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Smart Financial Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.smartcu.org
713-850-1600
6051 N Course Dr
Houston, TX 77072

Smart Financial Credit Union is headquartered in Houston and is the 47th largest credit union in the state of Texas. It is also the 547th largest credit union in the nation. It was established in 1934 and as of December of 2024, it had grown to 191 employees and 60,531 members at 13 locations. Smart Financial Credit Union's money market rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Smart Financial Credit Union of Illinois is open to those who live, work, or attend school, or businesses in the Texas counties of Brazoria, Fort Bend, Harris, and Montgomery.
See current membership details

Reviews (1)

AWFUL CREDIT UNION - STAY AWAY

Posted by: |

HORRIBLE service AGAIN. They have restricted my access to my own money by deactivating my debit/credit card and NOT providing a replacement if after I have repeatedly requested one. They have told me time and time again that they have ordered it. Went in to the branch and the manager's only solution was for me to close my account and then yelled that she was not going to tolerate the disrespect I had shown because I wadded up the sticker note and threw it on her desk when she said that her boss couldn't do anything either. It's my money and they have denied me access to it repeatedly. This isn't the first time they have done this with the debit card! DON'T USE THEM.

1


Health
B

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #67927
Year Chartered1934
Employees191
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD2.42%
Annual Interest Income$36.7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$783.4MM$850.3MM
LoansQ4 2024vs Q4 2023$547.1MM$529.3MM
DepositsQ4 2024vs Q4 2023$682MM$718.4MM
Equity CapitalQ4 2024vs Q4 2023$85MM$74.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$5.2MM$2.5MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$10.2MM$1.1MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.30%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/22/2025
3.60%
Our Rating
4.2  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 Financial Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$100-Share (Savings)
0.20%$100-Business Share Savings

Smart Financial Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-Money Market Account
OTHER TIERS: 0.25% → $0 - $2.5k | 0.35% → $2.5k - $10k | 0.50% → $10k - $25k | 1.00% → $25k - $50k | 1.50% → $50k+
1.50%*$50k*-Business Money Market
OTHER TIERS: 0.40% → $5k - $25k | 1.00% → $25k - $50k

Smart Financial Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$2.5k*-Smart Premier Checking
OTHER TIERS: 0.05% → $0 - $2.5k

Smart Financial Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$100k-Business 12 Month Jumbo CD
3.85%$100k-12 Month Jumbo CD
3.80%$50k-Business 12 Month Mini Jumbo CD
3.80%$50k-12 Month Mini Jumbo CD
3.75%$1k-Business 12 Month CD
3.75%$1k-12 Month CD
3.60%$100k-Business 24 Month Jumbo CD
3.60%$100k-24 Month Jumbo CD
3.55%$50k-Business 24 Month Mini Jumbo CD
3.55%$50k-24 Month Mini Jumbo CD
3.50%$1k-Business 24 Month CD
3.50%$1k-24 Month CD
3.10%$100k-Business 60 Month Jumbo CD
3.10%$100k-36 Month Jumbo CD
3.10%$100k-48 Month Jumbo CD
3.10%$100k-60 Month Jumbo CD
3.05%$50k-Business 60 Month Mini Jumbo CD
3.05%$50k-36 Month Mini Jumbo CD
3.05%$50k-48 Month Mini Jumbo CD
3.05%$50k-60 Month Mini Jumbo CD
3.00%$1k-Business 60 Month CD
3.00%$1k-36 Month CD
3.00%$1k-48 Month CD
3.00%$1k-60 Month CD
2.60%$100k-Business 6 Month Jumbo CD
2.60%$100k-6 Month Jumbo CD
2.55%$50k-Business 6 Month Mini Jumbo CD
2.55%$50k-6 Month Mini Jumbo CD
2.50%$1k-Business 6 Month CD
2.50%$1k-6 Month CD

Smart Financial Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$1k-12 Month IRA
3.60%$1k-24 Month IRA
3.10%$1k-36 Month IRA
3.10%$1k-48 Month IRA
3.10%$1k-60 Month IRA Special
2.25%*$100k*-IRA Savings
OTHER TIERS: 0.50% → $0 - $2.5k | 0.60% → $2.5k - $10k | 0.75% → $10k - $25k | 1.25% → $25k - $50k | 1.75% → $50k - $100k
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