Welcome to smart-financial, a trusted financial partner established in 1934. With our headquarters nestled in the vibrant city of Houston, TX, we are committed to serving our members with an unwavering dedication to community empowerment and financial well-being. Under the leadership of CEO LeAnn Kaczynski and Board President Chad Greer, we strive to provide exceptional service tailored to the unique needs of our diverse membership, including military members and their families.

At smart-financial, we prioritize accessibility and modern banking solutions. Our offerings include robust online banking, a user-friendly mobile application, P2P transfers, e-statements, mobile payments, and electronic signature authorization, ensuring that our members can manage their finances conveniently and securely. As an NCUA-insured institution since 8/14/1992 0:00, we emphasize trust and security in every interaction, allowing our members to bank with confidence. For more information about how we can support your financial journey, visit us at https://www.smartcu.org/ or reach out via fax at . Join us today and experience the member-first approach that sets us apart in the financial landscape.

Smart Financial offers a comprehensive suite of financial services designed to meet the diverse needs of its members. With an emphasis on personal banking, the credit union provides a range of solutions including checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, as well as personal loans for debt consolidation. For business owners, Smart Financial extends its services to merchant services and business loans, ensuring that small businesses have the financial support they need to thrive. Members can easily access their accounts through online banking and a user-friendly mobile application, enabling seamless management of their finances anytime, anywhere.

In today's digital age, Smart Financial understands the importance of providing convenient tools that enhance everyday banking experiences. Members benefit from features like person-to-person transfers, mobile payments, e-statements, and electronic signatures, all aimed at making financial transactions smoother and more efficient. Whether planning for life milestones or managing day-to-day expenses, these resources empower members to take control of their financial journeys with confidence. To find out if you qualify for membership and to explore the various offerings available, visit http://www.smartcu.org/about-smart/membership . Additionally, those interested in comparing loan options or checking rates can utilize https://www.lendmesh.com/loans/personal_loans for a comprehensive overview. For personalized assistance or inquiries, feel free to reach out via ; the dedicated team at Smart Financial is always ready to help you navigate your financial needs with care and expertise.

Smart Financial is more than just a financial institution; it’s a trusted partner in your financial journey. With a strong total membership of 60,548, Smart Financial has built a community that thrives on trust and shared success. The credit union boasts impressive total assets amounting to 843,650,307, reflecting its stability and reliability in the ever-changing financial landscape. This robust asset base supports the needs of its members, ensuring access to essential financial services.

The strength of Smart Financial is further underscored by its net worth of 85,780,391 and a commendable net worth ratio of 1,014. These metrics indicate a solid foundation, providing peace of mind for members who seek a safe place for their savings. Furthermore, Smart Financial has demonstrated consistent performance with a net income of 2,473,748, which reinforces its ability to invest back into the community and offer enhanced services.

Members can take comfort in knowing that Smart Financial has total deposits reaching 101,339,425. This significant amount reflects the trust that members place in the credit union, allowing them to save securely while earning competitive interest rates. In addition, with total loans and leases numbering at 21,136, Smart Financial stands ready to assist members with various borrowing needs—from auto loans to personal loans—ensuring they have the necessary resources for their goals.

With a dedicated workforce of 197 employees, Smart Financial emphasizes personalized service, making each member feel valued and understood. The credit union's commitment to excellence extends beyond numbers; it’s about creating lasting relationships that foster growth and security.

Smart Financial is dedicated to providing diverse loan options, including an auto loan volume of 12,462 and commercial loans totaling 72. This breadth of offerings allows members to find tailored solutions for both personal and business financing needs while ensuring responsible lending practices are upheld with total borrowings capped at 60,000,000.

The performance insights and financial data provided here are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov . If you’re ready to explore your financing options further, compare real-time loan offers today at https://www.lendmesh.com/loans/personal_loans and discover the best rates tailored just for you.