Firstmark Credit Union

P.O. Box 701650
San Antonio, TX 782701650
(800) 683-1211
www.firstmarkcu.org

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Firstmark Credit Union is headquartered in SAN ANTONIO and is the 21^st largest credit union in the state of Texas. It is also the 277^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 250 employees and 90,916 members. Firstmark Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Firstmark Credit Union Routing Number: 314088556

Top 5-Year CD Rates at Firstmark Credit Union in San Antonio - Easy Membership - 9/22/2011

Firstmark Credit Union is offering very competitive rates on its 5-year CD. The credit union provides three rate tiers: Jumbo CDs with $100K minimum deposit, Super CDs with a $50K minimum and Regular ...

High CD Rates and a Money Market Account Bonus at Firstmark CU in Texas - Easy Membership - 1/26/2009

Update 2/12/09: The CD rates have fallen. Please check the credit union's website for the latest rates.Firstmark Credit Union is offering several competitive certificate rates. The best is a promotional 8-month CD with rates of 3.20% APY for a $500...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Firstmark Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	Premier Cash Back Checking
0.15%	-	-	Business Plus Checking
0.15%	-	-	Organization Checking
0.10%	-	-	Free Cash Back Checking

Firstmark Credit Union Savings Account Rates

Apy	Min	Max	Product
1.00%	$15k	-	Health Savings Account
0.50%	-	-	Holiday Club Savings Account
0.50%	-	-	Summer Savers Club Account
0.40%	$50k	-	Business Savings Share Account
0.25%	-	-	Smart Savings Share Account
0.25%	-	-	IRA Share Account
0.25%	-	-	Roth IRA Share Account
0.25%	-	-	Educational IRA Share Account

Firstmark Credit Union Money Market Rates

Apy	Min	Max	Product
0.60%	$250k	-	Consumer Super Money Market
0.60%	$250k	-	Commercial Super Money Market
0.45%	$75k	-	Consumer Money Market Checking
0.45%	$75k	-	Commercial Money Market Checking

Firstmark Credit Union CD Rates

Apy	Min	Max	Product
1.90%	$100k	-	5 Year Jumbo CD
1.85%	$50k	-	5 Year Super CD
1.80%	$500	-	5 Year Regular CD
1.70%	$100k	-	5 Year Step-Up Jumbo CD Special
1.65%	$50k	-	5 Year Step-Up Super CD Special
1.60%	$500	-	5 Year Step-Up CD Special
1.30%	$100k	-	3 Year Jumbo CD
1.25%	$50k	-	3 Year Super CD
1.20%	$500	-	3 Year Regular CD
1.05%	$100k	-	2 Year Jumbo CD
0.91%	$50k	-	2 Year Super CD
0.85%	$500	-	2 Year Regular CD
0.85%	$100k	-	18 Month Jumbo CD
0.80%	$50k	-	18 Month Super CD
0.75%	$100k	-	18 Month Step-Up Jumbo CD Special (Opened on or after 11/1/2005)
0.75%	$100k	-	18 Month Step-Up Jumbo CD Special (Opened prior to 11/1/2005)
0.71%	$500	-	18 Month Regular CD
0.70%	$100k	-	1 Year Jumbo CD
0.65%	$50k	-	1 Year Super CD
0.65%	$50k	-	18 Month Step-Up Super CD Special (Opened on or after 11/1/2005)
0.65%	$50k	-	18 Month Step-Up Super CD Special (Opened prior to 11/1/2005)
0.60%	$500	-	1 Year Regular CD
0.59%	$100k	-	6 Month Jumbo CD
0.55%	$250	-	1 Year FLEX CD
0.55%	$50k	-	6 Month Super CD
0.55%	$500	-	18 Month Step-Up CD Special (Opened prior to 11/1/2005)
0.55%	$500	-	18 Month Step-Up CD Special (Opened on or after 11/1/2005)
0.50%	$100	-	1 Year Youth CD
0.49%	$500	-	6 Month Regular CD
0.45%	$100k	-	3 Month Jumbo CD
0.44%	$100	-	6 Month Youth CD
0.35%	$50k	-	3 Month Super CD
0.30%	$500	-	3 Month Regular CD

Firstmark Credit Union IRA Rates

Apy	Min	Max	Product
1.90%	$100k	-	5 Year Jumbo IRA CD
1.90%	$100k	-	5 Year Jumbo Roth IRA CD
1.90%	$100k	-	5 Year Jumbo Educational IRA CD
1.85%	$50k	-	5 Year Super IRA CD
1.85%	$50k	-	5 Year Super Roth IRA CD
1.85%	$50k	-	5 Year Super Educational IRA CD
1.80%	$500	-	5 Year Regular IRA CD
1.80%	$500	-	5 Year Regular Roth IRA CD
1.80%	$500	-	5 Year Regular Educational IRA CD
1.30%	$100k	-	3 Year Jumbo IRA CD
1.30%	$100k	-	3 Year Jumbo Roth IRA CD
1.30%	$100k	-	3 Year Jumbo Educational IRA CD
1.25%	$50k	-	3 Year Super IRA CD
1.25%	$50k	-	3 Year Super Roth IRA CD
1.25%	$50k	-	3 Year Super Educational IRA CD
1.20%	$500	-	3 Year Regular IRA CD
1.20%	$500	-	3 Year Regular Roth IRA CD
1.20%	$500	-	3 Year Regular Educational IRA CD
1.05%	$100k	-	2 Year Jumbo IRA CD
1.05%	$100k	-	2 Year Jumbo Roth IRA CD
1.05%	$100k	-	2 Year Jumbo Educational IRA CD
0.91%	$50k	-	2 Year Super IRA CD
0.91%	$50k	-	2 Year Super Roth IRA CD
0.91%	$50k	-	2 Year Super Educational IRA CD
0.85%	$100k	-	18 Month Jumbo IRA CD
0.85%	$500	-	2 Year Regular IRA CD
0.85%	$100k	-	18 Month Jumbo Roth IRA CD
0.85%	$500	-	2 Year Regular Roth IRA CD
0.85%	$100k	-	18 Month Jumbo Educational IRA CD
0.85%	$500	-	2 Year Regular Educational IRA CD
0.80%	$50k	-	18 Month Super IRA CD
0.80%	$50k	-	18 Month Super Roth IRA CD
0.80%	$50k	-	18 Month Super Educational IRA CD
0.71%	$500	-	18 Month Regular IRA CD
0.71%	$500	-	18 Month Regular Roth IRA CD
0.71%	$500	-	18 Month Regular Educational IRA CD
0.70%	$100k	-	1 Year Jumbo IRA CD
0.70%	$100k	-	1 Year Jumbo Roth IRA CD
0.70%	$100k	-	1 Year Jumbo Educational IRA CD
0.65%	$50k	-	1 Year Super IRA CD
0.65%	$50k	-	1 Year Super Roth IRA CD
0.65%	$50k	-	1 Year Super Educational IRA CD
0.60%	$500	-	1 Year Regular IRA CD
0.60%	$500	-	1 Year Regular Roth IRA CD
0.60%	$500	-	1 Year Regular Educational IRA CD
0.59%	$100k	-	6 Month Jumbo IRA CD
0.59%	$100k	-	6 Month Jumbo Roth IRA CD
0.59%	$100k	-	6 Month Jumbo Educational IRA CD
0.55%	$50k	-	6 Month Super IRA CD
0.55%	$50k	-	6 Month Super Roth IRA CD
0.55%	$50k	-	6 Month Super Educational IRA CD
0.50%	$100	-	1 Year Youth IRA CD
0.50%	$100	-	1 Year Youth Roth IRA CD
0.50%	$100	-	1 Year Youth Educational IRA CD
0.49%	$500	-	6 Month Regular IRA CD
0.49%	$500	-	6 Month Regular Roth IRA CD
0.49%	$500	-	6 Month Regular Educational IRA CD
0.45%	$100k	-	3 Month Jumbo IRA CD
0.45%	$100k	-	3 Month Jumbo Roth IRA CD
0.45%	$100k	-	3 Month Jumbo Educational IRA CD
0.44%	$100	-	6 Month Youth IRA CD
0.44%	$100	-	6 Month Youth Roth IRA CD
0.44%	$100	-	6 Month Youth Educational IRA CD
0.35%	$50k	-	3 Month Super IRA CD
0.35%	$50k	-	3 Month Super Roth IRA CD
0.35%	$50k	-	3 Month Super Educational IRA CD
0.30%	$500	-	3 Month Regular IRA CD
0.30%	$500	-	3 Month Regular Roth IRA CD
0.30%	$500	-	3 Month Regular Educational IRA CD

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

FIRSTMARK
NCUA #	62509
BankRate Report	View
Year Chartered	1932
Employees	250
Primary Regulator
Assets and Liabilities
Assets	$723.11 million
Loans	$477.97 million
Deposits	$652.20 million
Equity Capital	$60.25 million
Loan Loss Allowance	$4.89 million
Unbacked Noncurrent Loans	$6.38 million
Real Estate Owned	$2.87 million
Historic Data - December 2010
Assets	$687.96 million
Equity Capital	$57.59 million
Loan Loss Allowance	$6.17 million
Unbacked Noncurrent Loans	$10.35 million
Real Estate Owned	$629,000
Profit Margin - Quarterly
Net Interest Margin	5.6%
Return on Assets	0.3%
Return on Equity	3.61%
Interest Income	$30.84 million
Non-Interest Income	$12.14 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Firstmark Credit Union had $9.24 million in non-current loans and owned real-estate with $65.13 million in equity and loan loss allowances on hand to cover it. This gives Firstmark Credit Union a Texas Ratio of 14.19% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Firstmark Credit Union decreased slightly from 17.23% as of December 31, 2010 to 14.19% as of December 31, 2011, resulting in a positive change of 17.60%.This indicates that the balance sheet and financial strength for Firstmark Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Firstmark Credit Union has increased its total deposits by $31.08 million, resulting in 5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Firstmark Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Firstmark Credit Union has $723.11 million in assets with $65.13 million in equity, resulting in a capitalization level of 9.01%, which is average.