Smart Financial Credit Union
Headquarters
Po Box 920719
Houston, TX 77292
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2024 Overview
General Credit Union Information
Smart Financial is an NCUA insured institution located in Houston, TX. It was founded in 1934 and has approximately $852.78 millions in assets.
Who can join?
If you live, work, or attend school in Fort Bend, Harris or Montgomery Counties, Texas, you are eligible for membership. Businesses located in these counties are eligible as well.
Employment Eligibility
If you work in the Medical Industry in Brazoria, Galveston, Chambers, Jefferson and Orange Counties, Texas and Calcasieu and Rapids Parishes, Lousiana or an employee of the Select Employee Groups, you may become a member of Smart Financial Credit Union.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 67927 |
| Date Established | 1934 |
| Assets | $852.78 million |
| Loans | $533.78 million |
| Deposits | $699.44 million |
| Capital | $84.30 million |
Field of Membership Restrictions
Smart Financial Credit Union of Illinois is open to the resident, registered students, business owners and their employees, along with the people that maintain alternate forms of employment within these qualified counties that the credit union serves: Brazoria, Fort Bend, Harris, and Montgomery, along with anyone employed in the healthcare industry; including the healthcare employees, and medical professionals within these qualified counties of Texas: Chambers, Galveston,Jefferson; and Orange, along with these qualified Louisiana locations, Calcasieu, and Rapides Parrish.
Deposit Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.15% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.30% | $10,000 | $14,999 |
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|
|
Money Market
|
0.35% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.30% | $1 | $499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - November 4, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Smart Financial
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Smart Financial
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Smart Financial branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Smart Financial Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 205.46 | A | View Lobby Hours | |
| 781.74 | B | View Lobby Hours | |
| 864.44 | C | View Lobby Hours | |
| 902.02 | D | View Lobby Hours | |
| 904.23 | E | View Lobby Hours | |
| 939.01 | F | View Lobby Hours | |
| 943.39 | G | View Lobby Hours | |
| 946.61 | H | View Lobby Hours | |
| 951.62 | I | View Lobby Hours | |
| 952.17 | J | View Lobby Hours | |
| 962.91 | K | View Lobby Hours | |
| 963.17 | L | View Lobby Hours | |
| 963.35 | M | View Lobby Hours | |
| 964.02 | N | View Lobby Hours | |
| 965.73 | O | View Lobby Hours | |
| 966.03 | P | View Lobby Hours | |
| 966.43 | Q | View Lobby Hours | |
| 967.25 | R | View Lobby Hours | |
| 972.20 | S | View Lobby Hours | |
| 973.33 | T | View Lobby Hours | |
| 978.19 | U | View Lobby Hours | |
| 979.41 | V | View Lobby Hours | |
| 1019.22 | W | View Lobby Hours |
Climate Policy and Initiatives
SMART FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Smart Financial Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Smart Financial. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Smart Financial | U.S. Average |
|---|---|
| 5.77% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Smart Financial had $1,384,633 in non-current loans and $3,601,416 in owned assets. To cover these potential losses it had $84,295,498 in net worth and $2,102,577 in loans loss reserves. That gives it a Texas Ratio of 5.77%.
Net Worth
| Smart Financial | U.S. Average |
|---|---|
| 9.86% | 13.93% |
Smart Financial FCU has a net worth of 9.86% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Smart Financial
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