Firstmark Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Firstmark Credit Union's highest tracked CD (share certificate) rate is 3.85% APY on an 11-month promotional CD ($500 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.25% to 3.50% APY.
Tracking began .
Firstmark Credit Union CD & share certificate rates
Membership required. Share certificates from 6 months to 5 years, including 7- and 11-month promotions. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Youth CD Special | $100 | 3.25% | −1.15% | Top 58% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Regular CD | $500 | 3.25% | −1.15% | Top 58% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | Regular CD Promotional | $500 | 3.60% | −0.83% | Verified October 22, 2026 |
| 11 months | Regular CD Promotional | $500 | 3.85% | −0.69% | Verified October 22, 2026 |
| 12 months | Youth CD Special | $100 | 3.50% | −1.07% | Top 58% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Regular CD | $500 | 3.50% | −1.07% | Top 58% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Flex CD | $250 | 3.35% | −1.22% | Top 63% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Regular CD | $500 | 3.45% | −1.27% | Top 55% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Regular CD | $500 | 3.30% | −1.57% | Top 56% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Regular CD | $500 | 3.35% | −1.60% | Top 45% of tracked 36-month CDs · Verified October 22, 2026 |
| 60 months | Regular CD | $500 | 3.40% | −1.61% | Top 45% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.85% APY (11 months). The standard rate for a similar term is 3.50% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $35 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Firstmark Credit Union's best CD rates by term?
Firstmark Credit Union's best rate is 3.85% APY on 11 months, verified October 22, 2026.
- 6 mo3.25%
- 7 mo3.60%
- 11 mo3.85%
- 12 mo3.50%
- 18 mo3.45%
- 24 mo3.30%
- 36 mo3.35%
- 60 mo3.40%
How much interest could a Firstmark Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$352.80 interest · $10,352.80 at maturity on $10,000.00.
3.85% APY · 11 months · Regular CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $80.823.25% APY · Youth CD · Special | $161.653.25% APY · Youth CD · Special | $404.113.25% APY · Youth CD · Special | $808.233.25% APY · Youth CD · Special |
| 7 months | $104.273.60% APY · Regular CD · Promotional | $208.533.60% APY · Regular CD · Promotional | $521.333.60% APY · Regular CD · Promotional | $1,042.673.60% APY · Regular CD · Promotional |
| 11 months | $176.403.85% APY · Regular CD · Promotional | $352.803.85% APY · Regular CD · Promotional | $882.013.85% APY · Regular CD · Promotional | $1,764.023.85% APY · Regular CD · Promotional |
| 12 months | $175.003.50% APY · Youth CD · Special | $350.003.50% APY · Youth CD · Special | $875.003.50% APY · Youth CD · Special | $1,750.003.50% APY · Youth CD · Special |
| 18 months | $261.213.45% APY · Regular CD · Standard | $522.433.45% APY · Regular CD · Standard | $1,306.073.45% APY · Regular CD · Standard | $2,612.133.45% APY · Regular CD · Standard |
| 24 months | $335.443.30% APY · Regular CD · Standard | $670.893.30% APY · Regular CD · Standard | $1,677.223.30% APY · Regular CD · Standard | $3,354.453.30% APY · Regular CD · Standard |
| 36 months | $519.523.35% APY · Regular CD · Standard | $1,039.043.35% APY · Regular CD · Standard | $2,597.613.35% APY · Regular CD · Standard | $5,195.223.35% APY · Regular CD · Standard |
| 60 months | $909.803.40% APY · Regular CD · Standard | $1,819.603.40% APY · Regular CD · Standard | $4,548.993.40% APY · Regular CD · Standard | $9,097.993.40% APY · Regular CD · Standard |
How Firstmark Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 32 of 55 tracked institutions with fresh 335-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Firstmark Credit Union (this institution)Regular CD · Promotional | 11 months | $500 | Membership required · branches in TX | 3.85% | October 22, 2026 |
| Capital OneSpecial 11-month 360 CD · Promotional | 11 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Wells Fargo11 month Special Fixed Rate CD - Relationship · Relationship | 11 months | $5,000 | Dallas, TX · ZIP 75201 | 4.25% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 11 months | $2,500 | Available nationwide | 4.10% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Branches in CA, UT | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Firstmark Credit Union on October 22, 2026.
About Firstmark Credit Union
- Legal name
- Firstmark Credit Union
- Regulator ID
- NCUA 62509
- Headquarters
- San Antonio, TX
- Available in
- TX
- Total assets
- $1.3 billion
- Also known as
- Website
- www.firstmarkcu.org
Source: rates read from https://www.firstmarkcu.org/current-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Firstmark Credit Union?
Among the rates we track, 3.85% APY on an 11-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Firstmark Credit Union CD?
The lowest minimum we found is $100; jumbo and higher balance tiers start at up to $500.
How does Firstmark Credit Union's best CD rate compare with Treasury yields?
3.85% APY is −0.69% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.85% a good CD rate?
It is 2.2 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Firstmark Credit Union CDs insured?
Firstmark Credit Union is a federally insured credit union (NCUA 62509). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Firstmark Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Firstmark Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Firstmark Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Firstmark Credit Union before opening an account. This page is not financial advice.