Credit union · NCUA insured
Firstmark Credit Union CD Rates
Firstmark Credit Union’s best CD rate is 3.85% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Firstmark Credit Union’s CD rates compare
Compared with banks and credit unions near San Antonio, TX, where Firstmark Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Firstmark Credit Union
3.85%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $352
Regular CDs
Top rate
BCU
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Firstmark Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.40%
- QualifiedQualified3.85%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Firstmark Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular CDs
Up to 3.85%APY · 8 terms
Must have an S1 savings account with a minimum of $5. Minimum opening deposit is $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded monthly. Early withdrawal penalty applies | 3.25% | $161 |
| 7 monthsPromotional rate certificate. Compounded monthly. No additional deposits allowed after opening. At maturity, automatically renews into a 12-month CD at current rates with a 10-day grace period | 3.60% | $208 |
| 11 monthsLimited-time promotional rate certificate. Compounded monthly. No additional deposits allowed after opening. At maturity, automatically renews into a 12-month CD at current rates with a 10-day grace period | 3.85% | $352 |
| 12 monthsCompounded monthly. Early withdrawal penalty applies | 3.50% | $350 |
| 18 monthsCompounded monthly. Early withdrawal penalty applies | 3.45% | $522 |
| 24 monthsCompounded monthly. Early withdrawal penalty applies | 3.30% | $671 |
| 36 monthsCompounded monthly. Early withdrawal penalty applies | 3.35% | $1,039 |
| 60 monthsCompounded monthly. Early withdrawal penalty applies | 3.40% | $1,820 |
Sources (4)
- firstmarkcu.org/certificate-of-deposit
- firstmarkcu.org/current-rates
- firstmarkcu.org/deposit-rates
- firstmarkcu.org/regular-cd-500
All captured Oct 6, 2026
Flex CDs
3.35%APY · 1 term
Must have an S1 savings account with a minimum of $5. Minimum amount to open and maintain is $250. Unlimited deposits allowed. Two penalty-free withdrawals permitted during the 12-month term maintaining $250 balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded monthly. Must maintain $250 minimum balance. Two penalty-free withdrawals allowed per 12-month term; penalty of 90 days dividends for excessive early withdrawals. Automatically renews for same term at current Flex CD rate | 3.35% | $335 |
Sources (3)
- firstmarkcu.org/current-rates
- firstmarkcu.org/deposit-rates
- firstmarkcu.org/flex-certificate-of-deposit
All captured Oct 6, 2026
Special-purpose accounts
Individual Retirement Account (IRA) CDs
Up to 3.50%APY · 5 terms
Available in Traditional, Educational, or Roth IRA wrappers. Minimum opening deposit is $500. Early withdrawal penalties apply before age 59 1/2.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounded monthly. Penalties apply for early withdrawal or withdrawal before age 59 1/2 | 3.50% | $350 |
| 18 monthsCompounded monthly. Penalties apply for early withdrawal or withdrawal before age 59 1/2 | 3.45% | $522 |
| 24 monthsCompounded monthly. Penalties apply for early withdrawal or withdrawal before age 59 1/2 | 3.30% | $671 |
| 36 monthsCompounded monthly. Penalties apply for early withdrawal or withdrawal before age 59 1/2 | 3.35% | $1,039 |
| 60 monthsCompounded monthly. Penalties apply for early withdrawal or withdrawal before age 59 1/2 | 3.40% | $1,820 |
Sources (3)
All captured Oct 6, 2026
Youth CDs
Up to 3.50%APY · 2 terms
Only available to youth members (ages 17 and younger). Minimum opening balance is $100.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOnly available to youth members (ages 17 and younger). Compounded monthly. Early withdrawal penalties apply | 3.25% | $161 |
| 12 monthsOnly available to youth members (ages 17 and younger). Compounded monthly. Early withdrawal penalties apply | 3.50% | $350 |
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.