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

SMART Federal Credit Union is headquartered in Columbus and is the 123rd largest credit union in the state of Ohio. It is also the 2,817th largest credit union in the nation. It was established in 1952 and as of June of 2018, it had grown to 5 employees and 3,849 members at 2 locations. SMART Federal Credit Union's CD rates are 17% higher than the national average, and it 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 - YTD0.33%
Return on Equity - YTD3.33%
Annual Interest Income$496.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$32.5MM$31.5MM
LoansQ2 2018vs Q2 2017$10.9MM$13.0MM
DepositsQ2 2018vs Q2 2017$28.6MM$27.8MM
Equity CapitalQ2 2018vs Q2 2017$3.2MM$3.2MM
Loan Loss AllowanceQ2 2018vs Q2 2017$105.00K$116.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$60.00K$12.00K
Real Estate OwnedQ2 2018vs Q2 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

0.50%*$25k*-Money Market
OTHER TIERS: 0.30% $1k - $10k | 0.40% $10k - $25k

SMART Federal Credit Union Checking Account Rates


SMART Federal Credit Union CD Rates

2.27%$1k-5 Year CD
2.07%$1k-4 Year CD
1.76%$1k-3 Year CD
1.56%$1k-2 Year CD
1.05%$1k-1 Year CD
0.60%$50-6 Month Youth CD
0.45%$1k-6 Month CD

SMART Federal Credit Union IRA Rates

1.31%$2k-2 Year IRA
0.85%$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

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