Firstmark Credit Union values your identity and as such we will NEVER ask you via phone or e-mail for your account number or password. If you ever receive a call where this information is requested, do not provide or surrender account information.
If you have a problem with the services provided by this credit union, please contact us at:
Firstmark Credit Union
P.O. Box 701650, San Antonio TX 78270-1650
The credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means below:
Members’ Access to Credit Union Documents
According to Section 91.315 of the Texas Administrative Code, Firstmark Credit Union is required to notify our members that the following documents are available for review or to receive a copy of the most recent version: (1) Balance Sheet and Income Statement, (2) Annual Audit, (3) Articles of Incorporation, Bylaws, Rules, Guidelines, Board Policies and copies thereof, and (4) Internal Revenue Service Form 990. Please make requests by writing to Firstmark Credit Union, ATTN: Credit Union Documents, PO Box 701650, San Antonio, TX 78270-1650 or by phone (210) 442-0100.
Third Party Link Disclosures
When Leaving The Firstmark Credit Union Web Site and entering a web site not operated by the credit union we:
- offer these links for your convenience in accessing financial-related information, please be aware that when you exit our website, the privacy and security policy stated on our website may not be the same as that on other websites.
- cannot attest to the content or accuracy of information provided by these linked sites.
- will not constitute an endorsement by Firstmark Credit Union or any of its employees of the sponsors of the site or the products presented on the site and does not represent either if entering into any kind of transaction.
USA Patriot Act
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT —To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a financial transactional account, individuals and business. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
Children’s Online Privacy Protection Act of 1998 (COPPA)
Firstmark Credit Union does not collect any personal information from minors through our web site.
IMPORTANT NOTICE REGARDING CREDIT INSURANCE
For members insured with Credit Insurance, coverage terminates on the last day of the month during which you reach the Termination Age of 70 for Credit Life and 66 for Credit Disability.
Privacy Notice and Disclosure
If after reading this notice you have questions, please contact us at: (210) 442-0100 or (800) 683-1211 or write to:
Member Contact Center
Firstmark Credit Union
PO Box 701650
San Antonio, TX 78270-1650
Phone: (210) 442-0100
Information We Collect About You
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications and other forms
- Information about your transactions with us
- Information we receive from a consumer reporting agency
We may disclose all of the information we collect, as described above, as permitted by law.
- Third party vendors, including Google, show your ads on sites on the internet
NAI member companies serve cookies via this website to allow consumers to opt-out of the Online Preference Marketing (“OPM”) practices of those member companies. To enable a consumer to opt out, the NAI or member company must set an “opt-out cookie” on the consumer’s browser. At this site, the setting of that opt-out cookie occurs when the consumer chooses, via one of our opt-out pages, not to participate in the OPM practices of an NAI member company. The only way that an NAI member company will be able to know that a consumer has chosen not to participate in OPM is if the member company can read an opt-out cookie on that consumer’s browser. To learn more about how our opt-out process works, click here.
No personally-identifiable information is collected on this website from consumers that browse the website for information or use the opt-out service.
Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties:
- Financial service providers, such as insurance companies, mortgage service companies, and securities broker-dealers
- Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers, plastic card processors, and government agencies
If you are a new member, we can begin sharing your information 30 days form the date we sent our Privacy Notice. When you are no longer our member, we continue to share your information as described in the Privacy Notice.
To limit our sharing:
- Call 210-442-0100 – our menu will prompt you through your choice(s) or
- Complete our online Opt-Out of Sharing form
Disclosure of Information to Parties That Provide Services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect , as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.
To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.
Disclosure of Information About Former Members
If you terminate your membership with Firstmark Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.
How We Protect Your Information
We restrict access to nonpublic, personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
What Members Can Do to Help
Firstmark Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
- Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
- Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
- Let us know if you have questions. Please do not hesitate to call us – we are here to serve you!
Firstmark Credit Union
PO Box 701650
San Antonio, TX 78270-1650
Phone: (210) 442-0100
© CUNA Mutual Group, 2000, 2001 (30882) 02/28/01 23375
An independent agency of the United States Government. NCUA regulates, charters, and insures the nation’s federal credit unions. In addition, NCUA insures state chartered credit unions, like Firstmark Credit Union, which desire and qualify for federal insurance.
The shares in Firstmark Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF) or the Fund, an arm of NCUA. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the Fund is managed by NCUA under the direction of the three-person NCUA Board.
Your share insurance is similar to deposit insurance provided by the Federal Deposit Insurance Corporation (FDIC). Share accounts in federally insured credit unions are insured up to $250,000, an amount equal to the insurance protection offered by the FDIC.
Click here to learn more.
National Credit Union Share Insurance Fund
The National Credit Union Share Insurance Fund (NCUSIF) is the federal fund created by Congress in 1970 to insure member’s deposits in credit unions up to the $250,000 federal limit. Administered by the National Credit Union Administration, the NCUSIF is backed by the “full faith and credit” of the U.S. Government. Click here to learn more.
You can use the new Electronic Share Insurance Estimator at the NCUA web site in order to give you an idea as to the amount of coverage your accounts at the Credit Union carry. Based on the type of deposit account(s) you have, this estimator will determine how much those same accounts are insured for.
Firstmark Credit Union offers members an additional $250,000 in deposit insurance coverage through participation in the Excess Share Insurance program. This coverage provides additional security for members who entrust the credit union with higher deposit balances.
Equal Housing Lender
There are several federal laws which provide you with protection during the processing of your loan. The Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and the Fair Credit Reporting Act (FCRA) prohibit discrimination and provide you with the right to certain credit information.
No Discrimination. ECOA prohibits lenders from discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, the fact that all or part of the applicant’s income comes from any public assistance program, or the fact that the applicant has exercised any right under any federal consumer credit protection law. To help government agencies monitor ECOA compliance, your lender or mortgage broker must request certain information regarding your race, sex, marital status and age when taking your loan application.
The Fair Housing Act as amended, prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents of legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability).
Firstmark Credit Union is committed to facilitating the accessibility and usability of its website, firstmarkcu.org, for all individuals, including individuals using assistive technologies such as a screen reader, magnifier, voice recognition software, or captions for videos. Firstmark is continually implementing the relevant portions of the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.0 Level AA (WCAG 2.0 AA) as its web accessibility standard. Some of our service delivery channels are provided through or with assistance from third party vendors, and we work with those vendors to achieve our accessibility goals.
Please be aware that our efforts are ongoing and evolve as our website evolves. If you are using a screen reader or other auxiliary aid and are having problems using this website, or if you have specific questions or concerns about the accessibility of any particular Web page on firstmarkcu.org, please contact us at [email protected] or please call (210) 442-0100 for assistance. All products and services available on this website are available at all Firstmark Credit Union’s full-service locations.