Smart Financial Credit Union

Headquarters

Po Box 920719
Houston, TX 77292
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.15%	5.50% →
1-Year CD	0.50%	4.65% →
2-Year CD	0.60%	4.25% →
5-Year CD	0.75%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

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 - December 22, 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	Learn More Reviews
Money Market	0.25%	$2,500	$2,999	Learn More Reviews
Money Market	0.30%	$10,000	$14,999	Learn More Reviews
Money Market	0.35%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.25%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.35%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.40%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.55%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.65%	$100,000	$199,999	Learn More Reviews
48 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
48 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
60 Mo CD	0.65%	$10,000	$14,999	Learn More Reviews
60 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews

Variable IRA Rates	APY	MIN	MAX
Var IRA	0.30%	$1	$499	Learn MoreShow Less

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.05%	$1	$99	Learn MoreShow Less
Int Ckg	0.10%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - December 22, 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	6.494%	6.375%	0.75	$4,000	$1,997	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More
NMLS ID: 3029						Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

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
Westchase	205.46	A	View Lobby Hours
Alexandria	781.74	B	View Lobby Hours
Lake Charles	864.44	C	View Lobby Hours
Beaumont	902.02	D	View Lobby Hours
Port Arthur	904.23	E	View Lobby Hours
Conroe	939.01	F	View Lobby Hours
Kingwood	943.39	G	View Lobby Hours
Rayford	946.61	H	View Lobby Hours
FM 2920	951.62	I	View Lobby Hours
FM 1960	952.17	J	View Lobby Hours
Northloop	962.91	K	View Lobby Hours
St. Joseph	963.17	L	View Lobby Hours
Nasa Road One	963.35	M	View Lobby Hours
Wayside	964.02	N	View Lobby Hours
Lamar	965.73	O	View Lobby Hours
Bingle	966.03	P	View Lobby Hours
VA Medical Center	966.43	Q	View Lobby Hours
Newcastle Branch	967.25	R	View Lobby Hours
Main Office	972.20	S	View Lobby Hours
Pearland	973.33	T	View Lobby Hours
Sugar Land	978.19	U	View Lobby Hours
Missouri City	979.41	V	View Lobby Hours
Stafford	1019.22	W	View Lobby Hours

View Branches Nationwide →

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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