Login
Menu
Search
Close this search box.

Current Rates

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%)

Termsas low as APR1Payment per $10,0004
366.24%$305
486.24%$236
66 ($10,000 Minimum)6.24%$179
72 ($15,000 Minimum)6.59%$169
78 ($25,000 Minimum)7.09%$160
84 ($30,000 Minimum)7.59%$154
Apply for a New or Used Auto Loan
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.

Termsas low as APR1Payment per $10,0004
369.00%$318
489.00%$249
60 ($10,000 Minimum)9.00%$208
72 ($15,000 Minimum)10.00%$185
84 ($25,000 Minimum)11.00%$171
Used Boats
Termsas low as APR1Payment per $10,0004
3610.00%$323
4810.00%$254
60 ($10,000 Minimum)10.00%$212
72 ($15,000 Minimum)11.00%$190
84 ($25,000 Minimum)12.00%$177
New Motorcycles

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

Termsas low as APR1Payment per $10,0004
369.00%$318
489.00%$249
60 ($10,000 Minimum)9.00%$208
Used Motorcycles
Termsas low as APR1Payment per $10,0004
3610.00%$323
4810.00%$254
60 ($10,000 Minimum)10.00%$212
New Recreational Vehicles
To apply for a new or used RV, visit us at any Financial Centers or call (210) 442-0199.
Termsas low as APR1Payment per $10,0004
60 ($10,000 Minimum)9.00%$208
84 ($30,000 Minimum)11.00%$171
120 ($60,000 Minimum)12.00%$143
Used Recreational Vehicles
Termsas low as APR1Payment per $10,0004
60 ($10,000 Minimum)10.00%$212
84 ($30,000 Minimum)11.00%$171
120 ($60,000 Minimum)13.00%$149

Unsecured Loans

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
Line of Credit
TermsAPR2
Revolving11.49%
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
30yr6.625%6.715%$65
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
30yr5.875%6.383%$62
Jumbo
TermsInterest RateAPR3Payment per $10,0004
15yr3.625%4.038%$74
30yr4.000%4.302%$49
5/5 Jumbo ARM
TermsInterest RateAPR3Payment per $10,0004
30yr3.000%3.996%$48

* 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
606.74%$197
846.94%$151
1207.24%$117
1807.39%$92
2407.54%$81
3007.74%$75
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

Credit Card

Visa Platinum
TermsAPR6
VISA Platinum Low Rate12.50%
VISA Platinum Rewards14.50%
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 Months3.75%3.69%
1 Year3.75%3.69%
Flex CDs $2509
TermsAPY11Dividend Rate
1 Year3.60%3.54%
Regular CDs $5009
TermsAPY10Dividend Rate
6 Months3.75%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%
* Indicates that these terms are available as Individual Retirement Account (IRA) CDs.
Open a CD

Money Market

On Your Mark® Money Market Checking 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-$9,999.991.75%1.74%
$10,000-$24,999.992.00%1.98%
$25,000-$49,999.992.25%2.23%
$50,000-$99,999.992.50%2.47%
$100,000 and Over3.00%2.96%
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%
Free Checking0.01%0.01%
Business Plus Checking0.05%0.05%
Organization Checking0.05%0.05%
Apply a Checking Account
  1. APR is Annual Percentage Rate. Rates accurate as of 12/30/2024. Floor rate on auto loans is 6.24% 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. APR is Annual Percentage Rate. Rates accurate as of 12/30/2024. 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 12/30/2024. 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 6.383% with an estimated payment of $59 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 12/30/2024, 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 6.74% 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 6.74% for 60 months, you will make 60 payments of approximately $197.
  6. APR is Annual Percentage Rate. Accurate as of 12/30/2024, and is subject to change without notice. APR is variable and your specific APR will range between 12.50% and 18.00% on Platinum card, 14.50% and 18.00% on Platinum Rewards card and 16.00% and 18.00% on Signature card depending on your creditworthiness. Penalty APR: 18.00%. 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 12/30/2024. Rates and terms are subject to change without prior notice. Other restrictions may apply.
  8. APR is Annual Percentage Rate. Accurate as of 12/30/2024. 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 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 12/30/2024. 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 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 12/30/2024. 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 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 12/30/2024. 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 12/30/2024. 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.
  14. APY is Annual Percentage Yield. Accurate as of 12/30/2024. 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.
  15. APY is Annual Percentage Yield. Accurate as of 12/30/2024. 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.
  16. Annual Percentage Yield (APY). Accurate as of 12/30/2024. 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 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 $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%.
  17. APY is Annual Percentage Yield. Accurate as of 12/30/2024. MAX Money Market requires a Power of the Dollar MAX (POD Max) checking account. If your POD 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. 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. 
†APY is Annual Percentage Yield and is effective as of 12/30/2024. 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 APY assumes 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. Federally insured by NCUA.
Facebook-f X-twitter Tiktok Youtube Instagram Linkedin-in
Loans
Accounts
Resources
Helpful Links
Download App
Google Play
Apple Store
Spurs Official Partner

Let's Get Started

Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:

  • Social Security Number
  • Date of Birth
  • Current Address
  • Phone Number
  • Email Address
  • Valid ID
  • Requested Loan Amount
Apply Now

Let's Get Started

Needed Items
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:

  • Social Security Number
  • Date of Birth
  • Current Address
  • Phone Number
  • Email Address
  • Valid ID
  • Requested Loan Amount
Apply Now

Let's Get Started

Needed Items

To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:

  • Social Security Number
  • Date of Birth
  • Current Address
  • Phone Number
  • Email Address
  • Valid ID
  • Requested Loan Amount
  • Estimated Property Value
  • Estimated Property Tax and Insurance Amount
  • Existing Mortgage Information

Choose one of the following:

I'm new to Firstmark
I'm already a member

Let's Get Started

Needed Items

To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:

  • Social Security Number
  • Date of Birth
  • Current Address
  • Phone Number
  • Email Address
  • Valid ID
  • Credit Limit

Choose one of the following:

Apply Now

Let's Get Started

Needed Items

To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiaries:

  • Social Security Number
  • Date of Birth
  • Current Address
  • Phone Number
  • Email Address
  • Valid ID
  • Initial Deposit Amount (ACH or Credit Card)

Choose one of the following:

I'm new to Firstmark
I'm already a member
Accounts
Credit Cards & Loans
Our Story / Learn More
Firstmark Foundation
Become a Member
Contact Us
(210) 442-0100
Facebook-f X-twitter Tiktok Youtube Instagram Linkedin-in
About Us
Team
Learn More

Over 90 Years of Service

Founded by teachers, powered by members, and built for your community!

Career Opportunities

Schedule an Appointment

Choose a location to get started!