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# Fraud & Identity Theft
Firstmark Credit Union values your identity, and as such, we will NEVER ask you via phone or email for your account number or password. If you ever receive a call where this information is requested, DO NOT provide your account information.
## Do You Think You Were Scammed?
* Call us at (210) 442-0100
* Call the FTC at +1 (877) ID-THEFT (438-4338)
* BBB Scam Tracker: 
* Local Law Enforcement
!
### Email / Text Alerts
In the event fraud is detected, an email and a text from a dedicated number will be sent to the email address and phone number we have for you on file. If the flagged transaction is legitimate, you will then have the option to validate; however, if you indicate the charge is fraudulent, we will decline the transaction.
**NOTE:** If both the email and text message go unanswered, an interactive digital call will go to the phone number on file.
#### General Information
##### Cyber
* **Spoofing** | A tactic where someone impersonates another person or company to get your personal information, such as through email or websites –  
* **Smishing** | A type of cybercrime that uses deceptive tactics conveyed in text messages to manipulate you into sharing personal information – 
* **Tech Support** | Scammers will pose as technical support via phone calls or security pop-up messages to gain access to your computer or persuade you to paying them – 
##### Fraud
* **Money Mule** | A money mule is somebody who assists in moving illegally obtained money on behalf of someone else (recruited by criminals to assist in laundering funds), and they do so through channels such as social media, dating sites, and job boards, and more.
  + **Investment Scams** | A money mule scam where they promise you’ll earn a lot of money or receive a large return on investments, such as Crypto, Ponzi Scheme, and more, with little to no risk – 
  + **Romance Scams** | Money mule scammers use a fake online identity to earn your trust and manipulate you to gain access to your money – 
  + **Remote Deposit Scams** | Another money mule scam where they gain access to your accounts through social engineering tactics and deposit fraudulent checks through remote deposit.
* **Identity Theft** | When a criminal uses your personal or financial information without your authorization. There are various methods they can steal your identity:
  + Stolen wallet or purse
  + Obtaining sensitive information from either the trash or through stolen mail
  + Skimming devices planted at ATM or card machines
  + Phishing emails, texts, or phone calls
  + Social media platforms
**Five (5) Tips to Protect Yourself from Identity Theft**
1. Use strong passwords
2. Do not give out personal information (a financial institution already has your information)
3. Limit oversharing on social networks
4. Store important financial records safely
5. Shred old statements, unused personal checks, invoices, and financial information
#### Detecting Fraud
##### How to Detect a Scam or Fraudulent Activity
***Scammers pretend to be from a trusted organization you are familiar with…***
They may pretend to be contacting you from a local or federal law enforcement agency, Social Security Office, Internal Revenue Service (IRS); some may even pose as a company you are familiar with such as your financial institution, technology company, or even a public utility company. They may spoof the number so that it appears to be coming from the actual organization they are posing as.
***They will say there is a problem with your service, personal information, etc…***
Scammers may attempt to persuade you that you or someone in your family is in legal trouble and owe money. They may also state there’s a problem with your computer or personal accounts and will ask for your login credentials.
***Scammers will apply pressure…***
These individuals may be impatient and want you to act quickly to not realize what is going on. They may threaten to arrest or sue you, advise you to not disconnect the call, and provide a time limit for you to complete their requests.
***Forms of Payment…***
Scammers will often state they only accept payment in specific forms. Some of these include (not limited to): cryptocurrency, wiring money, person to person (P2P), purchasing gift cards, or asking you for your personal banking information.
##### How Do I Protect Myself from Scams?
***Do not give out your personal or banking information…***
Firstmark will never use a phone call, email, or text to ask for confidential information, such as usernames, passwords, one-time passcodes, or other personal information like account or Social Security numbers.
***Protect your information by doing the following…***
If you feel you have been a victim of identity theft, place a fraud alert, contact , update your files, close your account if you believe it’s been tampered with, or file a complaint at .
***Do not act quickly and take the time to review the communication…***
Legitimate organizations will allow you time to make a decision and provide you with the opportunity to disconnect and call the main number to ask for the same representative.
***Confirm with someone you trust or the organization they claim to be…***
Before acting, talk to someone you can count on and run the situation by them, or hang up and reach out to the organization who is claiming to be calling you.
#### Fraud Alerts
#### Identity Theft
##### Resources:
[**Protect Your Firstmark Credit Union VISA®**
Register for a Verified by VISA®
**Free Credit Report**(annually):
**Credit Reporting Companies**
(800) 525-6285
P.O. Box 740241
Atlanta, GA 30374-0241
(888) 397-3742
P.O. Box 9532
Allen, TX 75013
(800) 680-7289
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
* (210) 442-0100
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### Let's Get Started
##### **Needed Items**
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiaries:
* Social Security Number
* Date of Birth
* Current Address
* Phone Number
* Email Address
* Valid ID
* Initial Deposit Amount (ACH or Credit Card)
Choose one of the following:
**Needed Items**
To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
* Requested Loan Amount
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# Auto Loans
## Drive Away with an Affordable Monthly Payment!
Let us finance your next new or used vehicle! Our auto loan experts in San Antonio and beyond will steer you through the entire process. Whether you’re buying from the dealership or from a private seller, seal the deal with confidence knowing you’re getting a great loan from Firstmark!
### Get Started with our Hassle-Free Auto Loan Application
* Rates as low as 6.24% APR¹
* No payment for 60 days
* Easy to apply and sign online
* Compare auto loans using this CFPB Auto Loan Shopping Sheet
* **Educators and military personnel get an additional .25% rate reduction**
## Calculate Your Payment
Use this calculator to compute the payment amount2 by adjusting the amount, rate, and terms.
Amount: (Principal Balance)Rate: (Total Interest Payments)Months: (Term of Loan)
per monthApply Now!
1. APR is Annual Percentage Rate. Rates accurate as of 01/25/2025. Floor rate on auto loans is 6.24% APR. Subject to normal credit, underwriting and collateral value guidelines. Rates and terms are subject to change without prior notice. Interest will accrue during the deferment period for the 60-day no payment option. Other restrictions may apply. This offer does not apply to existing Firstmark vehicle loans. Vehicle means auto, light trucks, boats, motorcycles, and RVs. For example, on a $10,000 loan at 6.24% for 66 months, you will make 66 payments of approximately $179.
2. The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.
### Will I save money by taking advantage of 0% financing?
Try out our  to see how you can save!
### Unlock a Lower Rate
With a **Power of the Dollar® MAX** or **Power of the Dollar® *Plus*** checking account, you can **lower your auto loan rate by .50%**. Learn how you can expand your buying and saving power with these checking accounts!
### Are You Ready to Look for Your Next Car or Truck?
The **Firstmark AutoSMART Center** helps you search, shop, and finance for a stress-free car-buying experience.
* Build a new car
* Research new cars
* Find the car you can afford
* Access our Preferred Dealer Network to find a local auto dealer near you
* Read reviews and compare prices
* Find the value of your Trade-In using NADA
### Buying Your Next Car Just Got Easier with Carvana and Firstmark!
You can apply for financing, browse, buy, and even sign contracts from your couch. Enjoy **hassle-free delivery** of your vehicle straight to your door.
* Get pre-approved with Firstmark Credit Union financing
* Shopping online is fast and convenient
* Get free next-day delivery or pickup
* Guaranteed 7-day return policy
# Personal Loans
### Do Something Special!
Don’t let interest rates rise with the tide! Take advantage of our great savings and lock in interest rates as low as 10.49%APR1 for up to 24 months!
* Family vacation
* Education expenses
* Vehicle repairs
* Home repairs
* Medical expenses
* Weddings
* Debt consolidation
With our personal loans, no collateral is required and no payments are needed for the first 45 days. We allow customers to borrow as little as $2,000, and as much as $50,000 for their loan. To apply, you can sign for your personal loan online, visit any of our financial center locations, or give us a call at (210) 442-0199.
1. APR is Annual Percentage Rate. Rates accurate as of 01/25/2025. Rates as low as 10.49% APR and as high as 18% APR and are subject to change without prior notice. Terms range from 12 to 60 months. The minimum dollar amount for 60 months is $10,000. Other restrictions may apply. For example, on a $10,000 loan at 10.49% for 12 months, you will make 12 payments of approximately $862.
With a **Power of the Dollar® MAX** or **Power of the Dollar® *Plus*** checking account, you can **lower your personal loan rate by .50%**. Learn how you can expand your buying and saving power with these checking accounts!
### How do Personal Loans work?
Personal loans offer members the ability to finance big purchases and pay back the money given over time with set monthly payments. These types of loans have fixed interest rates and do not require collateral. Most members will apply for a personal loan to cover the cost of a vacation, some home repairs, medical expenses, or to consolidate debt.
### Why Firstmark?
We offer no payments for 45 days, great rates, and an easy process that includes same-day approval, which provides peace of mind for our members. When you are financing a personal loan through Firstmark, you are receiving personalized service with experienced lending experts who are knowledgeable of the marketplace and in your corner committed to guiding you every step of the way.