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 Smart Financial Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
Smart Financial Credit Union's 60 Month IRA Special CD rates are at 4.10%, Business CDs of Deposit - 60 month Tier Jumbo rates are at 4.10%, Business CDs of Deposit - 60 month Tier Mini Jumbo rates are at 4.05%, 60 month 5-YEAR CD OF DEPOSIT rates are at 4.00%, 60-month Tier rates are at 4.00%. 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 Lot Loan ARM rates are at 8.75%. Smart Financial Credit Union's Personal Loan Rates are as low as 10.24%. 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 5.63%. Rates last updated and verified on 09/22/2026. 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
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 HistorySmart Financial Credit Union’s Texas Ratio fell from 7.43% in Q2 2023 to 5.63% in Q1 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 and its Health Grade from A to A+. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
193
Part-Time Employees
4
Branch Locations
12
ATM Locations
13
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.63%
Return on Assets (ROA)
0.3491%
Return on Equity (ROE)
3.0060%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
805,784,111
Total Amount of Shares and Deposits
700,462,836
Total Shares and Deposits < 1 Year
689,644,847
Total Shares and Deposits 1 3 Years
8,735,128
Total Shares and Deposits > 3 Years
2,082,862
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
18,711,679
Total Uninsured Shares and Deposits > $250K (F+J)
18,711,679
Total Insured Shares and Deposits > $250K (item 17 less item K)
681,751,157
Total Interest Expense (Sum of items 6 8)
1,168,336
Share Certificates
2,626
Number of Accounts for Share Drafts
53,927
IRA KEOGH Accounts
1,390
Number of Accounts for Regular Shares
63,027
Money Market Shares
1,589
Net Income (unless the amount is already included in Undivided Earnings)
2,812,706
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)
64,560,179
Total Liabilities
712,691,179
Source: NCUA — Last Updated 03/31/2026
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.
Add Your Rating and Review for Smart Financial Credit Union
Frequently Asked Questions About Smart Financial Credit UnionHow 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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