Smart Federal Credit Union

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A short history of Smart FCU

Since its inception in 1952 the Smart Federal Credit Union has been serving its members in the Columbus, Ohio area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Jodi Henricks, the Smart FCU has grown its membership to over 3,962 with assets of more than $31,532,283. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (614) 261-0650 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Columbus, OH.

General Information For Smart FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 7772
Address 3454 N High St. 
City Columbus 
State Ohio 
Zip-Code 43214
Phone Number (614) 261-0650
Fax Number (614) 261-0886
Email Address:
CEO/President Jodi Henricks
Members 3,962 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 31,532,283 

Compare Smart Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
American Chemical Society CU American Chemical Society Federal Credit Union 2540 Olentangy River Rd 43202 (614) 447-3675 No 2.79
State Highway Patrol CU Vital Records 1900 Polaris Pkwy Ste 400 43229 (614) 431-0784 No 3.08
Ohio Healthcare CU MAIN OFFICE 3955 W DUBLIN GRANVILLE RD 43017 (614) 737-6030 No 5.09
Education First Credit Union, Inc. CU Corporate 501 W Schrock Rd 43081 (614) 221-9376 No 5.73
Producers Employees' CU Home Office 8351 N HIGH ST STE 250 43235 (614) 433-2170 No 5.75

Smart Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Smart Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 6.80 2.65 2.65 N/A 4.03
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 38 103 62 N/A 105
Rank Among All Ohio Credit Unions 4 17 7 N/A 14

Smart Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.05 0.25 0.70 0.30
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 143 105 224 259
Rank Among All Ohio Credit Unions 16 28 25 61 65
Smart Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 6.8009191,760,184
All Other Unsecured Loans/Lines of Credit 7.750187804,172
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.65035608,127
Used Vehicle Loans 2.6505045,333,064
Total 1st Mortgage Real Estate Loans/Lines of Credit 0.00000
Total Other Real Estate Loans/Lines of Credit 4.030984,372,259
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.00038111,822
TOTAL LOANS & LEASES 1,78112,989,628

Smart Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 10309,49300
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 884,062,7664162,951
Open-End Fixed Rate 0000
TOTALS 984,372,2594162,951


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Smart Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes