Smart Financial Credit Union

Smart Financial Credit Union share savings rates, certificate (CD) rates, and money market rates are listed below. You can also see mortgage rates offered by Smart Financial. Smart Financial is based in Houston, TX, and has 76,207 current members. There are 13 branch locations and 22 ATM locations for Smart Financial. You can also see a list of services, credit card rates, auto loan rates and payday loan rates offered by Smart Financial Credit Union. View Information.
Capitalization Rating
Smart Financial Credit Union
Well Capitalized
as of 2018-09-30

Smart Financial Credit Union Contact Information

Credit Union Name: Smart Financial Credit Union
Current Members: 76,207
Potential Members: 6,351,199
Full Time Employees: 192
Part Time Employees: 6
President: Chad G Greer
CEO: LeAnn Kaczynski
Branch Locations: 13
ATM Locations: 22
Corporate Office Address:
6151 N Course Dr
Houston, TX 77072-1667
Phone Number: (713) 850-1600
Fax Number:

Smart Financial Credit Union Services Offered

Indirect Lending: No
Business Share Accounts: No
Health Savings Accounts: No
Individual Development Accounts: No
No Cost Share Drafts: Yes
Share Certificates with Low Minimum Balance Requirements: No
Participation Loans: No
Financial Counseling: Yes
Financial Education: Yes
Financial Literacy Workshops: No
First Time Homebuyer Program: No
In-School Branches: No
Real Estate Loans: No
Bilingual Services: Yes
No Cost Bill Payer: Yes
No Cost Tax Prep. Services: No
Student Scholarships: No
Member Business Loans: No
Credit Builder: No
Indirect Business Loans: No
Indirect Mortgage Loans: No
Micro Business Loans: No
Micro Consumer Loans: No
Pay Day Lending: No
Refund Anticipation Loans: No
Share Secured Credit Cards: No
Payday Alternative Loans (PAL loans) (FCU Only): No
Risk Based Loans: No
Direct Financing Leases: No
Mortgage Processing: Yes
Approved Mortgage Seller: Yes
Debt Cancellation/Suspension Program: No
Borrowing Repurchase Agreements: No
Investment Pilot Program: No
Investment not authorized by the FCU Act (SCU ONLY): No
Deposits and Shares Meeting 703.10(a): No
Brokered Certificates of Deposits: No
Overdraft Protection/Courtesy Pay: No
Overdraft Lines of Credit: No
ATM/Debit Card Program: No
PrepaidDebit: No
Interest Only and Payment Option 1st Mortgage Loans: No
Insurance/Investment Sales: No
Brokered Deposits (All deposits acquired through a third party): No
Check Cashing: No
International Remittances: Yes
Low-cost wire transfers: Yes
Money Orders: No
No Surcharge ATMs: No

Smart Financial Credit Union Deposit Rates

Savings Rates (Shares): 0.250%
Checking Account Rates (Share Drafts): 0.000%
IRA/KEOGH Rates: 0.000%
Money Market Rates (Shares): 0.000%
1 Year CD Rates (Share Certificates): 0.000%

Smart Financial Credit Union Auto Loan Rates

Auto Loan Rates (New Vehicles): 3.740%
Auto Loan Rates (Used Vehicles): 3.740%

Smart Financial Credit Union Credit Card and Payday Loan Rates

Credit Card Rates: 9.490%
Unsecured Loans/Lines of Credit Rates: 12.490%
Payday Rates (PAL loans): 0.000%

Smart Financial Credit Union Branches

Conroe Branch
FM 1961 Branch
FM 2921 Branch
Katy Fulshear Branch
Kingwood Branch
Lamar Branch
Magnolia Branch
Northloop Branch
Pearland Branch
Sugar Land Branch
Wayside Branch
Westchase Branch
Woodlands Branch