Smart Financial Credit Union

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A short history of Smart Financial CU

Since its inception in 1934 the Smart Financial Credit Union has been serving its members in the Houston, Texas 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 Larrry Seidl, the Smart Financial CU has grown its membership to over 77,887 with assets of more than $669,071,686. They have a main office and 19 branch offices. Please see the credit unions website or contact them by phone at (713) 850-1600 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 Houston, TX.

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

Charter Number 67927
Address PO Box 920719 
City Houston 
State Texas 
Zip-Code 77292
Phone Number (713) 850-1600
Fax Number () -
Email Address:
CEO/President Larrry Seidl
Members 77,887 
Full-Time Employees 229 
Part-Time Employees 13 
Number of Branch Offices 19 
Total Assets 669,071,686 

Compare Smart Financial Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
People's Trust CU Shell Woodcreek 150 N Dairy Ashford Rd Ste E-0170 77079 (713) 428-3200 No 0.33
Harris County CU Main Office 1400 Franklin St 77002 (713) 755-5160 No 0.46
Houston Police CU Willowbrook Branch 17314 State Highway 249 Ste 107 77007 (281) 469-9657 No 0.66
Kbr Heritage CU KBR HERITAGE FCU 601 JEFFERSON ST # KT-02 77210 (713) 753-3022 No 0.91
St. Stephen's CU St. Stephens FCU 1215 James St 77009 (713) 862-8945 No 1.17

Smart Financial Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Smart Financial 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 9.49 3.99 4.24 3.82 6.55
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 200 279 230 110 395
Rank Among All Texas Credit Unions 44 104 84 26 105

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

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.20 0.20 0.40 0.25
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 108 114 284 266
Rank Among All Texas Credit Unions 35 38 24 97 70
Smart Financial Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.4909,06222,410,561
All Other Unsecured Loans/Lines of Credit 12.49013,54559,175,636
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.9901,59529,974,067
Used Vehicle Loans 4.2407,242107,323,118
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.820874148,876,697
Total Other Real Estate Loans/Lines of Credit 6.5501828,261,550
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.4901,17811,484,952
TOTAL LOANS & LEASES 33,678387,506,581

Smart Financial 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 10720,270,4514911,141,831
    b. 15 Years or less 759127,074,61811322,619,513
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 19,99000
Adjustable Rate > 1 yr 71,521,6381437,000


Closed-End Fixed Rate 1506,840,959221,390,922
Closed-End Adjustable Rate 321,420,591117,956
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 1,056157,138,24718635,607,222


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 Financial 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 Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes