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Smart Financial Credit Union

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Smart Financial Credit Union Rates & Review November 2026

Q: 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%

Q: What CD terms does Smart Financial Credit Union offer?

Smart Financial Credit Union CD rates are 3.50% APY for a 12 month CD, 3.60% APY for a 2 year CD, 3.65% APY for a 3 year CD, 3.70% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Smart Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Smart Financial Credit Union's CDs of Deposit - 60-month Tier rates are at 3.75%, CDs of Deposit - 48-month Tier rates are at 3.70%, CDs of Deposit - 36-month Tier rates are at 3.65%, CDs of Deposit - 24-month Tier rates are at 3.60%, CDs of Deposit - 12-month Tier rates are at 3.50%. Smart Financial Credit Union's savings rates are at 1.75%. Smart Financial Credit Union's money market rates are at 1.50%. Smart Financial Credit Union's Personal Loan Rates are as low as 9.74%. Smart Financial Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/30/2026.

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 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 IRA Special	3.784%	3.85%	60 months
Details Individual Retirement Accounts/Certificates of Deposit Last Updated 10/30/2026 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 - 36-month Tier Mini Jumbo	-	3.85%	36 months
Min Deposit $50,000 Details Tier: Mini Jumbo Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times 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
Min Deposit $100,000 Details Tier: Jumbo Last Updated 10/30/2026 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
Details Individual Retirement Accounts/Certificates of Deposit Last Updated 10/30/2026 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
Min Deposit $100,000 Details Tier: Jumbo Last Updated 10/30/2026 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
Min Deposit $50,000 Details Tier: Mini Jumbo Last Updated 10/30/2026 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
Details Individual Retirement Accounts/Certificates of Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 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
Min Deposit $100,000 Details Tier: Jumbo Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 7 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
Min Deposit $50,000 Details Tier: Mini Jumbo Last Updated 10/30/2026 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
Min Deposit $1,000 Last Updated 10/30/2026 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
Details Individual Retirement Accounts/Certificates of Deposit Last Updated 10/30/2026 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%
Certificates of Deposit - 24-month Tier Jumbo	3.639%	3.70%	24 months
Min Deposit $100,000 Details Tier: Jumbo Last Updated 10/30/2026 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%
Certificates of Deposit - 48-month Tier	3.639%	3.70%	48 months
Min Deposit $1,000 Last Updated 10/30/2026 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
Min Deposit $50,000 Details Tier: Mini Jumbo Last Updated 10/30/2026 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%
Certificates of Deposit - 36-month Tier	3.59%	3.65%	36 months
Min Deposit $1,000 Last Updated 10/30/2026 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 IRA	3.542%	3.60%	12 months
Min Deposit $1,000 Details Individual Retirement Accounts/Certificates of Deposit Last Updated 10/30/2026 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%
Certificates of Deposit - 12-month Tier Jumbo	3.542%	3.60%	12 months
Min Deposit $100,000 Details Tier: Jumbo Last Updated 10/30/2026 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%
Certificates of Deposit - 24-month Tier	3.542%	3.60%	24 months
Min Deposit $1,000 Last Updated 10/30/2026 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%
Certificates of Deposit - 12-month Tier Mini Jumbo	3.494%	3.55%	12 months
Min Deposit $50,000 Details Tier: Mini Jumbo Last Updated 10/30/2026 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%
Certificates of Deposit - 12-month Tier	3.445%	3.50%	12 months
Min Deposit $1,000 Last Updated 10/30/2026 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%
Certificates of Deposit - 6-month Tier Jumbo	2.57%	2.60%	6-month
Min Deposit $100,000 Last Updated 10/30/2026 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%
Certificates of Deposit - 6-month Tier Mini Jumbo	2.521%	2.55%	6-month
Min Deposit $50,000 Last Updated 10/30/2026 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%
Certificates of Deposit - 6-month Tier	2.472%	2.50%	6-month
Min Deposit $1,000 Last Updated 10/30/2026 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 Business CD Rates

Product	Rate	APY	Term
60 Month Business Certificates of Deposit	3.784%	3.85%	60 Months Tier Jumbo
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
60 Month Business Certificates of Deposit	3.735%	3.80%	60 Months
Min Deposit $50,000 Min Balance $50,000 Details Term: 60 Months Tier Mini Jumbo Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.80% APY · checked 4 times 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 Tier
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24 Month Business Certificates of Deposit	3.639%	3.70%	24 Months Tier Jumbo
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
24 Month Business Certificates of Deposit	3.59%	3.65%	24 Months
Min Deposit $50,000 Min Balance $50,000 Details Term: 24 Months Tier Mini Jumbo Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12 Month Business Certificates of Deposit	3.542%	3.60%	12 Months Tier Jumbo
Min Deposit $100,000 Min Balance $100,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.60% APY · checked 4 times 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 Tier
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
12 Month Business Certificates of Deposit	3.494%	3.55%	12 Months
Min Deposit $50,000 Min Balance $50,000 Details Term: 12 Months Tier Mini Jumbo Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 4 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 Tier
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6 Month Business Certificates of Deposit	2.57%	2.60%	6 Months Tier Jumbo
Min Deposit $100,000 Min Balance $100,000 Details Jumbo tier Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
6 Month Business Certificates of Deposit	2.521%	2.55%	6 Months
Min Deposit $50,000 Min Balance $50,000 Details Term: 6 Months Tier Mini Jumbo; Mini Jumbo tier Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.55% APY · checked 4 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 Tier
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 2.50% APY · checked 5 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 Balance: $100,000.00 and over; Interest rate on entire balance; $50 to open with payroll deduction-Direct Deposit Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 11 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 Balance: $50,000.00-99,999.99; Interest rate on entire balance; $50 to open with payroll deduction-Direct Deposit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 10 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 Balance: $25,000.00-49,999.99; Interest rate on entire balance; $50 to open with payroll deduction-Direct Deposit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 10 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 Balance: $10,000.00-24,999.99; Interest rate on entire balance; $50 to open with payroll deduction-Direct Deposit Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 10 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 Balance: $2,500.00-9,999.99; Interest rate on entire balance; $50 to open with payroll deduction-Direct Deposit Last Updated 10/30/2026 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 Balance: $0-2,499.99; Interest rate on entire balance; $50 to open with payroll deduction-Direct Deposit Last Updated 10/30/2026 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 Dividend rate .20%; Interest Rate N/A; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 11 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 10/30/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 10 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 10/30/2026 Rate History No change since Sep 27, 2026 · 1.00% APY · checked 7 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 10 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 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 10/30/2026 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 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 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 10/30/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 11 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 10/30/2026 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) - 5-year	6.25%	-	6.381%	5-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.38% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Cash-out Refinance (1st lien Home Equity) - 10-year	6.85%	-	6.926%	10-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.93% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Cash-out Refinance (1st lien Home Equity) - 15-year	7.225%	-	7.282%	15-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.28% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Cash-out Refinance (1st lien Home Equity) - 20-year	7.35%	-	7.397%	20-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.40% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Equity (2nd lien) - 5-year	7.25%	-	7.49%	5-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Equity (2nd lien) - 10-year	7.85%	-	7.986%	10-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Equity (2nd lien) - 15-year	8.225%	-	8.327%	15-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.33% APR · checked 4 times 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
New Auto Car Loan	-	-	3.99%	Up to 36 months
Details Range: 3.99% - 16.99% APR; As Low As Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
New Auto Car Loan	-	-	4.49%	Up to 48 months
Details Range: 4.49% - 16.99% APR; As Low As Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
New Auto Car Loan	-	-	4.99%	Up to 60 months
Details Range: 4.99% - 16.99% APR; As Low As Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
New Auto Car Loan	-	-	5.49%	Up to 72 months
Details Range: 5.49% - 16.99% APR; As Low As Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
New Auto Car Loan	-	-	5.99%	84 months
Details Range: 5.99% - 16.99% APR; As Low As Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times 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%; Program eligibility: must be 18 years of age or older, employed for 1 consecutive year or graduated within 12 months from a university/college/technical school program; loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 5.99% APR · checked 5 times 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%; Program eligibility: must be 18 years of age or older, employed for 1 consecutive year or graduated within 12 months from a university/college/technical school program; loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Auto Loan - New Auto APR	-	-	6.74%	Up to 36 months
Details APR range 6.74%-16.99%; low end shown; New Auto column; ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
New Auto Loan	-	-	6.74%	Up to 36 months
Details APR range: 6.74% - 16.99%; Loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 4 times 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%; Program eligibility: must be 18 years of age or older, employed for 1 consecutive year or graduated within 12 months from a university/college/technical school program; loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Auto Loan - New Auto APR	-	-	7.24%	Up to 48 months
Details APR range 7.24%-16.99%; low end shown; New Auto column; ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
New Auto Loan	-	-	7.24%	Up to 48 months
Details APR range: 7.24% - 16.99%; Loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 4 times 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%; Program eligibility: must be 18 years of age or older, employed for 1 consecutive year or graduated within 12 months from a university/college/technical school program; loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Auto Loan - New Auto APR	-	-	7.74%	Up to 60 months
Details APR range 7.74%-16.99%; low end shown; New Auto column; ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
New Auto Loan	-	-	7.74%	Up to 60 months
Details APR range: 7.74% - 16.99%; Loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 4 times 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%; Program eligibility: must be 18 years of age or older, employed for 1 consecutive year or graduated within 12 months from a university/college/technical school program; loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Auto Loan - New Auto APR	-	-	8.24%	Up to 72 months
Details APR range 8.24%-16.99%; low end shown; New Auto column; ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
New Auto Loan	-	-	8.24%	Up to 72 months
Details APR range: 8.24% - 16.99%; Loan amount $5,000 - $40,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Auto Loan - New Auto APR	-	-	8.74%	Up to 84 months
Details APR range 8.74%-16.99%; low end shown; New Auto column; ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Auto Loan - New Auto APR	-	-	9.24%	Up to 96 months
Details APR range 9.24%-16.99%; low end shown; New Auto column; ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Auto Loan - New Auto APR	-	-	9.74%	Up to 120 months
Details APR range 9.74%-16.99%; low end shown; New Auto column; ALL LOANS SUBJECT TO CREDIT AND COLLATERAL APPROVAL Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 3 times 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 Loans	9.74%	Up to 24 months
Details APR range: 9.74% - 16.99%; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Signature Loans	9.74%	24 months
Details As Low As; Fixed rate for qualified applicants; 9.74% is a fixed rate for a 24-month term; rate subject to credit approval Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loans	10.24%	Up to 36 months
Details APR range: 10.24% - 16.99%; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loans	10.74%	Up to 48 months
Details APR range: 10.74% - 16.99%; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loans	10.99%	Up to 60 months
Details APR range: 10.99% - 16.99%; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loans	11.49%	Up to 72 months
Details APR range: 11.49% - 16.99%; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Personal & Signature Loans	12.49%	84 months
Details APR range: 12.49% - 16.99%; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 12.49% APR · checked 5 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
Revolving Line of Credit (Creditline)	-	-	11.99%
Details APR range: 11.99% - 16.99%; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Improvement - 10-year Loan	8.85%	-	9.124%	10-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.12% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Improvement - 15-year Loan	9.225%	-	9.429%	15-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.43% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.46%
Texas Home Improvement - 5-year Loan	8.25%	-	8.738%	5-year
Details As Low As; Effective Date: 10/19/2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.74% APR · checked 4 times 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

2026 MBR Health & Safety Badge

Smart Financial Credit Union earned the Verified Healthy badge

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

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Smart Financial Credit Union

Does Smart Financial Credit Union offer CDs?

Yes. Smart Financial Credit Union current CD rates include its CDs of Deposit - 60-month Tier at 3.75% APY, its CDs of Deposit - 48-month Tier at 3.70% APY and its CDs of Deposit - 36-month Tier at 3.65% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Smart Financial Credit Union NCUA insured?

Yes. Smart Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Smart Financial Credit Union?

The highest Smart Financial Credit Union CD rate is its 60 Month Business CDs of Deposit at 3.85% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Smart Financial Credit Union offer?

Smart Financial Credit Union CD rates are 3.50% APY for a 12 month CD, 3.60% APY for a 2 year CD, 3.65% APY for a 3 year CD, 3.70% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Smart Financial Credit Union for its full lineup.

What is the highest savings rate at Smart Financial Credit Union?

The highest Smart Financial Credit Union savings rate is its IRA (Savings) at 1.75% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Smart Financial Credit Union?

The highest Smart Financial Credit Union money market rate is its Money Market Account at 1.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Smart Financial Credit Union?

The lowest Smart Financial Credit Union auto loan rate is its New Auto Car Loan at 3.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Smart Financial Credit Union?

The lowest Smart Financial Credit Union personal loan rate is its Personal & Signature Loans at 9.74% APR, verified by MonitorBankRates as of October 30, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Smart Financial Credit Union rates compare?

Smart Financial Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A health rating. Smart Financial Credit Union's top rates are its 60 Month Business CDs of Deposit at 3.85% APY, its IRA (Savings) at 1.75% APY, its Money Market Account at 1.50% APY and its Personal & Signature Loans at 9.74% APR, verified by MonitorBankRates on October 30, 2026.

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 November 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 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

Does Smart Financial Credit Union offer CDs?

Are CDs from Smart Financial Credit Union NCUA insured?

What is the highest CD rate at Smart Financial Credit Union?

What CD terms does Smart Financial Credit Union offer?

What is the highest savings rate at Smart Financial Credit Union?

What is the highest money market rate at Smart Financial Credit Union?

What is the lowest auto loan rate at Smart Financial Credit Union?

What is the lowest personal loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Smart Financial Credit Union rates compare?

Current Smart Financial Credit Union Rates

Compare to Other Credit Unions