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
Terms ($25,000 Minimum) APR5 Payment per $10,0004
60 7.24% $199
84 7.31% $152
120 7.51% $119
180 7.58% $93
240 7.70% $82
300 7.88% $76
Home Improvement
Terms ($25,000 Minimum) APR5 Payment per $10,0004
60 8.40% $205
84 8.46% $158
120 8.67% $125
180 8.74% $100
240 9.36% $92
Credit Card
Terms APR6
VISA Platinum Low Rate 13.00%
VISA Platinum Rewards 15.00%
Educator First Loans

Pre-Graduation Student Teaching Loan (12-48 Month Terms) $3,500 Max Loan Amount

Term as low as APR7 Payment per $3,5004
48 6.60% $83

Post-Graduation Bridge Loan (12-48 Month Terms) $3,500 Max Loan Amount

Terms as low as APR7 Payment per $3,5004
36 9.60% $112

Teachers Certification Loan (12-60 Month Terms) $5,000 Max Loan Amount

Terms as low as APR7 Payment per $5,0004
60 5.00% $94

Classroom Supply Loan (1-10 Month Terms) $500 Max Loan Amount

Terms as low as APR8 Payment per $5004
10 0.00% ---
Teacher's Retirement Buy-Back Loan
Terms as low as APR1 Payment per $10,0004
24 8.35% $454
36 8.60% $316
48 9.10% $249
60 9.60% $211
Certificate of Deposit
Youth CDs $1009
Terms APY10 Dividend Rate
6 Months 3.75% 3.69%
1 Year 3.75% 3.69%
Flex CDs $2509
Terms APY18 Dividend Rate
1 Year 3.60% 3.54%
CDs $5007

* Indicates that these terms are available as Individual Retirement Account (IRA) CDs.

Terms APY11 Dividend Rate
6 Months 3.75% 3.69%
7 Months Promo† 4.25% 4.17%
11 Months Promo† 4.00% 3.93%
1 Year* 3.75% 3.69%
18 Months* 3.75% 3.69%
2 Years* 2.75% 2.72%
3 Years* 2.75% 2.72%
5 Years* 2.75% 2.72%
Money Market
On Your Mark® Money Market Account (Consumer and Commercial)
Terms APY12 Dividend Rate
$250 and Over 0.50% 0.50%
Less Than $250 0.00% 0.00%
Share Accounts
Savings Accounts
Terms APY14 Dividend Rate
All Balances 0.05% 0.05%
Holiday and Summer Savers Club Account 0.25% 0.25%
IRA Share Accounts
Terms APY14 Dividend Rate
All Balances 0.05% 0.05%
Health Savings Account
Terms APY14 Dividend Rate
$15,000.00 and over 0.25% 0.25%
$5,000.00-$14,999.99 0.20% 0.20%
$1,000.00-$4,999.99 0.15% 0.15%
$0.00-$999.99 0.10% 0.10%
Checking Accounts
Terms APY17 Dividend Rate
Power of the Dollar® MAX Checking* 3.00% 2.96%
Power of the Dollar® Plus Checking 0.15% 0.15%
Power of the Dollar® Checking 0.10% 0.10%
Free Checking 0.01% 0.01%
Business Plus Checking 0.05% 0.05%
Organization Checking 0.05% 0.05%

  1. APR is Annual Percentage Rate. Rates accurate as of 10/7/2024. Floor rate on auto loans is 6.99% APR. 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 may apply. This offer does not apply to existing Firstmark vehicle loans. For example, on a $10,000 loan at 6.99% for 66 months, you will make 66 payments of approximately $183

  2. APR is Annual Percentage Rate. Rates accurate as of 10/7/2024. Rates as low as 10.49% 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 10.49% for 12 months, you will make 12 payments of approximately $881.

  3. APR is Annual Percentage Rate. Rates accurate as of 10/7/2024. Rates and terms are subject to change without prior notice. Other restrictions may apply. Rates are for Purchase and Refinances of residential property - No Commercial Property or Manufactured Homes. 5/5 ARM Rate advertised is an Adjustable Rate Mortgage (ARM). The interest rates and payments may increase after consummation. For the first 60 months the APR will be 4.051% with an estimated payment of $41 per $10,000. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Closing costs are typically between $2,000 to $4,000. Title insurance is required. The escrow account must reflect the new loan amount.

  4. Payment based on Interest Rate and Terms for each loan type as shown above. Payment is approximate.

  5. APR is Annual Percentage Rate. Rates and terms are accurate as of 10/7/2024, and are subject to change. 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. The “as low as” APR shown assumes 1st lien position. For a loan in 2nd lien position rate, add .25% to above rate.  Rates range from 7.239% to 9.74% 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 7.239% for 60 months, you will make 60 payments of approximately $199

  6. APR is Annual Percentage Rate. Accurate as of 10/7/2024, and is subject to change without notice. APR is variable and your specific APR will range between 13.00% and 18.00% on Platinum card, 15.00% and 18.00% on Platinum Rewards card and 16.50% and 18.00% on Signature card depending on your creditworthiness. Penalty APR: 18.00%. Foreign Transaction Fee: Up to 1.00% of all international transaction amounts. All usual credit criteria apply. Other restrictions may apply. Credit union membership is required to obtain a credit union loan. APR based on Wall Street Journal prime rate plus a margin.

  7. APR is Annual Percentage Rate. Rates accurate as of 10/7/2024. Rates and terms are subject to change without prior notice. Other restrictions may apply.

  8. APR is Annual Percentage Rate. Accurate as of 10/7/2024. Membership with Firstmark Credit Union 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 10 months. Payment example: On a 10 month loan for $500 at 0.00% APR, you would make 10 payments of $50. All loans are subject to credit approval.

  9. Indicates that these are the minimums available.

  10. Only available to youth members (ages 17 and younger).

  11. APY is Annual Percentage Yield. Accurate as of 10/7/2024. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. The stated annual percentage yields assume no withdrawal of principal or dividends during the term of the certificate of deposit. Penalties will be incurred if early withdrawals are taken.

  12. APY is Annual Percentage Yield. Accurate as of 10/7/2024. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  13. APY is Annual Percentage Yield. Accurate as of 10/7/2024. New money only, meaning funds not currently on deposit with Firstmark Credit Union. To receive Premium Money Market rates, your average daily balance must remain equal to or more than the stated minimum balance. A $5.00 fee will be incurred for each withdrawal or transfer over the six per month. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  14. APY is Annual Percentage Yield. Accurate as of 10/7/2024. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  15. APY is Annual Percentage Yield. Accurate as of 10/7/2024. Minimum $5 to open a savings or IRA savings account. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  16. APY is Annual Percentage Yield. Accurate as of 10/7/2024. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  17. APY is Annual Percentage Yield. Accurate as of 10/7/2024. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.

  18. APY is Annual Percentage Yield. Accurate as of 10/7/2024. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. The stated annual percentage yields assume no withdrawal of principal or dividends during the term of the certificate of deposit. Penalties will be incurred if excessive (more than two) early withdrawals are taken.

†

APY is Annual Percentage Yield and is effective as of 10/7/2024. The 4.25% APY requires a minimum deposit of $500. Compounded monthly. Fees or other conditions could reduce the earnings on the account. The stated annual percentage yields assume no withdrawal of principal or dividends during the 7 and 11-month terms of this certificate of deposit. Penalties will be incurred if early withdrawals are taken. Applicable to new money only from a financial institution other than Firstmark. Terms and conditions subject to change without notice. The Credit Union is federally insured.
*

Annual Percentage Yield. Accurate as of 10/7/2024. The Credit Union may offer other rates in the future. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account. Power of the Dollar® MAX is a tiered rate account. There is a minimum average daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum average daily balance requirement is not met during the dividend period, you will not earn the stated annual percentage yield. For balances $0-$499, the Dividend rate is 0.00% with a APY range of 0.00%; Balances $0 – $10,000 the Dividend Rate is 2.96% with a APY range of 3.0%; Balances $10,000.01(+) the Dividend Rate will revert to 0.01% with a APY range of 0.01%.