Credit union · NCUA insured
Firstmark Credit Union Auto Loan Rates
Firstmark Credit Union auto loans start at 5.59% APR for a new vehicle and 5.59% for a used one. Rates checked October 16, 2026.
How Firstmark Credit Union’s auto loan rates compare
Compared with banks and credit unions near San Antonio, TX, where Firstmark Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Firstmark Credit Union
5.24%APR
- Terms
- up to 66 months
- Discount
- Included in the rate
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Baptist Credit Union
4.24%APR
- Terms
- —
- Discount
- None included
Firstmark Credit Union auto loan score
71
Auto loan score
Higher than 29% of U.S. banks and credit unions
- New vehicleNew5.59%
- Used vehicleUsed5.59%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Firstmark Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinance
Standard refinance rate as low as 5.24% APR accurate as of 10/16/2026. Rate includes 0.50% discount for Power of the Dollar MAX checking account holders; 0.25% discount available for education and military members. Floor rate 4.99% APR. Does not apply to existing Firstmark vehicle loans. Interest will accrue during 60-day deferment period. Title secured loans up to 66 months have an additional 2% added to qualifying APR.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.24% | Standard refinance rate as low as 5.24% APR. Includes 0.50% discount for Power of the Dollar MAX checking account holders; 0.25% discount available for education and military members. Floor rate 4.99% APR. |
Sources (1)
- firstmarkcu.org/auto-loan-refinance · captured Oct 16, 2026
Auto Loans
Rates as low as stated include a 0.50% discount for Power of the Dollar MAX checking account holders (APR will increase by 0.50% without it). Educators and military personnel eligible for an additional 0.25% rate reduction. Floor rate is 4.99% APR. An additional 2% added to qualifying APR for title secured loans up to 66 months. 60-day no payment option available. Offer does not apply to existing Firstmark vehicle loans. Credit union membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.24% | Rate includes 0.50% discount for Power of the Dollar MAX checking account holders. |
| up to 48 months | 5.24% | Rate includes 0.50% discount for Power of the Dollar MAX checking account holders. |
| up to 66 months | 5.24% | Rate includes 0.50% discount for Power of the Dollar MAX checking account holders. $10,000 minimum loan amount. |
| 67–75 months | 5.59% | Rate includes 0.50% discount for Power of the Dollar MAX checking account holders. Minimum loan amount is $15,000 (stated as $20,000 on p46). |
| 76–84 months | 6.59% | Rate includes 0.50% discount for Power of the Dollar MAX checking account holders. $25,000 minimum loan amount. |
Sources (4)
- firstmarkcu.org/current-rates
- firstmarkcu.org/loan-rates
- firstmarkcu.org/new-and-used-auto-rates
- firstmarkcu.org/auto
All captured Oct 16, 2026
Who can join Firstmark Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in designated Texas counties are eligible for membership.
Employers and groups
- Texas residents outside the designated counties can join through automatic complimentary enrollment with the Texas Consumer Council (TXCC).
Membership information collected October 5, 2026.