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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Smart Financial Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 28, 2026
Smart Financial Credit Union's 12-month Tier Jumbo CD of Deposit rates are at 3.60%, 12 month Tier Jumbo Business CDs of Deposit rates are at 3.60%, Business CDs of Deposit 12 month Tier Jumbo rates are at 3.60%, CDs of Deposit 12-month Tier Jumbo rates are at 3.60%, 12-month Tier Mini Jumbo CD of Deposit rates are at 3.55%. Smart Financial Credit Union's savings rates are at 0.20%. Smart Financial Credit Union's money market rates are at 0.25%. Smart Financial Credit Union's 15-year Jumbo rates are at 5.38%, Purchase/Refinance Fixed Rate 15-year Jumbo rates are at 5.38%, 20-year Jumbo rates are at 5.62%, Purchase/Refinance Fixed Rate 20-year Jumbo rates are at 5.62%, 30-year Jumbo rates are at 5.88%. Smart Financial Credit Union's Personal Loan Rates are at 5.99%. 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 10.10%. Rates were last updated on 03/28/2026. 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. Smart Financial Credit Union
Main Office 6051 N Course Dr
https://www.smartcu.org Houston, TX 77072 1667 
Smart Financial Credit Union CD Rates
Smart Financial Credit Union Savings Rates
Smart Financial Credit Union Money Market Rates
Smart Financial Credit Union Mortgage Rates
Smart Financial Credit Union Home Equity & HELOC
Smart Financial Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.10%
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
Frequently Asked Questions About Smart Financial Credit UnionIs Smart Financial Credit Union a safe place to deposit money?Yes, Smart Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 10.097966575942%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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