Smart Financial Credit Union

Smart Financial Credit Union is a member-owned financial institution headquartered in Houston, Texas. As a credit union, it is dedicated to serving the financial needs of its community members, providing a comprehensive range of personal and business banking solutions. Governed by a member-first philosophy, Smart Financial operates with a focus on delivering value through competitive rates and accessible services, differentiating itself from traditional banks.

The credit union offers a diverse portfolio of loan products, including flexible home financing options like standard mortgages, home equity loans, and HELOCs, as well as competitive auto and personal loans. Smart Financial also emphasizes modern convenience through its robust digital banking capabilities, enabling members to manage accounts, make payments, and access services seamlessly via online platforms and a dedicated mobile app.

Committed to fostering financial well-being, Smart Financial Credit Union also plays an active role in the community, notably through the Smart Financial Foundation and various scholarship programs. As a federally insured institution (NCUA) and an Equal Housing Lender, they uphold high standards of security and fairness, reinforcing their commitment to responsible lending and building lasting relationships with their members.