Featured Savings Rates
Featured Accounts

SMART Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.86%5-year CD5 Year Certificate
0.56%1-year CD1 Year Certificate
0.05%SavingsSpecial Savings

Overview / Commentary
866-860-0650
3454 N High St.
Columbus, OH 43214

SMART Federal Credit Union is headquartered in Columbus and is the 126th largest credit union in the state of Ohio. It is also the 2,867th largest credit union in the nation. It was established in 1952 and as of September of 2016, it had grown to 7 employees and 4,093 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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Health
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

Overall
NCUA #7772
Year Chartered1952
Employees7
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD1.06%
Annual Interest Income$690.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$31.2MM$30.7MM
LoansQ3 2016vs Q3 2015$13.5MM$12.3MM
DepositsQ3 2016vs Q3 2015$27.5MM$27.0MM
Equity CapitalQ3 2016vs Q3 2015$3.2MM$3.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$103.00K$95.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$136.00K$114.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$50-Youth Certificate
0.05%$100-Regular Share Account
0.05%$100-Christmas Club
0.05%$100-Special Savings

SMART Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$25k*-Money Market
OTHER TIERS: 0.20% $1k - $10k | 0.30% $10k - $25k

SMART Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Checking

SMART Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.86%$1k-5 Year Certificate
1.56%$1k-4 Year Certificate
1.16%$1k-3 Year Certificate
0.76%$1k-2 Year Certificate
0.56%$1k-1 Year Certificate
0.26%$1k-6 Month Certificate

SMART Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$2k-2 Year IRA
0.30%$2k-1 Year IRA
Locations


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