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Overview / Commentary
3454 N High St.
Columbus, OH 43214

SMART Federal Credit Union is headquartered in Columbus and is the 124th largest credit union in the state of Ohio. It is also the 2,805th largest credit union in the nation. It was established in 1952 and as of March of 2018, it had grown to 6 employees and 3,886 members at 3 locations. SMART Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees of a list of over 50 schools and organizations in the Columbus, Ohio area.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. SMART Federal Credit Union has a low asset base.

Health Grade Components

NCUA #7772
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD4.34%
Annual Interest Income$242.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$33.0MM$31.4MM
LoansQ1 2018vs Q1 2017$11.6MM$13.4MM
DepositsQ1 2018vs Q1 2017$29.2MM$27.7MM
Equity CapitalQ1 2018vs Q1 2017$3.2MM$3.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$104.00K$109.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$34.00K$51.00K
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SMART Federal Credit Union Savings Account Rates

0.05%$100-Regular Share Account
0.05%$100-Christmas Club
0.05%$100-Special Savings

SMART Federal Credit Union Money Market Rates

0.45%*$25k*-Money Market
OTHER TIERS: 0.25% $1k - $10k | 0.35% $10k - $25k

SMART Federal Credit Union Checking Account Rates


SMART Federal Credit Union CD Rates

2.18%$1k-5 Year Certificate
1.75%$1k-4 Year Certificate
1.56%$1k-3 Year Certificate
1.31%$1k-2 Year Certificate
0.76%$1k-1 Year Certificate
0.60%$50-6 Month Youth CD
0.35%$1k-6 Month Certificate

SMART Federal Credit Union IRA Rates

1.21%$2k-2 Year IRA
0.76%$2k-1 Year IRA

SMART Federal Credit Union Locations
Branch Office6000 28th St SE Ste 100Grand Rapids, MI 49546-6927
Branch Office3454 N High StColumbus, OH 43214
Branch Office490 S Jefferson AvePlain City, OH 43064

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