Detected in the CFPB-filed cardholder agreements from Firstmark Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Penalty APR
Slip up and your rate can jump to a much higher penalty APR.
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“…The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant…”
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered5.99%
Median5.99%
Highest offered5.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered15.25%
Median16.25%
Highest offered18%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases
Rewards, benefits and features
Rewards
Cashback rewards
Travel-related rewards
Services
Access to Free Credit Scores
Features
Contactless Payments
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityOne State/Territory
StatesTX
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementProfessional Affiliation
Geographic: Members qualify through living, working, worshiping, and or doing business within specified counties
Affiliation: Members are qualified by affiliating with The Texas Consumer Council if they are outside specified counties but within Texas
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 16.25%$487.50
Annual / periodic fees$0
Total yearly cost$487.50
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.
Cardholder agreements
6 documents filed by Firstmark Credit Union in the 2026 Q1 archive.