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%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Smart Financial Credit Union

iAdvertiser Disclosure

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 10, 2026

Smart Financial Credit Union's top rates as of October 10, 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, 8.75% on its Lot Loan ARM mortgage, and personal loans from 10.24% APR, according to rates verified by MonitorBankRates. Other Smart Financial Credit Union CD rates include 36-month Tier Mini Jumbo CD at 3.85%, 60-month IRA Special at 3.85%, and 60-month Tier Jumbo CD 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 10/10/2026.

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

Customer Reviews

Be the first to review

Write a Review

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 APY= ANNUAL PERCENTAGE YIELD. Rates and Annual Percentage Yield (APY) effective 10/09/2026. Rates and terms are subject to change without notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals. At maturity, the certificate of deposit will renew automatically unless action is taken. Early Withdrawal Penalties - Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates. All accounts are subject to membership eligibility requirements. A primary savings or checking account is required for new members and has a one-time $5.00 entrance fee in addition to the minimum opening deposit required by the account. Account opening requirements and monthly service fees vary for account type. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
36-month Tier Mini Jumbo Certificate	3.639%	3.85%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
60-month IRA Special	3.784%	3.85%	60-month
No additional details. Last Updated 10/10/2026 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 Tier Jumbo Certificate	3.784%	3.85%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
48-month IRA	3.735%	3.80%	48-month
No additional details. Last Updated 10/10/2026 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%
48-month Tier Jumbo Certificate	3.735%	3.80%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
60-month Tier Mini Jumbo Certificate	3.735%	3.80%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
36-month IRA	3.687%	3.75%	36-month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
36-month Tier Jumbo Certificate	3.687%	3.75%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
48-month Tier Mini Jumbo Certificate	3.687%	3.75%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
60 month 5-Year Certificate of Deposit	-	3.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY= ANNUAL PERCENTAGE YIELD. Rates and Annual Percentage Yield (APY) effective 10/09/2026. Rates and terms are subject to change without notice. Fees could reduce earnings. A penalty may be imposed for early withdrawals. At maturity, the certificate of deposit will renew automatically unless action is taken. Early Withdrawal Penalties - Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates. All accounts are subject to membership eligibility requirements. A primary savings or checking account is required for new members and has a one-time $5.00 entrance fee in addition to the minimum opening deposit required by the account. Account opening requirements and monthly service fees vary for account type. Last Updated 10/10/2026 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%
60-month Tier Certificate	3.687%	3.75%	60 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24-month IRA	3.639%	3.70%	24-month
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24-month Tier Jumbo Certificate	3.639%	3.70%	24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
48-month Tier Certificate	3.639%	3.70%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24-month Tier Mini Jumbo Certificate	3.59%	3.65%	24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
36-month Tier Certificate	3.59%	3.65%	36 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12-month IRA	3.542%	3.60%	12-month
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12-month Tier Jumbo Certificate	3.542%	3.60%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24-month Tier Certificate	3.542%	3.60%	24 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12-month Tier Mini Jumbo Certificate	3.494%	3.55%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12-month Tier Certificate	3.445%	3.50%	12 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6-month Tier Jumbo Certificate	2.57%	2.60%	6 months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6-month Tier Mini Jumbo Certificate	2.521%	2.55%	6 months
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6-month Tier Certificate	2.472%	2.50%	6 months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Business CD Rates

Product	Rate	APY	Term
Business Certificates of Deposit - 60 month Tier Jumbo	3.784%	3.85%	60 Months
Min Deposit $100,000 Last Updated 10/10/2026 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%
Business Certificates of Deposit - 60 month Tier Mini Jumbo	3.735%	3.80%	60 Months
Min Deposit $50,000 Last Updated 10/10/2026 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%
Business Certificates of Deposit - 60 month Tier	3.687%	3.75%	60 Months
Min Deposit $1,000 Last Updated 10/10/2026 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%
Business Certificates of Deposit - 24 month Tier Jumbo	3.639%	3.70%	24 Months
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 6 times 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
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times 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
Min Deposit $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 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
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times 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
Min Deposit $50,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 6 times 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
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times 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 10/10/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 6 times 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 10/10/2026 Rate History No change since Sep 14, 2026 · 2.55% APY · checked 6 times 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 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 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; 1.74% on entire balance; Balance: $100,000.00+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 6 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; 1.245% on entire balance; Balance: $50,000.00-99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 5 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; 0.997% on entire balance; Balance: $25,000.00-49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 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; 0.749% on entire balance; Balance: $10,000.00-24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 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; 0.500% on entire balance; Balance: $2,500.00-9,999.99 Last Updated 10/10/2026 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; 0.450% on entire balance; Balance: $0-2,499.99 Last Updated 10/10/2026 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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+; Minimum to avoid service fee: $2,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 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; Minimum to avoid service fee: $2,500 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 1.00% APY · checked 3 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; Minimum to avoid service fee: $2,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 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; Minimum to avoid service fee: $2,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 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; Minimum to avoid service fee: $2,500 Last Updated 10/10/2026 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 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 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 10/10/2026 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 Mortgage Rates

Product	Rate	Points	APR	Term	View More
Lot Loan ARM	8.75%	-	8.75%	3/1
Details Rate is for 3/1 ARM. ***Adjustable Rate Mortgages (ARMs) are variable and subject to change after the initial fixed-rate period. Rates shown are for conforming loan amounts up to $647,200 and jumbo loan amounts over $647,200. Rates are subject to change without notice. Rates are based on a credit score of 740 or higher. Loan to value (LTV) of 80% or less. Rates may vary based on loan amount, credit score, LTV, and other factors. Call for current rates and details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 7 times 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%	-	6.383%	5-year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 5.86% → 6.38% ▲ 0.52 pts · high 6.38% / low 5.86% 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)	6.50%	-	6.572%	10-year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.06% → 6.57% ▲ 0.51 pts · high 6.57% / low 6.06% 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)	6.875%	-	6.929%	15-year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.29% → 6.93% ▲ 0.64 pts · high 6.93% / low 6.29% 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)	7.00%	-	7.045%	20-year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 6.53% → 7.05% ▲ 0.51 pts · high 7.05% / low 6.53% 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
No additional details. Last Updated 10/10/2026 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)	7.50%	-	7.632%	10-year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.12% → 7.63% ▲ 0.52 pts · high 7.63% / low 7.12% 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)	7.875%	-	7.973%	15-year
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 7.33% → 7.97% ▲ 0.64 pts · high 7.97% / low 7.33% 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	View More
Auto Loans	-	-	3.99%
Details As Low As; No Payments for 90 Days Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.99% APR · checked 6 times 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	View More
RVs & Boats Loan	-	6.74%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%

Smart Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	10.24%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 6 times 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
Texas Home Improvement Loan	8.25%	-	8.738%	5-year
Last Updated 10/10/2026 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	8.50%	-	8.769%	10-year
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.77% ▲ 0.52 pts · high 8.77% / low 8.25% 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	8.875%	-	9.075%	15-year
Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 8.43% → 9.08% ▲ 0.64 pts · high 9.08% / low 8.43% 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/smart-financial-credit-union-rates-review-67927">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Smart Financial Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Smart Financial Credit Union

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

Coosa Valley Credit Union NEW CASTLE BELLCO Greater Kentucky Credit Union Inc Credit Union Educational Community Credit Union San Antonio Citizens Federal Credit Union City & County Credit Union Aflac Federal Credit Union Solon Chagrin Falls Federal Credit Union Edisto Federal Credit Union Telco Community Credit Union Capstone Federal Credit Union Members Advantage Credit Union ST BERNARD PARISH SCHOOL BOARD EMP RIVERSIDE COMMUNITY Mt Zion Credit Union ST MARTIN DE PORRES PARISH American Southwest Credit Union Southwest Oklahoma Federal Credit Union Labor Management Federal Credit Union Bridge Credit Union Northwest Hills Credit Union

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 Mortgage 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