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Current Rates

Secured Loans

New and Used Auto Loans

 

Termas low as APR1Payment per $10,0002
365.49%$302
485.49%$233
66 ($10,000 Minimum)5.49%$176
67 – 75 ($15,000 Minimum)5.84%$165
76 – 84 ($25,000 Minimum)6.84%$150
Apply for a New or Used Auto Loan
New Boats

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

Termsas low as APR1Payment per $10,0004
36 ($10,000 Minimum)6.75%$308
48 ($10,000 Minimum)6.75%$238
60 ($10,000 Minimum)6.75%$197
72 ($15,000 Minimum)7.25%$172
84 ($25,000 Minimum)8.00%$156
120 ($25,000 Minimum)8.50%$124
Used Boats
Termsas low as APR1Payment per $10,0004
36 ($10,000 Minimum)7.75%$312
48 ($10,000 Minimum)7.75%$243
60 ($10,000 Minimum)7.75%$202
72 ($15,000 Minimum)8.25%$177
84 ($25,000 Minimum)9.00%$161
120 ($25,000 Minimum)9.50%$129
New Motorcycles

To apply for a new or used Motorcycle, Dirt Bike, Trike, Side by Side, ATV or Jet Ski, visit us at any Financial Centers or call (210) 442-0199.

Termsas low as APR1Payment per $10,0004
36 ($5,000 Minimum)6.75%$308
48 ($5,000 Minimum)6.75%$238
60 ($5,000 Minimum)6.75%$197
72 ($20,000 Minimum)7.00%$170
84 ($20,000 Minimum)8.00%$156
Used Motorcycles
Termsas low as APR1Payment per $10,0004
36 ($5,000 Minimum)7.75%$312
48 ($5,000 Minimum)7.75%$243
60 ($5,000 Minimum)7.75%$202
72 ($20,000 Minimum)8.00%$175
84 ($20,000 Minimum)9.00%$161
New Recreational Vehicles

To apply for a new or used RV, Travel Trailer, 5th Wheel Trailer, Gooseneck Trailer, Horse Trailer or Motorhome, visit us at any Financial Centers or call (210) 442-0199.

Termsas low as APR1Payment per $10,0004
60 ($10,000 Minimum)6.75%$197
84 ($30,000 Minimum)7.25%$152
120 ($60,000 Minimum)8.00%$121
144 ($35,000 Minimum)8.50%$111
Used Recreational Vehicles
Termsas low as APR1Payment per $10,0004
60 ($10,000 Minimum)7.75%$202
84 ($30,000 Minimum)8.75%$160
120 ($60,000 Minimum)9.00%$127
144 ($35,000 Minimum)9.50%$117
Personal Loans
Termsas low as APR2Payment 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
Termsas low as APR19Payment per $10,000
36 Promotional Rate ($2,400 Minimum)8.49%$316
Line of Credit
TermsAPR2
Revolving10.99%
Apply for a Personal Loan or Line of Credit

Home 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.3

Conventional
Terms 15*, 30**Interest RateAPR3Payment per $10,0004
10yr3.625%5.448%$108
15yr3.875%5.475%$82
30yr6.125%6.289%$62
FHA
TermsInterest RateAPR3Payment per $10,0004
30yr4.625%5.819%$59
VA
TermsInterest RateAPR3Payment per $10,0004
30yr4.625%5.819%$59
5/5 ARM
TermsInterest RateAPR3Payment per $10,0004
30yr5.375%5.686%$58
Jumbo
TermsInterest RateAPR3Payment per $10,0004
15yr3.625%4.038%$74
30yr6.125%6.231%$61
5/5 Jumbo ARM
TermsInterest RateAPR3Payment per $10,0004
30yr5.375%6.239%$62

* There is a 1% origination loan fee on Conventional, Investment, Jumbo ten and fifteen year loans.
** There are discount points associated on Conventional, Investment and Jumbo thirty year loans.

Home Equity
TermsAPR5Payment per $10,0004
606.24%$194
846.30%$148
1206.51%$114
1806.58%$88
2406.69%$76
3006.87%$70
Home Improvement
TermsAPR5Payment per $10,0004
607.89%$202
848.09%$156
1208.39%$123
1808.54%$99
2409.19%$91
Apply for a Home Equity or Home Improvement Loan
Home Equity Line of Credit
TermsAPR18Payment per $10,0004
240 – 300 ($25,000 Minimum)6.63%$75
Apply for a Home Equity Line of Credit

Credit Card

Visa Platinum
TermsAPR6
VISA Platinum Low Rate12.25%
VISA Platinum Rewards15.25%
Apply for a Credit Card

Educator Loans

Zero% Classroom Supply Loan
(1-10 Month Terms) $500 Max Loan Amount
Termsas low as APR8Payment per $5004
100.00%—

Certificate of Deposit

Youth CDs $1009
TermsAPY10Dividend Rate
6 Months3.50%3.45%
1 Year3.50%3.44%
Flex CDs $2509
TermsAPY11Dividend Rate
1 Year3.35%3.30%
Regular CDs $5009
TermsAPY10Dividend Rate
6 Months3.50%3.45%
7 Months Promo†3.80%3.74%
11 Months Promo††3.75%3.69%
1 Year*3.50%3.44%
18 Months*3.45%3.40%
2 Years*3.30%3.25%
3 Years*3.35%3.30%
5 Years*3.40%3.35%

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

Open a CD

Money Market

On Your Mark® Money Market Accounts
(Consumer and Commercial)
TermsAPY12Dividend Rate
Less Than $2500.00%0.00%
$250 and Over0.50%0.50%
Open a Money Market Account
MAX Money Market Accounts
(Consumer)
TermsAPY17Dividend Rate
$0-$249.990.00%0.00%
$250-$2,499.990.50%0.50%
$2,500-$9,999.990.75%0.75%
$10,000-$24,999.991.00%1.00%
$25,000-$49,999.991.25%1.24%
$50,000-$99,999.991.50%1.49%
$100,000 and Over1.75%1.74%
Open a MAX Money Market Account

Share Accounts

Savings Accounts
TermsAPY13Dividend Rate
All Balances0.05%0.05%
IRA Accounts
TermsAPY14Dividend Rate
All Balances0.05%0.05%
Health Savings Accounts
TermsAPY13Dividend Rate
$15,000.00 and over0.25%0.25%
$5,000.00-$14,999.990.20%0.20%
$1,000.00-$4,999.990.15%0.15%
$0.00-$999.990.10%0.10%
Checking Accounts
TermsAPY15Dividend Rate
Power of the Dollar® MAX Checking163.00%2.96%
Power of the Dollar® Plus Checking0.15%0.15%
Power of the Dollar® Checking0.10%0.10%
Basic Checking0.01%0.01%
Business Plus Checking0.05%0.05%
Organization Checking0.05%0.05%
Open a Checking Account
  1. APR is Annual Percentage Rate. APR shown includes a 0.50% discount for Power of the Dollar® Plus or Power of the Dollar® MAX checking account holders. APR will increase by 0.50% if applicant does not have a Power of the Dollar® Plus or Power of the Dollar® MAX checking account. Applicant may be eligible for additional discounts. Rates accurate as of 04/2/2026. Floor rate is 5.24% APR. For example, on a $10,000 loan at 5.49% for 36 months, you will make 36 payments of approximately $302. 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
  2. APR is Annual Percentage Rate. Rates accurate as of 04/2/2026. 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 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 5.686% with an estimated monthly payment of $56 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.
  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 04/2/2026, 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 .50% to above rate. Rates range from 6.235% 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 6.235% for 60 months, you will make 60 payments of approximately $194.

  6. Annual Percentage Rate (APR) is accurate as of 04/2/2026. 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 680 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.

  7. APR is Annual Percentage Rate. Rates accurate as of 04/2/2026. Rates and terms are subject to change without prior notice. Other restrictions may apply.
  8. 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.
  9. Indicates that these are the minimums available.
  10. APY is Annual Percentage Yield. Accurate as of 04/2/2026. 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 APY assumes no withdrawal of principal or dividends during the term of the certificate of deposit. Penalties will be incurred if early withdrawals are taken.
  11. APY is Annual Percentage Yield. Accurate as of 04/2/2026. 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 APY assumes 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.
  12. APY is Annual Percentage Yield. Accurate as of 04/2/2026. 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 04/2/2026. 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 04/2/2026. 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.
  15. APY is Annual Percentage Yield. Accurate as of 04/2/2026. 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 04/2/2026. 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 APY 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 APY. For balances $0-$499, the Dividend rate is 0.00% with a APY range of 0.00%; Balances $500 – $10,000 the Dividend Rate is 2.96% with a APY range of 3.00%; Balances $10,000.01(+) the Dividend Rate will revert to 0.01% with a APY range of 0.01%.
  17. APY is Annual Percentage Yield. Accurate as of 04/2/2026. MAX Money Market requires a Power of the Dollar® MAX checking account. If your Power of the Dollar® MAX checking account is closed at any time during the month, your MAX Money Market account will be converted to a On Your Mark® Money Market account. The dividends will be converted to the On Your Mark® Money Market at the current rate on the first of each month. See rate sheet for APY information. Checks will not be allowed on MAX Money Market accounts. Minimum daily balance of $250 to earn APY. Balances $250.00 – $2,499.99 the dividend is 0.50% with an APY of 0.50%; Balances between $2,500 – $9,999.99, the dividend is 0.75% with an APY of 0.75%; Balances between $10,000 – $24,999.99, the dividend is 1.00% with an APY of 1.00%; Balances between $25,000 – $49,999.99, the dividend is 1.24% with an APY of 1.25%; Balances between $50,000 – $99,999.99, the dividend is 1.49% with an APY of 1.50%; Balances over $100,000, the dividend is 1.74% with a APY of 1.75%. Compounded monthly.
  18. APR is Annual Percentage Rate. Variable APR based on Prime Rate. Rates and terms are accurate as of 04/2/2026 and are subject to change. Variable APR ranges from 6.625% 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. 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.

  19. APR is Annual Percentage Rate. Rates are accurate as of April 1, 2026. The APR ranges from 8.49%- 16.74%. Terms range from 12 to 60 months. Firstmark may offer other rates in the future. This loan offer may not be combined or refinanced with current personal loans. Subject to normal credit approval and Firstmark lending guidelines. Must have minimum credit score of 610 to qualify for promotional rate. Spring promotional loan is not eligible with other discounts. Loan amounts range from $2,000 to $10,000.  Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. For example, on a $5,000 loan at 8.49% APR for 24 months, you will make 24 payments of approximately $227 (for information purposes only and does not constitute an offer to receive a loan and will not solicit a loan offer). The loan will still accrue interest during the 45-day deferral period. Your actual loan amount, rate, and payment terms may vary. Other restrictions may apply. This offer is valid through May 31,2026. Firstmark reserves the right to end the promotion at any time. 

†Annual Percentage Yield (APY) is accurate as of 04/2/2026. Rates may change at any time without notice. Compounded Monthly. Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes dividends remain on deposit until maturity. No additional deposits allowed after account opening. Fees may reduce earnings. A penalty may apply for early withdrawal. Minimum opening balance is $500. Minimum to earn APY is $500. At maturity, this 7‑month CD will automatically renew into a 12‑month CD at the current rate offered, unless you withdraw or change the term during the grace period. All Certificate Accounts are automatically renewable accounts. Members will have a 10-day grace period after maturity to withdraw funds without penalty. Subject to approval. Federally insured by NCUA.
††Firstmark February 11-Month CD disclosure: Limited Time Promotional Rate Certificates may end at any time without notice. Annual Percentage Yield (APY) is accurate as of 01/29/2026. Rates may change at any time without notice. Compounded Monthly. Advertised rate is fixed for the initial term of the Certificate of Deposit (CD) only. APY assumes dividends remain on deposit until maturity. No additional deposits allowed after account opening. Fees may reduce earnings. A penalty may apply for early withdrawal. Minimum opening balance is $500. Minimum to earn APY is $500. At maturity, this 11-month CD will automatically renew into a 12‑month CD at the current rate offered, unless you withdraw or change the term during the grace period. All Certificate Accounts are automatically renewable accounts. Members will have a 10-day grace period after maturity to withdraw funds without penalty. Subject to approval. Federally insured by NCUA.
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