---
title: "Firstmark Credit Union Rates (Nov 2026): HELOC 6.88%, CDs to 3.00%"
description: "Firstmark Credit Union rates today: 30 year fixed mortgage 6.76% APR, HELOC from 6.88% APR, savings & CDs up to 3.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Firstmark Credit Union — verified membership eligibility with the requirements and cost to join."
canonical: "https://rateapi.dev/credit-unions/texas/firstmark"
last-updated: "2026-11-13"
source: "https://rateapi.dev/llms.txt"
---

# Firstmark Credit Union Rates (Nov 2026): HELOC 6.88%, CDs to 3.00%

### Mortgage rates

14 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Current Rates At-A-Glance (Jumbo Mortgage 30-Year Fixed)** 30 year fixed |  — APR |  6.763% |  — |  Standard |
| **Jumbo 30-Year Fixed** 30 year fixed |  6.763% APR |  6.625% |  — |  Standard |
| **Current Rates At-A-Glance (Conventional Mortgage 30-Year Fixed)** 30 year fixed |  — APR |  6.835% |  — |  Standard |
| **30-Year Fixed** 30 year fixed |  6.835% APR |  6.625% |  — |  Standard |
| **5/5 ARM** 5 5 arm |  — APR |  5.875% |  — |  Standard |
| **Jumbo 5/5 ARM** 5 5 arm |  — APR |  5.875% |  — |  Standard |
| **Current Rates At-A-Glance (5/5 30-Year ARM)** 5 5 arm |  — APR |  6.043% |  — |  Standard |
| **5/5 30-Year ARM** 5 5 arm |  6.043% APR |  5.875% |  — |  Standard |
| **Home Loan Options At-a-Glance (Down Payment)** other |  — APR |  5.000% |  — |  Standard |
| **Down Payment** other |  — APR |  5.000% |  — |  Standard |
| **Conventional** other |  — APR |  6.625% |  — |  Standard |
| **Jumbo** other |  — APR |  6.625% |  — |  Standard |
| **Current Rates At-A-Glance (On Your Mark® Mortgage (100% Financing))** other |  — APR |  7.725% |  — |  Standard |
| **On Your Mark® Mortgage (100% Financing)** other |  7.725% APR |  7.500% |  — |  Standard |
Firstmark Credit Union mortgage rates as of November 12, 2026

### Auto & vehicle rates

26 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **New and Used Auto Loans (66 ($10,000 Minimum))** auto_any |  — APR |  5.240% |  any |  Standard |
| **New and Used Auto Loans (67 - 75 ($15,000 Minimum))** auto_any |  — APR |  5.590% |  any |  Standard |
| **New and Used Auto Loans (76 - 84 ($25,000 Minimum))** auto_any |  — APR |  6.590% |  any |  Standard |
| **76 - 84 ($25,000 Minimum)** auto |  — APR |  6.590% |  — |  Standard |
| **New Motorcycles (60 ($5,000 Minimum))** motorcycle_new |  — APR |  6.750% |  new |  Standard |
| **New Boats (36 ($10,000 Minimum))** boat_new |  — APR |  6.750% |  new |  Standard |
| **New Recreational Vehicles (60 ($10,000 Minimum))** rv_new |  — APR |  6.750% |  new |  Standard |
| **New Motorcycles (72 ($20,000 Minimum))** motorcycle_new |  — APR |  7.000% |  new |  Standard |
| **New Boats (72 ($15,000 Minimum))** boat_new |  — APR |  7.250% |  new |  Standard |
| **New Recreational Vehicles (84 ($30,000 Minimum))** rv_new |  — APR |  7.250% |  new |  Standard |
| **Used Boats (48 ($10,000 Minimum))** boat_used |  — APR |  7.750% |  used |  Standard |
| **Used Motorcycles (48 ($5,000 Minimum))** motorcycle_used |  — APR |  7.750% |  used |  Standard |
| **Used Recreational Vehicles (60 ($10,000 Minimum))** rv_used |  — APR |  7.750% |  used |  Standard |
| **New Motorcycles (84 ($20,000 Minimum))** motorcycle_new |  — APR |  8.000% |  new |  Standard |
| **New Boats (84 ($25,000 Minimum))** boat_new |  — APR |  8.000% |  new |  Standard |
| **New Recreational Vehicles (120 ($60,000 Minimum))** rv_new |  — APR |  8.000% |  new |  Standard |
| **Used Motorcycles (72 ($20,000 Minimum))** motorcycle_used |  — APR |  8.000% |  used |  Standard |
| **Used Boats (72 ($15,000 Minimum))** boat_used |  — APR |  8.250% |  used |  Standard |
| **New Recreational Vehicles (144 ($35,000 Minimum))** rv_new |  — APR |  8.500% |  new |  Standard |
| **New Boats (120 ($25,000 Minimum))** boat_new |  — APR |  8.500% |  new |  Standard |
| **Used Recreational Vehicles (84 ($30,000 Minimum))** rv_used |  — APR |  8.750% |  used |  Standard |
| **Used Motorcycles (84 ($20,000 Minimum))** motorcycle_used |  — APR |  9.000% |  used |  Standard |
| **Used Recreational Vehicles (120 ($60,000 Minimum))** rv_used |  — APR |  9.000% |  used |  Standard |
| **Used Boats (84 ($25,000 Minimum))** boat_used |  — APR |  9.000% |  used |  Standard |
| **Used Recreational Vehicles (144 ($35,000 Minimum))** rv_used |  — APR |  9.500% |  used |  Standard |
| **Used Boats (120 ($25,000 Minimum))** boat_used |  — APR |  9.500% |  used |  Standard |
Firstmark Credit Union auto & vehicle rates as of November 12, 2026

### HELOC rates

2 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Home Equity Loan** heloc |  — APR |  6.240% |  — |  Standard |
| **HELOC (Variable)** heloc_variable |  6.880% APR |  6.880% |  — |  Standard |
Firstmark Credit Union heloc rates as of November 12, 2026

### Personal loan rates

9 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Home Improvement** personal_unsecured_60mo |  — APR |  7.890% |  60 mo |  Standard |
| **Home Improvement** personal_unsecured_84mo |  — APR |  8.090% |  84 mo |  Standard |
| **Home Improvement** personal_unsecured_120mo |  — APR |  8.390% |  120 mo |  Standard |
| **Home Improvement** personal_unsecured_180mo |  — APR |  8.540% |  180 mo |  Standard |
| **Home Improvement** personal_unsecured_240mo |  — APR |  9.190% |  240 mo |  Standard |
| **Personal Loans (24 ($2,000 Minimum))** personal_unsecured |  — APR |  9.990% |  — |  Standard |
| **Personal Loans (36 ($2,400 Minimum))** personal_unsecured |  — APR |  10.490% |  — |  Standard |
| **Personal Loans (48 ($4,000 Minimum))** personal_unsecured |  — APR |  10.990% |  — |  Standard |
| **Personal Loans (60 ($10,000 Minimum))** personal_unsecured |  — APR |  11.490% |  — |  Standard |
Firstmark Credit Union personal loan rates as of November 12, 2026

### Savings & CD rates

6 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **FREE Checking (Basic)** checking |  — APY |  0.01% |  — |  Standard |
| **Business Plus Checking** checking |  0.05% APY |  0.05% |  — |  Eligibility restricted |
| **Power of the Dollar® Checking** checking |  0.10% APY |  0.10% |  — |  Standard |
| **Power of the Dollar® MAX Checking 16** checking |  3.00% APY |  2.96% |  — |  Standard |
| **66 ($10,000 Minimum)** savings |  — APY |  5.24% |  — |  Standard |
| **67 - 75 ($15,000 Minimum)** savings |  — APY |  5.59% |  — |  Standard |
Firstmark Credit Union savings & cd rates as of November 12, 2026

### Other rates

3 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Power of the Dollar® MAX** other |  — % |  0.500% |  — |  Standard |
| **Power of the Dollar®** other |  — % |  4.990% |  — |  Standard |
| **Revolving** other |  — % |  10.990% |  — |  Standard |
Firstmark Credit Union other rates as of November 12, 2026

As of November 12, 2026, Firstmark Credit Union offers a 30-year fixed mortgage at 6.763% APR. HELOC rates from 6.88% APR. Savings and certificate yields up to 3.00% APY.

> Source: [RateAPI.dev](https://rateapi.dev/credit-unions/texas/firstmark) , verified from [Firstmark Credit Union's official website](https://www.firstmarkcu.org/)

Best product position **Better than the Texas median** 30-year fixed mortgage

Gap to state best **62 bp** 62 bp from state best

Vs. state median **84 bp better than median** 30-year fixed mortgage

Products ranked **2** across tracked Texas markets

| Product |  Published APR |  Position |  Vs. state best |  Vs. state median |
| 30-year fixed mortgage |  6.04% |  Better than the Texas median |  62 bp from state best |  84 bp better than median |
| HELOC |  6.88% |  Room to improve vs. the Texas median |  163 bp from state best |  63 bp behind median |
Published rate position by product as of November 13, 2026

This is the public snapshot. Claim Firstmark Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up.

[See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=firstmark&state=texas&code=TX&name=Firstmark%20Credit%20Union)

Loading branch locator…

## About Firstmark Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members

89.1K

Assets

$1.3B

Founded

1932

Locations reported

13

NCUA charter

62509

Charter type

Federally insured state-chartered credit union

### Services and member support

- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
- First-time homebuyer program
- Student scholarships

Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union.

### Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

[**Security Service** 281 North · San Antonio · TX · 78232-1428 Branch in the same ZIP](https://rateapi.dev/credit-unions/texas/security-service) [**randolph-brooks** Gold Canyon · San Antonio · TX · 78232-1557 About 1.5 miles away](https://rateapi.dev/credit-unions/texas/randolph-brooks) [**Credit Human** The Vineyard Financial Health Center · San Antonio · TX · 78258 About 2.4 miles away](https://rateapi.dev/credit-unions/texas/credit-human) [**Nizari Progressive** San Antonio · San Antonio · TX · 78259-2806 About 3.5 miles away](https://rateapi.dev/credit-unions/texas/nizari-progressive) [**Soarion** Summit Church · San Antonio · TX · 78259-1610 About 4.1 miles away](https://rateapi.dev/credit-unions/texas/soarion) [**Navy Federal Credit Union** Fox Run-San Antonio TX · San Antonio · TX · 78247 About 4.1 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union)

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

## Who Can Join Firstmark Credit Union

Membership eligibility from Firstmark Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) .

Membership criteria are published on Firstmark Credit Union's website. Check the membership page below to confirm whether you qualify.

- Location atascosa, bandera, bexar, blanco, caldwell, comal, crockett, edwards, gillespie, gonzales, guadalupe, hays, karnes, kendall, kerr, kimble, kinney, llano, mason, medina, maverick, sutton, terrell, val verde, wilson — TX
- Association Texas Consumer Council

Verified from [Firstmark Credit Union's membership page](https://www.firstmarkcu.org/membership-eligibility/) . Final membership determination is always made by the credit union.

## Membership rules for Firstmark Credit Union

Geography 25 counties · Associations

101 published paths to membership, last verified November 8, 2026, quoted from Firstmark Credit Union’s own published criteria.

### Geography 25

Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026

- Atascosa County, TX
- Bandera County, TX
- Bexar County, TX
- Blanco County, TX
- Caldwell County, TX
- Comal County, TX
- Crockett County, TX
- Edwards County, TX
- Gillespie County, TX
- Gonzales County, TX
- Guadalupe County, TX
- Hays County, TX
- Karnes County, TX
- Kendall County, TX
- Kerr County, TX
- Kimble County, TX
- Kinney County, TX
- Llano County, TX
- Mason County, TX
- Maverick County, TX
- Medina County, TX
- Sutton County, TX
- Terrell County, TX
- Val Verde County, TX

- Wilson County, TX

“You’re eligible for membership if you live, work, worship, or attend school in any of these counties: Atascosa, Bandera, Bexar, Blanco, Caldwell, Comal, Crockett, Edwards, Gillespie, Gonzales, Guadalupe, Hays, Karnes, Kendall, Kerr, Kimble, Kinney, Llano, Mason, Medina, Maverick, Sutton, Terrell,…”

> [source ↗](https://www.firstmarkcu.org/membership-eligibility/)

Show all 25 places

### Associations 1

Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026

  - Member of Texas Consumer Council
  - Lives in state:TX

“If you’re outside the above counties and you reside in the State of Texas, you can still join Firstmark during the application process through automatic enrollment with the Texas Consumer Council (TXCC) — TXCC enrollment is at no cost to you.”

> [source ↗](https://www.firstmarkcu.org/membership-eligibility/)

- Member of Texas Consumer Council and Lives in TX

Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union.

Is this right for Firstmark Credit Union? Yes No

## Work at Firstmark Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Firstmark Credit Union ranks against Texas peers.

- See which AI assistants fetched Firstmark Credit Union’s rates, and how often
- See which of your products the RateAPI API returned, and where you rank in Texas
- Correct anything we publish about you that is wrong

[Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=firstmark&state=texas&code=TX&name=Firstmark%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions)

## Frequently Asked Questions

### What rates does Firstmark Credit Union offer?

Firstmark Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website.

### How often are Firstmark Credit Union rates updated?

RateAPI verifies Firstmark Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026.

### Where does RateAPI get Firstmark Credit Union's rate data?

Rate data is collected directly from Firstmark Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

### What is Firstmark Credit Union's mortgage rate?

As of November 12, 2026, Firstmark Credit Union offers a 30-year fixed mortgage at 6.763% APR.

### What is Firstmark Credit Union's HELOC rate?

As of November 12, 2026, Firstmark Credit Union offers home equity lines of credit from 6.88% APR.

### What is Firstmark Credit Union's best CD rate?

As of November 12, 2026, Firstmark Credit Union offers savings and certificate (CD) yields up to 3.00% APY.

### Who can join Firstmark Credit Union?

Firstmark Credit Union publishes its membership criteria on its own website. RateAPI tracks 101 published membership paths covering 25 counties and 1 association for Firstmark Credit Union, each quoted from Firstmark Credit Union's own published membership criteria.

## Related Rate Data

Compare Firstmark Credit Union's rates against national credit-union benchmarks.

[More Texas credit unions](https://rateapi.dev/credit-unions/texas) [Texas mortgage rate leaders](https://rateapi.dev/mortgage-rates/texas) [Texas auto loan rate leaders](https://rateapi.dev/auto-loan-rates/texas) [Texas HELOC rate leaders](https://rateapi.dev/heloc-rates/texas) [Texas personal loan leaders](https://rateapi.dev/personal-loan-rates/texas) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology)

### Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

[View Original Source](https://www.firstmarkcu.org/)

### Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

[View Methodology](https://rateapi.dev/methodology)

## Track Firstmark Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move.

Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails)

## Use it via API

Access this data programmatically with our REST API

terminal

```
# Get rates for Firstmark Credit Union
curl "https://api.rateapi.dev/credit-unions/texas /firstmark " \
  -H "Authorization : Bearer YOUR_API_KEY"
```

[Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp)

Branch locator

## Firstmark Credit Union locations

Search, filter, and browse all 13 NCUA-reported locations.

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---

Source: https://rateapi.dev/credit-unions/texas/firstmark
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp