What are the current interest rates at Firstmark Credit Union?

Current rates for Firstmark Credit Union include: 12-Month CD: 3.35%, 18-Month CD: 3.45%, 24-Month CD: 3.30%, 60-Month CD: 3.40%, Savings: 0.25%, MMA: 1.75%

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Firstmark Credit Union

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Firstmark Credit Union Rates & Review October 2026

Q: How many branches does Firstmark Credit Union operate?

Firstmark Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Firstmark Credit Union?

Yes, to access services at Firstmark Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Firstmark Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Firstmark Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Firstmark Credit Union's top rates as of October 13, 2026 are 3.85% APY on its Regular CDs - 11 month Promo CD, 0.25% APY on savings, 1.75% APY on money market accounts, 3.00% APY on checking, 3.62% on its Conventional Loan mortgage, personal loans from 9.99% APR, and credit cards from 12.25% APR, according to rates verified by MonitorBankRates. Other Firstmark Credit Union CD rates include Regular CDs - 7 month Promo at 3.60%, 1 Year Youth CDs at 3.50%, and Regular CDs - 1 Year at 3.50%. Other Firstmark Credit Union mortgage rates include Conventional Loan at 3.88%, 5/5 Jumbo ARM at 6.38%, and Jumbo Mortgage at 7.12%. MonitorBankRates evaluates the financial stability of Firstmark Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.40%. Rates last updated and verified on 10/13/2026.

Firstmark Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Firstmark Credit Union? Share your experience about Firstmark Credit Union by leaving a review below, or read customer reviews before you decide to use Firstmark Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Firstmark Credit Union
Gold Canyon Corporate Office

2023 Gold Canyon Rd
San Antonio, TX 78232-1703

https://www.firstmarkcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Firstmark Credit Union CD Rates

Product	Rate	APY	Term
Regular CDs - 11 month Promo	3.78%	3.85%	11 Months
Min Balance $500 Details Promo term (footnote ) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Regular CDs - 7 month Promo	3.54%	3.60%	7 Months
Min Balance $500 Details Promo term (footnote ) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
1 Year Youth CDs	3.44%	3.50%	1 Year
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Regular CDs - 1 Year	3.44%	3.50%	1 Year
Min Balance $500 Details Available as IRA CD Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Regular CDs - 18 month	3.40%	3.45%	18 Months
Min Balance $500 Details Available as IRA CD Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Regular CDs - 5 Years	3.35%	3.40%	5 Years
Min Balance $500 Details Available as IRA CD Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
1 Year Flex CDs	3.30%	3.35%	1 Year
Min Deposit $250 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Regular CDs - 3 Years	3.30%	3.35%	3 Years
Min Balance $500 Details Available as IRA CD Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Regular CDs - 2 Years	3.25%	3.30%	2 Years
Min Balance $500 Details Available as IRA CD Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
6 Month Youth CDs	3.20%	3.25%	6 Months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Regular CDs - 6 month	3.20%	3.25%	6 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Savings Rates

Product	Rate	APY
Health Savings Accounts	0.25%	0.25%
Min Balance $15,000 Details Balance: $15,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Health Savings Accounts	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000.00-$14,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Health Savings Accounts	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000.00-$4,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Health Savings Accounts	0.10%	0.10%
Min Balance $0 Details Balance: $0.00-$999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Savings Accounts	0.05%	0.05%
Details Balance: All Balances Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Money Market Rates

Product	Rate	APY
MAX Money Market Accounts	1.74%	1.75%
Min Balance $100,000 Details Balance: $100,000 and Over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
MAX Money Market Accounts	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
MAX Money Market Accounts	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
MAX Money Market Accounts	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
MAX Money Market Accounts	0.75%	0.75%
Min Balance $2,500 Details Balance: $2,500-$9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
MAX Money Market Accounts	0.50%	0.50%
Min Balance $250 Details Balance: $250-$2,499.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
On Your Mark Money Market Accounts	0.50%	0.50%
Min Balance $250 Details Balance: $250 and Over; Consumer and Commercial Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Checking Rates

Product	Rate	APY
Power of the Dollar MAX Checking	2.96%	3.00%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Power of the Dollar Checking	0.10%	0.10%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Organization Checking	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Basic Checking	0.01%	0.01%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Business Checking Rates

Product	Rate	APY	View More
Business Plus Checking	0.05%	0.05%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Loan	3.625%	-	5.448%	10 years
Details Mortgage; 1% origination loan fee applies to Conventional ten and fifteen year loans (footnote *) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.45% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Conventional Loan	3.875%	-	5.475%	15 years
Details Mortgage; 1% origination loan fee applies to Conventional ten and fifteen year loans (footnote *) Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.48% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
5/5 Jumbo ARM	6.375%	-	6.097%	30 years
No additional details. Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 5.68% → 6.10% ▲ 0.42 pts · high 6.13% / low 5.68% Oct 13, 20266.10%▼ from 6.13% Sep 29, 20266.13%▲ from 5.88% Sep 22, 20265.88%▲ from 5.68% Sep 14, 20265.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Jumbo Mortgage	7.125%	-	7.269%	30 years
Details Jumbo Terms; 30yr; Payment per $10,000: $68; Discount points may apply to Jumbo thirty year loans Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Conventional Loan	7.125%	-	7.344%	30 years
Details Mortgage; discount points associated with Conventional thirty year loans (footnote *) Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 6.05% → 7.34% ▲ 1.30 pts · high 7.34% / low 6.05% Oct 13, 20267.34%▲ from 6.05%* Sep 29, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	6.24%	60 months
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.89% → 6.24% ▼ 1.65 pts · high 7.89% / low 6.24% Sep 18, 20266.24%▼ from 7.89% Sep 14, 20267.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity	-	-	6.44%	84 months
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.09% → 6.44% ▼ 1.65 pts · high 8.09% / low 6.44% Sep 18, 20266.44%▼ from 8.09% Sep 14, 20268.09%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity	-	-	6.74%	120 months
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.39% → 6.74% ▼ 1.65 pts · high 8.39% / low 6.74% Sep 18, 20266.74%▼ from 8.39% Sep 14, 20268.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity Line of Credit	-	-	6.88%	240 - 300 months
Details $25,000 minimum Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Sep 29, 20266.88%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity	-	-	6.89%	180 months
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.54% → 6.89% ▼ 1.65 pts · high 8.54% / low 6.89% Sep 18, 20266.89%▼ from 8.54% Sep 14, 20268.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity	-	-	7.04%	240 months
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.19% → 7.04% ▼ 2.15 pts · high 9.19% / low 7.04% Sep 18, 20267.04%▼ from 9.19% Sep 14, 20269.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity	-	-	7.24%	300 months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity Home Improvement Loan	-	-	7.89%	60 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity Home Improvement Loan	-	-	8.09%	84 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity Home Improvement Loan	-	-	8.39%	120 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity Home Improvement Loan	-	-	8.54%	180 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Home Equity Home Improvement Loan	-	-	9.19%	240 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New and Used Auto Loans	-	-	5.24%	36 months
Details As Low As; Payment per $10,000 not captured Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24% Oct 9, 20265.24%▼ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New and Used Auto Loans	-	-	5.24%	48 months
Details As Low As; Payment per $10,000 not captured Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24% Oct 9, 20265.24%▼ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New and Used Auto Loans	-	-	5.24%	66 months
Details As Low As; Loan minimum: $10,000 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24% Oct 9, 20265.24%▼ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New and Used Auto Loans	-	-	5.59%	67 - 75 months
Details As Low As; Loan minimum: $15,000 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 5.84% → 5.59% ▼ 0.25 pts · high 5.84% / low 5.59% Oct 9, 20265.59%▼ from 5.84% Sep 18, 20265.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New and Used Auto Loans	-	-	6.59%	76 - 84 months
Details As Low As; Loan minimum: $25,000 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 6.84% → 6.59% ▼ 0.25 pts · high 6.84% / low 6.59% Oct 9, 20266.59%▼ from 6.84% Sep 18, 20266.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boats Loan	-	6.75%	36 months
Details As Low As; Minimum loan: $10,000; Payment per $10,000: $308 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Boats Loan	-	6.75%	48 months
Details As Low As; Minimum loan: $10,000; Payment per $10,000: $238 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Boats Loan	-	6.75%	60 months
Details As Low As; Minimum loan: $10,000; Payment per $10,000: $197 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Motorcycles Loan	-	6.75%	36 months
Details As Low As; $5,000 Minimum; Apply at any Financial Center or call (210) 442-0199 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Motorcycles Loan	-	6.75%	48 months
Details As Low As; $5,000 Minimum; Apply at any Financial Center or call (210) 442-0199 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Motorcycles Loan	-	6.75%	60 months
Details As Low As; $5,000 Minimum; Apply at any Financial Center or call (210) 442-0199 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Recreational Vehicles Loan	-	6.75%	60 months
Details As Low As; Loan minimum: $10,000; Applies to new or used RV, Travel Trailer, 5th Wheel Trailer, Gooseneck Trailer, Horse Trailer or Motorhome Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Motorcycles Loan	-	7.00%	72 months
Details As Low As; $20,000 Minimum; Apply at any Financial Center or call (210) 442-0199 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Boats Loan	-	7.25%	72 months
Details As Low As; Minimum loan: $15,000; Payment per $10,000: $172 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Recreational Vehicles Loan	-	7.25%	84 months
Details As Low As; Loan minimum: $30,000; Applies to new or used RV, Travel Trailer, 5th Wheel Trailer, Gooseneck Trailer, Horse Trailer or Motorhome Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Boats Loan	-	7.75%	36 months
Details As Low As; Loan Minimum: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Boats Loan	-	7.75%	48 months
Details As Low As; Loan Minimum: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Boats Loan	-	7.75%	60 months
Details As Low As; Loan Minimum: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Motorcycles Loan	-	7.75%	36 months
Details As Low As; Minimum loan amount: $5,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Motorcycles Loan	-	7.75%	48 months
Details As Low As; Minimum loan amount: $5,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Motorcycles Loan	-	7.75%	60 months
Details As Low As; Minimum loan amount: $5,000 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Recreational Vehicles - 60 months Loan	-	7.75%	60 months
Details As Low As; Minimum loan: $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Boats Loan	-	8.00%	84 months
Details As Low As; Minimum loan: $25,000; Payment per $10,000: $156 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Motorcycles Loan	-	8.00%	84 months
Details As Low As; $20,000 Minimum; Apply at any Financial Center or call (210) 442-0199 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Recreational Vehicles Loan	-	8.00%	120 months
Details As Low As; Loan minimum: $60,000; Applies to new or used RV, Travel Trailer, 5th Wheel Trailer, Gooseneck Trailer, Horse Trailer or Motorhome Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Motorcycles Loan	-	8.00%	72 months
Details As Low As; Minimum loan amount: $20,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Boats Loan	-	8.25%	72 months
Details As Low As; Loan Minimum: $15,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Boats Loan	-	8.50%	120 months
Details As Low As; Minimum loan: $25,000; Payment per $10,000: $124 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
New Recreational Vehicles Loan	-	8.50%	144 months
Details As Low As; Loan minimum: $35,000; Applies to new or used RV, Travel Trailer, 5th Wheel Trailer, Gooseneck Trailer, Horse Trailer or Motorhome Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Recreational Vehicles - 84 months Loan	-	8.75%	84 months
Details As Low As; Minimum loan: $30,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Boats Loan	-	9.00%	84 months
Details As Low As; Loan Minimum: $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Motorcycles Loan	-	9.00%	84 months
Details As Low As; Minimum loan amount: $20,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Recreational Vehicles - 120 months Loan	-	9.00%	120 months
Details As Low As; Minimum loan: $60,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Boats Loan	-	9.50%	120 months
Details As Low As; Loan Minimum: $25,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Used Recreational Vehicles - 144 months Loan	-	9.50%	144 months
Details As Low As; Minimum loan: $35,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Low Rate	-	12.25%
Details Credit Card; Visa Platinum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
VISA Platinum Rewards	-	15.25%
Details Credit Card; Visa Platinum Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 15.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - 12 Months	9.99%	12 months
Details As Low As; Minimum loan $2,000; Payment per $10,000: $879; APR footnote 2 applies Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Personal Loans - 24 Months	9.99%	24 months
Details As Low As; Minimum loan $2,000; Payment per $10,000: $461; APR footnote 2 applies Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Personal Loans - 36 Months	10.49%	36 months
Details As Low As; Minimum loan $2,400; Payment per $10,000: $325; APR footnote 2 applies Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Personal Loans - 48 Months	10.99%	48 months
Details As Low As; Minimum loan $4,000; Payment per $10,000: $258; APR footnote 2 applies Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
Personal Loans - 60 Months	11.49%	60 months
Details As Low As; Minimum loan $10,000; Payment per $10,000: $220; APR footnote 2 applies Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Firstmark Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	10.99%	Revolving
Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%
IRA Accounts	0.05%	-	0.05%
Min Deposit $5 Details Balance: All Balances; Minimum $5 to open a savings or IRA savings account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Firstmark Credit Union’s Texas Ratio rose from 3.74% in Q3 2023 to 4.40% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	4.40%	5.0	A+
March 31, 2026	$1.3B	4.27%	5.0	A+
December 31, 2025	$1.2B	4.89%	5.0	A+
September 30, 2025	$1.2B	3.69%	5.0	A+
June 30, 2025	$1.2B	3.47%	5.0	A+
March 31, 2025	$1.2B	3.28%	5.0	A+
December 31, 2024	$1.2B	3.91%	5.0	A+
September 30, 2024	$1.2B	2.90%	5.0	A+
June 30, 2024	$1.2B	3.38%	5.0	A+
March 31, 2024	$1.2B	3.15%	5.0	A+
December 31, 2023	$1.2B	3.65%	5.0	A+
September 30, 2023	$1.2B	3.74%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Firstmark Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Firstmark Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Firstmark Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Firstmark Credit Union

Website https://www.firstmarkcu.org

Address 2023 Gold Canyon Rd, San Antonio, TX 78232-1703

Phone 210-442-0100

Fax

President Matthew Ralph

CEO Wendy Cleveland

Full-Time Employees 230

Part-Time Employees 2

Branch Locations 12

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.40%

Return on Assets (ROA)

0.3473%

Return on Equity (ROE)

3.6113%

Non-Performing Loans Ratio (NPL)

0.70%

Total Assets

1,290,509,302

Total Amount of Shares and Deposits

1,159,648,778

Total Shares and Deposits < 1 Year

1,130,318,123

Total Shares and Deposits 1 3 Years

27,764,844

Total Shares and Deposits > 3 Years

1,565,810

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

52,694,278

Total Uninsured Shares and Deposits > $250K (F+J)

52,694,278

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,106,954,500

Total Interest Expense (Sum of items 6 8)

8,970,344

Share Certificates

10,162

Number of Accounts for Share Drafts

57,322

IRA KEOGH Accounts

1,692

Number of Accounts for Regular Shares

93,698

All other shares

253

Money Market Shares

5,981

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

29,393,402

Total Liabilities

1,187,077,713

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Firstmark Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Firstmark Credit Union

How many branches does Firstmark Credit Union operate?

Firstmark Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Firstmark Credit Union?

Yes, to access services at Firstmark Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Firstmark Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Firstmark Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Firstmark Credit Union offer online and mobile banking?

Most modern institutions like Firstmark Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstmarkcu.org.

Current Firstmark Credit Union Rates

12-Month CD3.35%
18-Month CD3.45%
24-Month CD3.30%
60-Month CD3.40%
Savings0.25%
MMA1.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Firstmark Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Firstmark Credit Union Texas Ratio

Firstmark Credit Union Health Trend

Firstmark Credit Union CD Rates

Firstmark Credit Union Savings Rates

Firstmark Credit Union Money Market Rates

Firstmark Credit Union Checking Rates

Firstmark Credit Union Business Checking Rates

Firstmark Credit Union Mortgage Rates

Firstmark Credit Union Home Equity & HELOC

Firstmark Credit Union Auto Loan Rates

Firstmark Credit Union RV, Boat and Powersport Loan Rates

Firstmark Credit Union Credit Card Rates

Firstmark Credit Union Personal Loan Rates

Firstmark Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Firstmark Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Firstmark Credit Union

How many branches does Firstmark Credit Union operate?

Is a member application needed to join Firstmark Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Firstmark Credit Union offer online and mobile banking?

Current Firstmark Credit Union Rates

Compare to Other Credit Unions