What are the current interest rates at Smart Financial Credit Union?

Current rates for Smart Financial Credit Union include: 12-Month CD: 3.50%, 24-Month CD: 3.60%, 60-Month CD: 3.75%, Savings: 1.75%, MMA: 1.50%

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Smart Financial Credit Union

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Smart Financial Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Smart Financial Credit Union's top rates as of October 14, 2026 are 4.00% APY on its 60 month 5-Year CD of Deposit, 1.75% APY on savings, 1.50% APY on money market accounts, and personal loans from 9.74% APR, according to rates verified by MonitorBankRates. Other Smart Financial Credit Union CD rates include 60 Month Business CDs of Deposit - Jumbo at 3.85%, 60-month IRA Special at 3.85%, and Business CDs of Deposit - 60 month Tier Jumbo at 3.85%. 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 6.46%. Rates last updated and verified on 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.46%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Smart Financial Credit Union
Main Office

6051 N Course Dr
Houston, TX 77072-1667

https://www.smartcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Smart Financial Credit Union CD Rates

Product	Rate	APY	Term
60 month 5-Year Certificate of Deposit	-	4.00%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Fixed 4.00% APY for 60 months per disclosure; page headline also states APY as high as 3.75% on a 60-month Tier (conflicting figures on page); minimum opening deposit and minimum balance to earn stated APY $1,000; early withdrawal penalty 270 days' interest on 60-month certificates; renews automatically at maturity Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
60-month IRA Special	3.784%	3.85%	60 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20263.85%▼ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 60-month Tier Jumbo	3.784%	3.85%	60 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85% Oct 14, 20263.85%▼ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
48-month IRA	3.735%	3.80%	48 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.80% ▼ 0.05 pts · high 3.85% / low 3.80% Oct 10, 20263.80%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 48-month Tier Jumbo	3.735%	3.80%	48 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.80% ▼ 0.05 pts · high 3.85% / low 3.80% Oct 14, 20263.80%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 60-month Tier Mini Jumbo	3.735%	3.80%	60 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 3.80% ▼ 0.25 pts · high 4.05% / low 3.80% Oct 14, 20263.80%▼ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
36-month IRA	3.687%	3.75%	36 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 36-month Tier Jumbo	3.687%	3.75%	36 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 48-month Tier Mini Jumbo	3.687%	3.75%	48 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.75% ▼ 0.05 pts · high 3.80% / low 3.75% Oct 14, 20263.75%▼ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 60-month Tier	3.687%	3.75%	60 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75% Oct 14, 20263.75%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24-month IRA	3.639%	3.70%	24 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 24-month Tier Jumbo	3.639%	3.70%	24 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 48-month Tier	3.639%	3.70%	48 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.70% ▼ 0.05 pts · high 3.75% / low 3.70% Oct 14, 20263.70%▼ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 24-month Tier Mini Jumbo	3.59%	3.65%	24 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 36-month Tier	3.59%	3.65%	36 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12-month IRA	3.542%	3.60%	12 months
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 12-month Tier Jumbo	3.542%	3.60%	12 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 24-month Tier	3.542%	3.60%	24 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 12-month Tier Mini Jumbo	3.494%	3.55%	12 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 12-month Tier	3.445%	3.50%	12 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 6-month Tier Jumbo	2.57%	2.60%	6 months
Min Deposit $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 6-month Tier Mini Jumbo	2.521%	2.55%	6 months
Min Deposit $50,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Certificates of Deposit - 6-month Tier	2.472%	2.50%	6 months
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Business CD Rates

Product	Rate	APY	Term
60 Month Business Certificates of Deposit - Jumbo	3.784%	3.85%	60 Months
Min Deposit $100,000 Min Balance $100,000 Details Tier: Jumbo; Minimum to obtain disclosed APY: $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 60 month Tier Jumbo	3.784%	3.85%	60 Months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.10% → 3.85% ▼ 0.25 pts · high 4.10% / low 3.85% Oct 10, 20263.85%▼ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
60 Month Business Certificates of Deposit - Mini Jumbo	3.735%	3.80%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Tier: Mini Jumbo; Minimum to obtain disclosed APY: $50,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 60 month Tier Mini Jumbo	3.735%	3.80%	60 Months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.05% → 3.80% ▼ 0.25 pts · high 4.05% / low 3.80% Oct 10, 20263.80%▼ from 4.05% Sep 14, 20264.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
60 Month Business Certificates of Deposit	3.687%	3.75%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Tier: Standard; Minimum to obtain disclosed APY: $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 60 month Tier	3.687%	3.75%	60 Months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.75% ▼ 0.25 pts · high 4.00% / low 3.75% Oct 10, 20263.75%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24 Month Business Certificates of Deposit - Jumbo	3.639%	3.70%	24 Months
Min Deposit $100,000 Min Balance $100,000 Details Tier: Jumbo; Minimum to obtain disclosed APY: $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 24 month Tier Jumbo	3.639%	3.70%	24 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24 Month Business Certificates of Deposit - Mini Jumbo	3.59%	3.65%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Tier: Mini Jumbo; Minimum to obtain disclosed APY: $50,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 24 month Tier Mini Jumbo	3.59%	3.65%	24 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12 Month Business Certificates of Deposit - Jumbo	3.542%	3.60%	12 Months
Min Deposit $100,000 Min Balance $100,000 Details Tier: Jumbo; Minimum to obtain disclosed APY: $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24 Month Business Certificates of Deposit	3.542%	3.60%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Tier: Standard; Minimum to obtain disclosed APY: $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 12 month Tier Jumbo	3.542%	3.60%	12 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 24 month Tier	3.542%	3.60%	24 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12 Month Business Certificates of Deposit - Mini Jumbo	3.494%	3.55%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Tier: Mini Jumbo; Minimum to obtain disclosed APY: $50,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 12 month Tier Mini Jumbo	3.494%	3.55%	12 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12 Month Business Certificates of Deposit	3.445%	3.50%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Tier: Standard; Minimum to obtain disclosed APY: $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 12 month Tier	3.445%	3.50%	12 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6 Month Business Certificates of Deposit - Jumbo	2.57%	2.60%	6 Months
Min Deposit $100,000 Min Balance $100,000 Details Tier: Jumbo; Minimum to obtain disclosed APY: $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 6 month Tier Jumbo	2.57%	2.60%	6 Months
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6 Month Business Certificates of Deposit - Mini Jumbo	2.521%	2.55%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Tier: Mini Jumbo; Minimum to obtain disclosed APY: $50,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 6 month Tier Mini Jumbo	2.521%	2.55%	6 Months
Min Deposit $50,000 Min Balance $50,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6 Month Business Certificates of Deposit	2.472%	2.50%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Tier: Standard; Minimum to obtain disclosed APY: $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Certificates of Deposit - 6 month Tier	2.472%	2.50%	6 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Savings Rates

Product	Rate	APY
IRA (Savings)	1.74%	1.75%
Min Deposit $100 Min Balance $100,000 Details Minimum: $100 or $50 w/ payroll deduction-Direct Deposit; Balance: $100,000.00 and over; Rate applies to entire balance Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA (Savings)	1.245%	1.25%
Min Deposit $100 Min Balance $50,000 Details Minimum: $100 or $50 w/ payroll deduction-Direct Deposit; Balance: $50,000.00-99,999.99; Rate applies to entire balance Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA (Savings)	0.997%	1.00%
Min Deposit $100 Min Balance $25,000 Details Minimum: $100 or $50 w/ payroll deduction-Direct Deposit; Balance: $25,000.00-49,999.99; Rate applies to entire balance Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA (Savings)	0.749%	0.75%
Min Deposit $100 Min Balance $10,000 Details Minimum: $100 or $50 w/ payroll deduction-Direct Deposit; Balance: $10,000.00-24,999.99; Rate applies to entire balance Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA (Savings)	0.50%	0.50%
Min Deposit $100 Min Balance $2,500 Details Minimum: $100 or $50 w/ payroll deduction-Direct Deposit; Balance: $2,500.00-9,999.99; Rate applies to entire balance Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.60% → 0.50% ▼ 0.10 pts · high 0.60% / low 0.50% Oct 10, 20260.50%▼ from 0.60% Sep 18, 20260.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
IRA (Savings)	0.45%	0.45%
Min Deposit $100 Min Balance $0 Details Minimum: $100 or $50 w/ payroll deduction-Direct Deposit; Balance: $0-2,499.99; Rate applies to entire balance Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.50% → 0.45% ▼ 0.05 pts · high 0.50% / low 0.45% Oct 10, 20260.45%▼ from 0.50% Sep 18, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Share (Savings)	0.20%	0.20%
Min Deposit $5 Min Balance $100 Details Minimum to obtain disclosed APY: $100; Interest Rate: N/A; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share (Savings)	0.20%	0.20%
Min Deposit $5 Min Balance $100 Details Dividend rate; Interest Rate N/A Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.49%	1.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Money Market Account	0.995%	1.00%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00-99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 27, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Money Market Account	0.747%	0.75%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00-49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Money Market Account	0.499%	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00-24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Money Market Account	0.25%	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00-9,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 0.35% → 0.25% ▼ 0.10 pts · high 0.35% / low 0.25% Oct 10, 20260.25%▼ from 0.35% Sep 27, 20260.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.995%	1.00%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Money Market	0.747%	0.75%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 - 49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Business Money Market	0.30%	0.30%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 - 24,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 0.30% ▼ 0.10 pts · high 0.40% / low 0.30% Oct 10, 20260.30%▼ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Cash-out Refinance (1st lien Home Equity)	6.25%	-	6.381%	5-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 5.86% → 6.38% ▲ 0.52 pts · high 6.38% / low 5.86% Oct 14, 20266.38%▼ from 6.38% Oct 1, 20266.38%▲ from 5.86% Sep 14, 20265.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Cash-out Refinance (1st lien Home Equity)	6.85%	-	6.926%	10-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.06% → 6.93% ▲ 0.87 pts · high 6.93% / low 6.06% Oct 14, 20266.93%▲ from 6.57% Oct 1, 20266.57%▲ from 6.06% Sep 14, 20266.06%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Cash-out Refinance (1st lien Home Equity)	7.225%	-	7.282%	15-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.29% → 7.28% ▲ 0.99 pts · high 7.28% / low 6.29% Oct 14, 20267.28%▲ from 6.93% Oct 1, 20266.93%▲ from 6.29% Sep 14, 20266.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Cash-out Refinance (1st lien Home Equity)	7.35%	-	7.397%	20-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 6.53% → 7.40% ▲ 0.87 pts · high 7.40% / low 6.53% Oct 14, 20267.40%▲ from 7.05% Oct 1, 20267.05%▲ from 6.53% Sep 14, 20266.53%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Equity (2nd lien)	7.25%	-	7.49%	5-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 6.97% → 7.49% ▲ 0.52 pts · high 7.49% / low 6.97% Oct 1, 20267.49%▲ from 6.97% Sep 14, 20266.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Equity (2nd lien)	7.85%	-	7.986%	10-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 7.12% → 7.99% ▲ 0.87 pts · high 7.99% / low 7.12% Oct 14, 20267.99%▲ from 7.63% Oct 1, 20267.63%▲ from 7.12% Sep 14, 20267.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Equity (2nd lien)	8.225%	-	8.327%	15-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 7.33% → 8.33% ▲ 1.00 pts · high 8.33% / low 7.33% Oct 14, 20268.33%▲ from 7.97% Oct 1, 20267.97%▲ from 7.33% Sep 14, 20267.33%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Car Loans - New Auto	3.99%	-	3.99%	Up to 36 months
Details APR range 3.99% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Car Loans - New Auto	4.49%	-	4.49%	Up to 48 months
Details APR range 4.49% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Car Loans - New Auto	4.99%	-	4.99%	Up to 60 months
Details APR range 4.99% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Car Loans - New Auto	5.49%	-	5.49%	Up to 72 months
Details APR range 5.49% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Car Loans - New Auto	5.99%	-	5.99%	84 months
Details APR range 5.99% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Smart Start Auto Loans - New Auto	-	-	5.99%	Up to 36 months
Details APR range: 5.99%* - 16.99%*; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Smart Start Auto Loans - New Auto	-	-	6.49%	Up to 48 months
Details APR range: 6.49%* - 16.99%*; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Boat & Leisure Vehicle Loans	-	-	6.74%	Up to 36 months
Details APR range 6.74% - 16.99%; Minimum loan $5,000; Maximum loan $40,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Smart Start Auto Loans - New Auto	-	-	6.99%	Up to 60 months
Details APR range: 6.99%* - 16.99%*; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Boat & Leisure Vehicle Loans	-	-	7.24%	Up to 48 months
Details APR range 7.24% - 16.99%; Minimum loan $5,000; Maximum loan $40,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Smart Start Auto Loans - New Auto	-	-	7.49%	Up to 72 months
Details APR range: 7.49%* - 16.99%*; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Boat & Leisure Vehicle Loans	-	-	7.74%	Up to 60 months
Details APR range 7.74% - 16.99%; Minimum loan $5,000; Maximum loan $40,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Smart Start Auto Loans - New Auto	-	-	7.99%	84 months
Details APR range: 7.99%* - 16.99%*; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Boat & Leisure Vehicle Loans	-	-	8.24%	Up to 72 months
Details APR range 8.24% - 16.99%; Minimum loan $5,000; Maximum loan $40,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Boat & Leisure Vehicle Loans	-	-	8.74%	Up to 84 months
Details APR range 8.74% - 16.99%; Minimum loan $5,000; Maximum loan $40,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Boat & Leisure Vehicle Loans	-	-	9.24%	Up to 96 months
Details APR range 9.24% - 16.99%; Minimum loan $5,000; Maximum loan $40,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Boat & Leisure Vehicle Loans	-	-	9.74%	Up to 120 months
Details APR range 9.74% - 16.99%; Minimum loan $5,000; Maximum loan $40,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans	-	6.74%	Up to 36 months
Details APR range: 6.74% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Motorcycle Loans	-	7.24%	Up to 48 months
Details APR range: 7.24% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Motorcycle Loans	-	7.74%	Up to 60 months
Details APR range: 7.74% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Motorcycle Loans	-	8.24%	Up to 72 months
Details APR range: 8.24% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal & Signature Loan	9.74%	Up to 24 months
Details APR range: 9.74% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Signature Loans	9.74%	24 months
Details As Low As; Fixed rates start at 9.74% APR* for qualified applicants; 9.74% is a fixed rate for a 24-month term; subject to credit approval Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loan	10.24%	Up to 36 months
Details APR range: 10.24% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loan	10.74%	Up to 48 months
Details APR range: 10.74% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loan	10.99%	Up to 60 months
Details APR range: 10.99% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loan	11.49%	Up to 72 months
Details APR range: 11.49% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loan	12.49%	84 months
Details APR range: 12.49% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 12.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Car Loans - New Auto	-	-	3.99%	Up to 36 months
Details Published APR range: 3.99%-16.99%. Vehicle Loans; Effective Date: 10/13/2026; Maximum loan amount $40,000; subject to credit and collateral approval Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Car Loans - New Auto	-	-	4.49%	Up to 48 months
Details Published APR range: 4.49%-16.99%. Vehicle Loans; Effective Date: 10/13/2026; Maximum loan amount $40,000; subject to credit and collateral approval Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Car Loans - New Auto	-	-	4.99%	Up to 60 months
Details Published APR range: 4.99%-16.99%. Vehicle Loans; Effective Date: 10/13/2026; Maximum loan amount $40,000; subject to credit and collateral approval Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Car Loans - New Auto	-	-	5.49%	Up to 72 months
Details Published APR range: 5.49%-16.99%. Vehicle Loans; Effective Date: 10/13/2026; Maximum loan amount $40,000; subject to credit and collateral approval Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Car Loans - New Auto	-	-	5.99%	84 months
Details Published APR range: 5.99%-16.99%. Vehicle Loans; Effective Date: 10/13/2026; Maximum loan amount $40,000; subject to credit and collateral approval Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Revolving Line of Credit (Creditline)	-	-	11.99%
Details APR range: 11.99% - 16.99%; Effective Date: 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Improvement Loan	8.25%	-	8.738%	5-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 8.22% → 8.74% ▲ 0.52 pts · high 8.74% / low 8.22% Oct 1, 20268.74%▲ from 8.22% Sep 14, 20268.22%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Improvement Loan	8.85%	-	9.124%	10-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 8.25% → 9.12% ▲ 0.87 pts · high 9.12% / low 8.25% Oct 14, 20269.12%▲ from 8.77% Oct 1, 20268.77%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Improvement Loan	9.225%	-	9.429%	15-year
Details As Low As; APR based on 80% loan-to-value, FICO 740+ Last Updated 10/14/2026 Rate History 2 changes since Sep 14, 2026 · 8.43% → 9.43% ▲ 1.00 pts · high 9.43% / low 8.43% Oct 14, 20269.43%▲ from 9.08% Oct 1, 20269.08%▲ from 8.43% Sep 14, 20268.43%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Smart Financial Credit Union’s Texas Ratio fell from 11.05% in Q3 2023 to 6.46% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$808M	6.46%	5.0	A
March 31, 2026	$806M	5.63%	5.0	A+
December 31, 2025	$804M	11.08%	5.0	A
September 30, 2025	$801M	9.36%	5.0	A
June 30, 2025	$802M	7.26%	5.0	A
March 31, 2025	$802M	7.15%	5.0	A
December 31, 2024	$783M	11.35%	5.0	A
September 30, 2024	$844M	7.51%	5.0	A
June 30, 2024	$853M	4.86%	5.0	A+
March 31, 2024	$885M	1.04%	5.0	A+
December 31, 2023	$850M	1.21%	5.0	A+
September 30, 2023	$923M	11.05%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 189

Part-Time Employees 6

Branch Locations 12

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.46%

Return on Assets (ROA)

0.6008%

Return on Equity (ROE)

5.0746%

Non-Performing Loans Ratio (NPL)

1.16%

Total Assets

807,525,578

Total Amount of Shares and Deposits

700,614,133

Total Shares and Deposits < 1 Year

690,115,401

Total Shares and Deposits 1 3 Years

7,512,064

Total Shares and Deposits > 3 Years

2,986,668

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

19,642,287

Total Uninsured Shares and Deposits > $250K (F+J)

19,642,287

Total Insured Shares and Deposits > $250K (item 17 less item K)

680,971,846

Total Interest Expense (Sum of items 6 8)

2,371,631

Share Certificates

2,639

Number of Accounts for Share Drafts

52,722

IRA KEOGH Accounts

1,381

Number of Accounts for Regular Shares

61,731

Money Market Shares

1,557

Net Income (unless the amount is already included in Undivided Earnings)

4,851,669

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

67,462,495

Total Liabilities

712,541,534

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Smart Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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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.

Current Smart Financial Credit Union Rates

12-Month CD3.50%
24-Month CD3.60%
60-Month CD3.75%
Savings1.75%
MMA1.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Smart Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Smart Financial Credit Union Texas Ratio

Smart Financial Credit Union Health Trend

Smart Financial Credit Union CD Rates

Smart Financial Credit Union Business CD Rates

Smart Financial Credit Union Savings Rates

Smart Financial Credit Union Business Savings Rates

Smart Financial Credit Union Money Market Rates

Smart Financial Credit Union Business Money Market Rates

Smart Financial Credit Union Home Equity & HELOC

Smart Financial Credit Union Auto Loan Rates

Smart Financial Credit Union RV, Boat and Powersport Loan Rates

Smart Financial Credit Union Personal Loan Rates

Smart Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Smart Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Smart Financial Credit Union

How many branches does Smart Financial Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Smart Financial Credit Union offer online and mobile banking?

Current Smart Financial Credit Union Rates

Compare to Other Credit Unions