Smart Financial Credit Union Rates and Review February 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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Smart Financial Credit Union's 12 month 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 Jumbo rates are at 3.60%, 12 month CDs of Deposit 12-month Tier Jumbo rates are at 3.60%, 12 month Business CDs 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 Personal Loan Rates are at 8.74%.
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 by leaving a review below, or read customer reviews before you decide to use . Smart Financial Credit Union Texas RatioSmart Financial Credit Union's Texas Ratio is at 10.10%, which is considered excellent. The Texas Ratio for Smart Financial Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Smart Financial Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Smart Financial Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Smart Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Smart Financial Credit Union
Main Office 6051 N Course Dr
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 Home Equity & HELOC
Smart Financial Credit Union Auto Loan Rates
Smart Financial Credit Union Personal 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 & OverviewCredit Union Name: Smart Financial Credit Union
Website: https://www.smartcu.org
Full Time Employees: 192Part Time Employees: 4 President: Tammie Moore CEO: LeAnn Kaczynski Branch Locations: 12 ATM Locations: 15 Corporate Office Address:
6051 N Course Dr
Houston, TX 77072 1667 Phone Number: 713-850-1600 Fax Number: FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsaZLJ
December 17, 2025
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Frequently Asked Questions About Smart Financial Credit UnionIs a member application needed to join Smart Financial Credit Union?Yes, to access services at Smart Financial Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Smart Financial Credit Union provides a range of mortgage and home equity products. Is Smart Financial Credit Union a safe place to deposit money?Yes, Smart Financial Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Smart Financial Credit Union offer online and mobile banking?Most modern institutions like Smart Financial Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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