Smart Financial Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Smart Financial Credit Union

Compare Smart Financial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Smart Financial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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.

Overall, Smart Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Smart Financial Credit Union
Main Office
6051 N Course Dr
Houston, TX 77072 1667
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Smart Financial Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Andrews Federal Credit Union
Andrews Federal Credit Union
Online Savings Account (Special)
5.75%
$0
Raymond James
3-Month CD (brokered)
5.40%
$1,000
WCF Financial Bank
WCF Financial Bank
7-Month CD (special)
5.10%
$1,000
Eastern Bank
Eastern Bank
11-Month CD
5.01%
$2,500
Spring Bank Bronx, NY
Spring Bank Bronx, NY
Savings
4.25%
$25
Circuit Federal Credit Union
Circuit Federal Credit Union
12-Month CD share
4.21%
$1,000
Inova Federal Credit Union
Inova Federal Credit Union
60-Month CD
4.00%
$200
Alabama Credit Union
Alabama Credit Union
6-Month CD
4.00%
$500
BluPeak Credit Union
BluPeak Credit Union
9-Month CD Promo Special
3.75%
$1,000
Northrim Bank
Northrim Bank
6-Month CD
3.63%
$500
Kennett Trust Bank
Kennett Trust Bank
12-Month CD
3.50%
$500
Peoples Savings Bank Urbana OH
Peoples Savings Bank Urbana OH
18-Month CD
3.05%
$500
State Bank of Chilton
State Bank of Chilton
24-Month
3.00%
$2,500
Boonville Federal Savings Bank
Boonville Federal Savings Bank
60-Month CD
2.93%
$500
Cendera Bank
Cendera Bank
12-Month CD
2.84%
$1,000
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
36-Month CD certificate
2.60%
$2,500
Profile Bank
Profile Bank
12-Month CD
2.53%
$500
Community Bank Dunlap, IA
Community Bank Dunlap, IA
12-Month CD
2.52%
$500
BankVista
BankVista
24-Month CD
2.51%
$1,000
Chase Bank
Chase Bank
36-Month CD relationship
2.50%
$1,000
First State Bank Randolph, NE
First State Bank Randolph, NE
Secure Plus Checking
2.50%
$75,000
Chartway Credit Union
Chartway Credit Union
12-Month CD
2.35%
$500
Lyndon State Bank
Lyndon State Bank
36-Month CD
2.28%
$100
Maine Community Bank
Maine Community Bank
Money Market
2.25%
$250,000
Ladysmith Federal S&L
36-Month CD
2.12%
$1,000
Prevail Bank
Prevail Bank
36-Month CD
2.12%
$1,000
Enterprise Bank Omaha, NE
Enterprise Bank Omaha, NE
48-Month CD
1.75%
$500
FirstBank of Nebraska
FirstBank of Nebraska
Health Savings Account
1.51%
$100,000
Buena Vista National Bank
Buena Vista National Bank
30-Month CD
1.10%
$500
Eastern Connecticut Savings Bank
Eastern Connecticut Savings Bank
6-Month CD
1.00%
$500
SpiritBank
SpiritBank
12-Month CD
1.00%
$2,500
FNB of Litchfield
FNB of Litchfield
48-Month CD
1.00%
$1,000
Benchmark Community Bank
Benchmark Community Bank
Business Money Market
1.00%
$250,000
Citizens Bank Mooresville, IN
Citizens Bank Mooresville, IN
12-Month CD
0.75%
$500
LNB Community Bank
LNB Community Bank
18-Month CD
0.75%
$500
Savings Bank of Danbury
Savings Bank of Danbury
48-Month CD
0.61%
$500
Magnolia Bank Elizabethtown, KY
Magnolia Bank Elizabethtown, KY
18-Month CD
0.60%
$500
The Andover Bank
The Andover Bank
48-Month CD
0.35%
$1,000
Skowhegan Savings Bank
Skowhegan Savings Bank
24-Month CD
0.30%
$500
North Brookfield SB
North Brookfield SB
12-Month CD
0.25%
$500
Bank of Herrin
Bank of Herrin
Money Market
0.25%
$2,500
North Country Savings Bank
North Country Savings Bank
36-Month CD
0.20%
$1,000
WaFd Bank
WaFd Bank
36-Month CD
0.20%
$1,000
First Community Bank of Hillsboro
First Community Bank of Hillsboro
Interest Checking Account
0.15%
$1,000
Roxboro Savings Bank
12-Month CD
0.15%
$500
Community Bank Zanesville, OH
Community Bank Zanesville, OH
Statement Savings
0.10%
$100
Catskill Hudson Bank
Catskill Hudson Bank
Checking Account
0.07%
$0
The Bank of Bourbonnais
The Bank of Bourbonnais
36-Month CD
0.05%
$500
Washington Financial Bank
Washington Financial Bank
Money Market
0.05%
$2,500
Cambridge Trust Company
Cambridge Trust Company
Personal Money Market
0.01%
$2,500
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Smart Financial Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
1st Northern California Credit Union
1st Northern California Credit Union
15-Year Fixed
5.625%
5.777%
0.500
Navy Federal Credit Union
Navy Federal Credit Union
3/5 Jumbo ARM
5.250%
6.217%
0.250
McCoy Federal Credit Union
McCoy Federal Credit Union
15 Year Fixed
6.000%
6.229%
0.000
First National Bank of Hutchinson
First National Bank of Hutchinson
10-Year Fixed
6.000%
6.280%
0.000
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
5 ARM
6.500%
6.294%
0.000
Addition Financial Credit Union
Addition Financial Credit Union
15-Year Fixed
6.250%
6.434%
0.000
Port Washington State Bank
Port Washington State Bank
15-Year Fixed
6.375%
6.448%
0.000
Pittsford Federal Credit Union
Pittsford Federal Credit Union
20 Year Fixed
6.375%
6.492%
0.000
Golden Belt Bank, FSA
Golden Belt Bank, FSA
20-Year Fixed
6.500%
6.529%
0.000
State Bank of Southern Utah
State Bank of Southern Utah
30-Year Fixed VA
6.250%
6.587%
0.000
Colonial Federal Savings Bank
Colonial Federal Savings Bank
15-Year Fixed Jumbo
6.500%
6.630%
0.000
Sacramento Credit Union
Sacramento Credit Union
20 Year Fixed
6.375%
6.631%
1.000
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
15 Year Fixed Jumbo
6.375%
6.640%
1.000
Finger Lakes Federal Credit Union
Finger Lakes Federal Credit Union
20 Year Fixed
6.625%
6.709%
0.000
San Mateo Credit Union
San Mateo Credit Union
5/5 ARM
6.500%
6.749%
0.000
Shipbuilders Credit Union
Shipbuilders Credit Union
15 Year Fixed
6.625%
6.780%
0.000
Highpoint Community Bank
Highpoint Community Bank
7/1 ARM
6.625%
6.807%
0.000
Morton Lane Federal Credit Union
Morton Lane Federal Credit Union
20 Year Fixed
6.625%
6.818%
0.000
Manasquan Bank
Manasquan Bank
5/6 ARM
6.750%
6.834%
0.000
First Citizens Federal Credit Union
First Citizens Federal Credit Union
10 Year Fixed
6.500%
6.835%
0.000
Morton Lane Federal Credit Union
Morton Lane Federal Credit Union
15 Year Fixed
6.625%
6.866%
0.000
Ontario Shores Federal Credit Union
Ontario Shores Federal Credit Union
15 Year Fixed
6.625%
6.866%
0.000
Range Bank
Range Bank
15-Year Fixed
6.500%
6.870%
0.000
Mid-Atlantic Federal Credit Union
Mid-Atlantic Federal Credit Union
15 Year Fixed
6.875%
6.902%
0.000
Unity Bank
Unity Bank
30-Year Fixed
6.875%
6.908%
0.000
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Smart Financial Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Cash Back
16.100%
ABNB Federal Credit Union
ABNB Federal Credit Union
VISA Preferred
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Starter
17.990%
First Technology Federal Credit Union
First Technology Federal Credit Union
Odyssey Rewards World Elite Mastercard
12.240%
Randolph Brooks FCU
Randolph Brooks FCU
World Cash Back Credit Card Mastercard
18.000%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
University First Federal Credit Union
University First Federal Credit Union
Visa Student Rewards Card
17.990%
705 Federal Credit Union
705 Federal Credit Union
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
Acme Continental Credit Union
Acme Continental Credit Union
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.
ACFCU
ACFCU
Max Cash Preferred Card Visa
19.490% - 29.740%
Get more value with up to 5% cash back in 2 categories you choose.
ACFCU
ACFCU
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
AAEC Credit Union
AAEC Credit Union
VISA Credit Card
11.900%
No annual fee
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Secured
18.000%
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Secured
18.000%
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Traditional
14.240% - 18.000%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
Vystar Credit Union
Vystar Credit Union
Visa Signature® Rewards
17.750%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Platinum
8.900%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power MasterCard
12.740% - 18.000%
1st United Credit Union
1st United Credit Union
Visa Platinum Rewards
14.900%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Visa
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Randolph Brooks FCU
Randolph Brooks FCU
Premier Rate Credit Card Mastercard
12.950% - 18.000%
Acadian Federal Credit Union
Acadian Federal Credit Union
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Smart Financial Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Academic Federal Credit Union
Academic Federal Credit Union
Personal Line of Credit
9.000%
$0
60
The Golden 1 Credit Union
The Golden 1 Credit Union
Credit Starter Loan
16.250%
$0
360 Federal Credit Union
360 Federal Credit Union
Anything Loan
10.990%
$500
36
1st Valley Credit Union
1st Valley Credit Union
Next Step Loan
10.500%
$0
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
11.500%
$0
48 - 48
ACFCU
ACFCU
Line of Credit
13.700%
$0
AT&T Employees Federal Credit Union
AT&T Employees Federal Credit Union
EZ Loan
18.000%
$0 - $500
5
Achieve Financial Credit Union
Achieve Financial Credit Union
Unsecured/Personal Loans
8.990%
$0
Suncoast Credit Union
Suncoast Credit Union
Personal Signature Loan
11.000%
$0
96
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Unsecured (Signature) Loan
11.000%
$0 - $500
America First Federal Credit Union
America First Federal Credit Union
Personal Loan
12.990%
$0
12
Hughes Federal Credit Union
Hughes Federal Credit Union
Signature Loan
13.450%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Signature Loan
7.000%
$500 - $15,000
60
1st Street Credit Union
1st Street Credit Union
50% Share Secured Loan
6.460% - 14.990%
$0
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
12.740%
$0
36
AAEC Credit Union
AAEC Credit Union
Education (tuition bill required)
8.250%
$0
60
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Personal Loan
10.990%
$0 - $10,000
60 - 60
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
Vystar Credit Union
Vystar Credit Union
Personal Loans
10.000%
$0
1 - 36
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Signature Personal Loan
12.650%
$0 - $15,000
1 - 36
University First Federal Credit Union
University First Federal Credit Union
Personal Loans
13.490%
$0 - $5,000
48 - 48
Y-12 Federal Credit Union
Y-12 Federal Credit Union
Signature Loan
12.490%
$0
ACFCU
ACFCU
Gold Star Loan
14.200%
$0
48
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Loan Specials
8.500%
$0 - $6,000
42
Achieve Credit Union
Achieve Credit Union
Personal Loan
8.950%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Smart Financial Credit Union Information

Credit Union Name: Smart Financial Credit Union
Full Time Employees: 190
Part Time Employees: 6
President: Chad Greer
CEO: LeAnn Kaczynski
Branch Locations: 13
ATM Locations: 15
Corporate Office Address:
6051 N Course Dr
Houston, TX 77072 1667
Phone Number: 713-850-1600
Fax Number:

Smart Financial Credit Union Financials

Total Assets:
922,774,414
Total Amount of Shares and Deposits:
732,999,212
Total Shares and Deposits < 1 Year:
719,626,531
Total Shares and Deposits 1 3 Years:
10,014,153
Total Shares and Deposits > 3 Years:
3,358,528
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
18,389,109
Total Uninsured Shares and Deposits > $250K (F+J):
18,389,109
Total Insured Shares and Deposits > $250K (item 17 less item K):
714,610,103
Total Interest Expense (Sum of items 6 8):
5,116,753
Share Certificates:
2,341
Number of Accounts for Share Drafts:
56,106
IRA KEOGH Accounts:
1,561
Number of Accounts for Regular Shares:
67,614
Money Market Shares:
1,841
Net Income (unless the amount is already included in Undivided Earnings):
1,547,168
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
59,066,660
Total Liabilities:
854,538,853
Show More

Smart Financial Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
No
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
Bilingual Services:
1
No Cost Bill Payer:
Yes
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
payment:
Yes
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
Yes
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA

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todays-mortgage-rates-zap-mortgage-refinancingRising interest rates are causing a drop in mortgage refinancing, reversing an upward trend started earlier this year. An upward march of U.S. Treasury yields are causing today's mortgage rates to rise quickly, killing the recent mortgage refinance boom that was brought on my lower rates.
Some consumers in Arizona who are having financial problems so severe they cannot afford to pay their mortgage bills may soon be able to find some relief.

Bank or Credit Union Offers and Deals

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Mortgage Rates Today Increase for the Third Consecutive Week
Money Market Account & Savings Accounts Rates: July 08, 2009
Astoria Bank Money Market Account Rates now at 0.20%
Mutual Security Credit Union Current 2 Year Mortgage Rate of 2.99%
Current Mortgage Rates: June 22, 2009

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