Smart Financial Credit Union

Houston, Texas
Last verified: August 4, 2026
Work at Smart Financial Credit Union? Claim this profile →

Verified rate book

Current Smart Financial Credit Union rates

60 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

8 offers
Smart Financial Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
ARM, Landarm8.750% APR8.750%—Standard
3/1 ARM3 1 arm8.750% APR8.750%—Standard
60 Months Tier Jumboother4.100% APR4.100%—Standard
60-month Tier Jumboother4.100% APR4.100%—Standard
Home Loans (5-year)other5.861% APR5.740%—Standard
Home Loans (10-year)other6.057% APR5.990%—Standard
Home Loans (15-year)other6.289% APR6.240%—Standard
Home Loans (20-year)other6.531% APR6.490%—Standard

Auto & vehicle rates

23 offers
Smart Financial Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Up to 36-Month Auto Loanauto_any_36mo3.990% APR3.990%36 moStandard
Auto Loanauto3.990% APR3.990%—Standard
Up to 48-Month Auto Loanauto_any_48mo4.490% APR4.490%48 moStandard
Up to 60-Month Auto Loanauto_any_60mo4.990% APR4.990%60 moStandard
Up to 72-Month Auto Loanauto_any_72mo5.490% APR5.490%72 moStandard
84-Month Auto Loanauto_any_84mo5.990% APR5.990%84 moStandard
Smart Start Auto Loans (Up to 36 months)auto_any_36mo5.990% APR5.990%36 moStandard
Smart Start Auto Loans (Up to 48 months)auto_any_48mo6.490% APR6.490%48 moStandard
Up to 36-Month Motorcycle Loanmotorcycle_any_36mo6.740% APR6.740%36 moStandard
Boat & Leisure Vehicle Loans (Up to 36 months)boat_any_36mo6.740% APR6.740%36 moStandard
RVs & Boatsrv6.740% APR6.740%—Standard
Smart Start Auto Loans (Up to 60 months)auto_any_60mo6.990% APR6.990%60 moStandard
Up to 48-Month Motorcycle Loanmotorcycle_any_48mo7.240% APR7.240%48 moStandard
Boat & Leisure Vehicle Loans (Up to 48 months)boat_any_48mo7.240% APR7.240%48 moStandard
Smart Start Auto Loans (Up to 72 months)auto_any_72mo7.490% APR7.490%72 moStandard
Up to 60-Month Motorcycle Loanmotorcycle_any_60mo7.740% APR7.740%60 moStandard
Boat & Leisure Vehicle Loans (Up to 60 months)boat_any_60mo7.740% APR7.740%60 moStandard
Smart Start Auto Loans (84 months)auto_any_84mo7.990% APR7.990%84 moStandard
Boat & Leisure Vehicle Loans (Up to 72 months)boat_any_72mo8.240% APR8.240%72 moStandard
Up to 72-Month Motorcycle Loanmotorcycle_any_72mo8.240% APR8.240%72 moStandard
Boat & Leisure Vehicle Loans (Up to 84 months)boat_any_84mo8.740% APR8.740%84 moStandard
Boat & Leisure Vehicle Loans (Up to 96 months)boat_any_96mo9.240% APR9.240%96 moStandard
Boat & Leisure Vehicle Loans (Up to 120 months)boat_any_120mo9.740% APR9.740%120 moStandard

HELOC rates

3 offers
Smart Financial Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Loanheloc5.861% APR5.861%—Standard
Cash-out Refinance (1st lien Home Equity)heloc5.861% APR5.740%—Standard
Texas Home Equity (2nd lien)heloc6.970% APR6.740%—Standard

Personal loan rates

10 offers
Smart Financial Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Other Collateralpersonal_secured7.990% APR7.990%—Standard
Texas Home Improvementpersonal_unsecured_60mo8.217% APR7.740%60 moStandard
Up to 24-Month Signature Loanpersonal_unsecured_24mo9.740% APR9.740%24 moStandard
Unsecured Personal Loanpersonal_unsecured10.240% APR10.240%—Standard
Up to 36-Month Signature Loanpersonal_unsecured_36mo10.240% APR10.240%36 moStandard
Up to 48-Month Signature Loanpersonal_unsecured_48mo10.740% APR10.740%48 moStandard
Up to 60-Month Signature Loanpersonal_unsecured_60mo10.990% APR10.990%60 moStandard
Up to 72-Month Signature Loanpersonal_unsecured_72mo11.490% APR11.490%72 moStandard
Personal & Signature Loans (Revolving Line of Credit (Creditline))ploc_variable11.990% APR11.990%—Standard
84-Month Signature Loanpersonal_unsecured_84mo12.490% APR12.490%84 moStandard

Savings & CD rates

14 offers
Smart Financial Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
6-month Tiercd_6mo2.50% APY2.50%6 moStandard
6 Months Tiercd_6mo2.50% APY2.50%6 moStandard
6 Months Tier Mini Jumbocd_6mo2.55% APY2.55%6 moStandard
6-month Tier Mini Jumbocd_6mo2.55% APY2.55%6 moStandard
12 Months Tiercd_12mo3.50% APY3.50%12 moStandard
12 Months Tier Mini Jumbocd_12mo3.55% APY3.55%12 moStandard
24 Months Tiercd_24mo3.60% APY3.60%24 moStandard
24 Months Tier Mini Jumbocd_24mo3.65% APY3.65%24 moStandard
36-month Tiercd_36mo3.65% APY3.65%36 moStandard
48-month Tiercd_48mo3.75% APY3.75%48 moStandard
48-month Tier Mini Jumbocd_48mo3.80% APY3.80%48 moStandard
36-month Tier Mini Jumbocd_36mo3.85% APY3.85%36 moStandard
60-Month Certificatecd_60mo4.00% APY4.00%60 moStandard
60 Months Tier Mini Jumbocd_60mo4.05% APY4.05%60 moStandard

Other rates

2 offers
Smart Financial Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
10-Year U.S. Inflation: Average 1.9%other0.100% %0.100%—Standard
2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)other10.000% %10.000%—Standard

As of August 4, 2026, Smart Financial Credit Union offers a arm mortgage at 8.75% APR. Vehicle loans available from 3.99% APR for 36 months. HELOC rates from 5.861% APR. Personal loan rates from 7.99% APR. Savings and certificate yields up to 4.05% APY.

Source: RateAPI.dev, verified from Smart Financial Credit Union's official website

Loading branch locator…

About Smart Financial Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
59.8K
Assets
$805.8M
Founded
1934
Locations reported
12
NCUA charter
67927
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Bilingual services

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Texas LeeTexas Lee Federal · Houston · TX · 77036-5139About 2.9 miles awayChevronSpecial Event Branch - Briarpark · Houston · TX · 77042-5301About 3.1 miles awayMembers ChoicePhillips66 · Houston · TX · 77042About 3.1 miles awayMembersourceWestchase · Houston · TX · 77042About 3.1 miles awayTexas Dow EmployeesTDECU-Houston · Houston · TX · 77042-3204About 3.1 miles awayTruityHouston Phillips 66 World HQ · Houston · TX · 77042About 3.1 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Smart Financial Credit Union

Membership eligibility from Smart Financial Credit Union's own published criteria. How we verify this.

Community charter: live/work in Brazoria, Fort Bend, Harris +1 more, TX

  • LocationBrazoria, Fort Bend, Harris, Montgomery — TX

Cost to join: About $10 (a $5 membership fee plus a $5 minimum deposit).

Verified from Smart Financial Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Smart Financial Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Smart Financial Credit Union ranks against Texas peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does Smart Financial Credit Union offer?

Smart Financial Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Smart Financial Credit Union rates updated?

RateAPI verifies Smart Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Smart Financial Credit Union's rate data?

Rate data is collected directly from Smart Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Smart Financial Credit Union's mortgage rate?

As of August 4, 2026, Smart Financial Credit Union offers a arm mortgage at 8.75% APR.

What are Smart Financial Credit Union's auto, rv, boat & motorcycle loan rates?

As of August 4, 2026, Smart Financial Credit Union offers vehicle loans from 3.99% APR.

What is Smart Financial Credit Union's HELOC rate?

As of August 4, 2026, Smart Financial Credit Union offers home equity lines of credit from 5.861% APR.

What is Smart Financial Credit Union's personal loan rate?

As of August 4, 2026, Smart Financial Credit Union offers personal loans from 7.99% APR.

What is Smart Financial Credit Union's best CD rate?

As of August 4, 2026, Smart Financial Credit Union offers savings and certificate (CD) yields up to 4.05% APY.

Related Rate Data

Compare Smart Financial Credit Union's rates against national credit-union benchmarks.

More Texas credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Smart Financial Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when Texas credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Smart Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/texas/smart-financial" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude