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05/11/2025  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 5.74% $303
48 5.74% $234
66 ($10,000 Minimum) 5.74% $177
67 – 72 ($15,000 Minimum) 6.09% $166
73 – 78 ($25,000 Minimum) 6.59% $158
79 – 84 ($30,000 Minimum) 7.09% $151
New Boats
36 9.00% $305
48 9.00% $236
60 ($10,000 Minimum) 9.00% $194
72 ($15,000 Minimum) 10.00% $167
84 ($25,000 Minimum) 11.00% $147
Used Boat – Up to 10 model years
36 10.00% $305
48 10.00% $236
60 ($10,000 Minimum) 10.00% $194
72 ($15,000 Minimum) 11.00% $167
84 ($30,000 Minimum) 12.00% $147
New Recreational Vehicles
60 ($10,000 Minimum) 9.00% $194
84 ($30,000 Minimum) 11.00% $147
120 ($60,000 Minimum) 12.00% $112
Used Recreational Vehicles – Up to 10 model years
60 ($10,000 Minimum) 10.00% $194
84 ($30,000 Minimum) 11.00% $147
120 ($60,000 Minimum) 13.00% $112
New Motorcycles
36 9.00% $305
48 9.00% $236
60 ($10,000 Minimum) 9.00% $194
Used Motorcycles – Up to 10 model years
36 10.00% $305
48 10.00% $236
60 ($10,000 Minimum) 10.00% $194
Personal Unsecured
Term as low as APR3 Payment per $10,0002
12 10.49% $862
24 10.49% $444
36 10.99% $305
48 11.49% $236
60 11.99% $194
Line-of-Credit
New Advances 10.99% —
Educators Loan
Classroom Supply Loan 0.00%4 —
Credit Card
as low as APR5
VISA Platinum low rate
 13.00%
VISA Platinum Rewards
 16.00%
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) APR6 Payment per $10,0002
60 6.74% $194
84 6.94% $147
120 7.24% $112
180 7.39% $86
240 7.54% $73
300 7.74% $66
Home Improvement
Term ($25,000 Minimum) APR6 Payment per $10,0002
60 7.89% $194
84 8.09% $147
120 8.39% $112
180 8.54% $86
240 9.19% $73
  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 05/11/2025. Floor rate is 5.49% APR. For example, on a $10,000 loan at 5.74% for 36 months, you will make 36 payments of approximately $303. 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. 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 05/11/2025. 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 $862.
  4. APR is Annual Percentage Rate. Accurate as of 05/11/2025. 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.
  5. APR is Annual Percentage Rate. Accurate as of 05/11/2025, 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, 16.00% and 18.00% on Platinum Rewards card and 15.50% 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.
  6. APR is Annual Percentage Rate. Rates and terms are accurate as of 05/11/2025, 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 9.99% 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 6.74% for 60 months, you will make 60 payments of approximately $194.