09/28/2023  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.

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

Auto Loans (2020 and newer) and Used Auto Loans – Up to 6 model years (Greater than 6 years old, add 1.00%)
Term as low as APR1 Payment per $10,0002
36 6.74% $308
48 6.74% $238
66 ($10,000 Minimum) 6.74% $182
67 – 72 ($15,000 Minimum) 7.09% $171
73 – 78 ($25,000 Minimum) 7.59% $163
79 – 84 ($30,000 Minimum) 8.09% $156
New Boats
36 9.00% $318
48 9.00% $249
60 ($10,000 Minimum) 9.00% $208
72 ($15,000 Minimum) 10.00% $185
84 ($25,000 Minimum) 11.00% $171
Used Boat – Up to 10 model years
36 10.00% $323
48 10.00% $254
60 ($10,000 Minimum) 10.00% $212
72 ($15,000 Minimum) 11.00% $190
84 ($30,000 Minimum) 12.00% $177
New Recreational Vehicles
60 ($10,000 Minimum) 9.00% $208
84 ($30,000 Minimum) 11.00% $171
120 ($60,000 Minimum) 12.00% $143
Used Recreational Vehicles – Up to 10 model years
60 ($10,000 Minimum) 10.00% $212
84 ($30,000 Minimum) 11.00% $171
120 ($60,000 Minimum) 13.00% $149
New Motorcycles
36 9.00% $318
48 9.00% $249
60 ($10,000 Minimum) 9.00% $208
Used Motorcycles – Up to 10 model years
36 10.00% $323
48 10.00% $254
60 ($10,000 Minimum) 10.00% $212
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
 12.75%
VISA Platinum Rewards
 14.75%
Mortgage Loans
Home Equity
Term APR7 Payment per $10,0002
36 6.79% $308
48 6.79% $238
60 6.89% $197
84 7.09% $151
120 7.39% $118
180 7.54% $93
240 7.69% $82
300 7.89% $76
Home Improvement
Term ($10,000 Minimum) APR7 Payment per $10,0002
36 7.79% $312
48 7.79% $243
60 7.89% $202
84 8.09% $156
120 8.39% $123
180 8.54% $99
240 9.19% $91

  1. APR is Annual Percentage Rate. Rates accurate as of 09/28/2023. Floor rate on auto loans is 6.74% 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. On vehicles over 6 years old, add 1.00% to the above listed rates. 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 09/28/2023. 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 09/28/2023. Rates and terms are subject to change without prior notice. Other restrictions may apply.

  5. APR is Annual Percentage Rate. Accurate as of 09/28/2023. 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 09/28/2023, and is subject to change without notice. APR is variable and your specific APR will range between 12.75% and 18.00% on Platinum card, 14.75% and 18.00% on Platinum Rewards card and 16.25% 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 09/28/2023, 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 loan amount is $10,000 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 6.79% to 9.74% based on credit qualification, lien position and loan term. .15% and .25% Power of the Dollar discount applies to Home Equity and Home Improvement loans. For example, on a $10,000 1st lien Home Equity loan at 6.79% for 48 months, you will make 48 payments of approximately $238.