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Smart Financial Credit Union Rates & Review June 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: June 20, 2026

You can compare Smart Financial Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.55%, 6-month share certificate rates at 3.55% and 3-month share certificate rates at 3.54%. Savings rates are at 0.75% and money market rates are at 1.16%. Mortgage rates on 30-year fixed loans are around 6.59%. All these rates can be compared to Smart Financial Credit Union rates. MonitorBankRates evaluates the financial stability of Smart Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.36%. Rates were last updated on 06/20/2026.

Smart Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Smart Financial Credit Union? Share your experience about Smart Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Smart Financial Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.36%
Excellent Higher than avg
Smart Financial Credit Union
Main Office
6051 N Course Dr
Houston, TX 77072 1667
https://www.smartcu.org
Member NCUA

Current Rate Availability

We do not have Smart Financial Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Smart Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Smart Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Smart Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Smart Financial Credit Union
Website https://www.smartcu.org
Address 6051 N Course Dr, Houston, TX 77072 1667
Phone 713-850-1600
Fax
President Tammie Moore
CEO LeAnn Kaczynski
Full-Time Employees 192
Part-Time Employees 4
Branch Locations 12
ATM Locations 15
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.36%
Return on Assets (ROA)
0.5227%
Return on Equity (ROE)
4.7281%
Non-Performing Loans Ratio (NPL)
1.58%
Total Assets
800,553,489
Total Amount of Shares and Deposits
694,845,883
Total Shares and Deposits < 1 Year
684,367,044
Total Shares and Deposits 1 3 Years
7,965,833
Total Shares and Deposits > 3 Years
2,513,006
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
19,838,553
Total Uninsured Shares and Deposits > $250K (F+J)
19,838,553
Total Insured Shares and Deposits > $250K (item 17 less item K)
675,007,330
Total Interest Expense (Sum of items 6 8)
3,835,261
Share Certificates
2,565
Number of Accounts for Share Drafts
53,834
IRA KEOGH Accounts
1,408
Number of Accounts for Regular Shares
63,092
Money Market Shares
1,631
Net Income (unless the amount is already included in Undivided Earnings)
4,184,465
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
63,383,746
Total Liabilities
711,236,221
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

Want to discuss Smart Financial Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Smart Financial Credit Union
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Frequently Asked Questions About Smart Financial Credit Union

How many branches does Smart Financial Credit Union operate?

Smart Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Smart Financial Credit Union?

Yes, to access services at Smart Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Smart Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Smart Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Smart Financial Credit Union offer online and mobile banking?

Most modern institutions like Smart Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.smartcu.org.

Compare to Other Credit Unions

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