07/27/2024  Loan Rates

Credit union membership is required to obtain a credit union loan. The Annual Percentage Rates (APRs) are As Low As.
The lowest rates quoted are based on approved credit. Your rate may be higher.

Auto Loans (2020 and newer) and Used Auto Loans
Term as low as APR1 Payment per $10,0002
36 6.99% $309
48 6.99% $239
66 ($10,000 Minimum) 6.99% $183
67 – 72 ($15,000 Minimum) 7.34% $172
73 – 78 ($25,000 Minimum) 7.84% $164
79 – 84 ($30,000 Minimum) 8.34% $158
New Boats
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 Boat – Up to 10 model years
36 10.25% $324
48 10.25% $255
60 ($10,000 Minimum) 10.25% $214
72 ($15,000 Minimum) 11.25% $192
84 ($30,000 Minimum) 12.25% $178
New Recreational Vehicles
60 ($10,000 Minimum) 9.25% $209
84 ($30,000 Minimum) 10.25% $167
120 ($60,000 Minimum) 12.25% $145
Used Recreational Vehicles – Up to 10 model years
60 ($10,000 Minimum) 10.25% $214
84 ($30,000 Minimum) 11.25% $173
120 ($60,000 Minimum) 13.25% $151
New Motorcycles
36 9.25% $319
48 9.25% $250
60 ($10,000 Minimum) 9.25% $209
Used Motorcycles – Up to 10 model years
36 10.25% $324
48 10.25% $255
60 ($10,000 Minimum) 10.25% $214
Personal Unsecured
Term as low as APR3 Payment per $10,0002
12 10.49% $881
24 10.49% $464
36 10.99% $327
48 11.49% $261
60 11.99% $222
Line-of-Credit
New Advances 10.60% —
Educators First Loans
Pre-Graduation Student Teaching Loan 6.60%4 —
Post-Graduation Bridge Loan 9.60%4 —
Teachers Certification Loan 5.00%4 —
Classroom Supply Loan 0.00%5 —
Teacher’s Retirement Buy-Back Loan
24 8.35% $454
36 8.60% $316
48 9.10% $249
60 9.60% $211
Credit Card
  as low as APR6
VISA Platinum low rate
 13.00%
VISA Platinum Rewards
 15.00%
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
Term ($25,000 Minimum) APR7 Payment per $10,0002
60 7.239% $199
84 7.308% $152
120 7.510% $119
180 7.584% $93
240 7.698% $82
300 7.877% $76
Home Improvement
Term ($25,000 Minimum) APR7 Payment per $10,0002
60 8.395% $205
84 8.464% $158
120 8.666% $125
180 8.741% $100
240 9.358% $92

  1. APR is Annual Percentage Rate. Rates accurate as of 07/27/2024. 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. Vehicle means auto, light trucks, boats, motorcycles, and RVs.

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

  3. APR is Annual Percentage Rate. Rates accurate as of 07/27/2024. 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.

  4. APR is Annual Percentage Rate. Rates accurate as of 07/27/2024. Rates and terms are subject to change without prior notice. Other restrictions may apply.

  5. APR is Annual Percentage Rate. Accurate as of 07/27/2024. 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.

  6. APR is Annual Percentage Rate is accurate as of 07/27/2024, 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 and terms are accurate as of 07/27/2024, 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.