Smart Financial Credit Union Conroe TX | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Smart Financial, your trusted partner in banking located at 3201 W Davis St, Conroe, TX 77304. Since our establishment in 1934, we have proudly served our community and built lasting relationships with our members. With a total membership of over 60,000 and assets exceeding $843 million, we are committed to providing personalized financial solutions that empower you to achieve your goals. At Smart Financial, we understand that your financial needs are unique. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and business banking options. Our goal is to help you manage your money effectively while ensuring you receive the support you deserve from our dedicated team of 197 employees. Our leadership team is led by CEO LeAnn Kaczynski and Board President Chad Greer, who both share a passion for fostering a positive community impact through accessible financial services. We take pride in maintaining strong financial health with a net worth of $85,780,391 and total deposits reaching $101,339,425. With cash in hand amounting to $6,426,211, we are well-equipped to meet the needs of our members. While members can visit us at our Conroe branch for friendly service or conduct transactions via our convenient drive-thru and ATM facilities, official correspondence should be directed to our mailing address: PO Box 920719, Houston, TX 77292. We invite you to explore how Smart Financial can enhance your banking experience. Whether you're looking for financing options or need assistance managing your accounts, don't hesitate to reach out. Call us today at 713-850-1600 or visit our website at smartcu.org to learn more about what we offer. Your financial success is just around the corner!

Branch History & Mission

Welcome to Smart Financial in Conroe, Texas! Since our doors opened in 1934, we have proudly served our community with dedication and care. Starting as a small credit union, we've grown into a trusted financial partner for over 60,000 members. Our journey has been one of commitment to financial education and community support, enabling us to provide services that meet the diverse needs of those we serve. Located at 3201 W Davis St, Conroe, TX 77304, our branch is easily accessible and surrounded by vibrant local landmarks. Whether you're visiting us for personal banking or business services, you'll find our team ready to assist you with a smile. Our mission is simple yet powerful: to empower our members through exceptional financial services while fostering a strong sense of community. We believe in creating lasting relationships with our members by offering personalized solutions that help them achieve their financial goals. At Smart Financial, we have achieved significant milestones over the years. With total assets exceeding $843 million, we are well-equipped to provide a wide range of services including checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our drive-thru service and ATM availability ensure convenience for all your banking needs. While members can visit us at 3201 W Davis St, official correspondence should be sent to PO Box 920719, Houston, TX 77292 if needed. Our operating hours are designed to accommodate your busy schedule: Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM; Wednesday from 9 AM to 2 PM; and Saturday from 9 AM to 2 PM. Our mission extends beyond just providing financial products; it's about giving back to the community. We actively participate in outreach efforts that support local initiatives and foster economic growth within Montgomery County and beyond. We also embrace modern banking technology with online and mobile banking options that make managing your finances easier than ever. As we look forward to continuing our legacy of service, we invite you to join Smart Financial. Experience the difference of being part of a credit union that truly cares about its members and community. Visit us today or call us at 713-850-1600 for more information on how we can help you achieve your financial dreams!

Branch Location & Accessibility

Convenient Access and Features

At Smart Financial, we understand that accessibility matters. Our location is equipped with ADA-compliant features, including ramps for those who may need extra assistance. We offer ample parking spaces right outside the branch, so you can pop in without any hassle. Our operating hours are designed with your busy schedule in mind. You can visit us during lobby hours on Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM. If you prefer a midweek visit, we're also open Wednesday from 9 AM to 2 PM. For those who like the convenience of drive-thru banking, we have that covered too! Enjoy our drive-thru services during the same hours as our lobby.

Let’s Connect!

Have questions? Don't hesitate to call us at 713-850-1600; we're here to help! We invite you to stop by and experience our welcoming environment firsthand. At Smart Financial in Conroe, we're dedicated to serving our community with care and commitment. We look forward to seeing you soon!

Services Tailored for You

Smart Financial provides a range of banking services tailored to meet your needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans or mortgages, we've got you covered. Plus, if you need quick access to cash, our ATM is available on-site for your convenience. While members can visit us at our branch address, official correspondence should be sent to PO Box 920719, Houston, TX 77292 if you ever need to reach us via mail.

Member Eligibility

At Smart Financial, we believe that becoming a member means joining a warm and welcoming community that supports your financial journey. If you're looking to be part of something special, eligibility is straightforward! Generally, anyone who lives, works, or worships in the Conroe area can apply. We also extend membership to immediate family members of existing members, making it easy for you to share the benefits with loved ones. For those who are curious about specific eligibility criteria, we encourage you to check out more details at http://www.smartcu.org/about-smart/membership. Opening an account at Smart Financial is designed to be simple and inclusive. Our friendly staff is here to guide you through every step of the process, ensuring you feel comfortable and informed. Whether it's setting up your first savings account or exploring loans tailored to your needs, we're committed to helping you thrive financially. Ready to take the next step? Give us a call at (713) 850-1600, or visit us at our branch located at 3201 W Davis St Conroe Tx 77304. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $69 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $115,181,301, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

In addition to loans, we offer practical merchant services that simplify daily transactions. Picture this: seamless payment processing allows you to focus more on serving your customers and less on paperwork. From point-of-sale systems to online payment solutions, we make it easy for you to manage your finances while enhancing customer satisfaction. Located at 3201 W Davis St Conroe Tx 77304 in Conroe, TX, our team is ready to partner with you on your journey toward success. Call us today at (713) 850-1600 to learn how we can help your business flourish!

Comprehensive List Of Services

Business Banking Solutions

Are you a small business owner? At Smart Financial, we understand the unique challenges faced by businesses today. Our Business Banking services include everything from Merchant Services to tailored Business Loans, ensuring that your business has the financial support it needs to thrive.

Convenient Access

We also pride ourselves on making banking accessible through our ATM and cash withdrawal services. Enjoy the ease of using our drive-thru service for deposits, withdrawals, and simple transactions without leaving your vehicle. Our ATMs are available for quick access to cash and balance checks whenever you need them. At Smart Financial in Conroe, we're here for all of your banking needs from personal finance solutions to business support. If you're ready to take advantage of these comprehensive services or have any questions about how we can assist you further, please reach out! Call us at 713-850-1600 or visit us online at Smart Financial. We look forward to helping you achieve your financial goals!

Credit Cards with Rewards

For members who enjoy benefits while spending, we offer Credit Cards with Rewards that allow you to earn points on purchases. These points can be redeemed for various rewards, giving you more value from your everyday spending.

Loans Tailored for You

If you're considering buying a new car or refinancing your home, Smart Financial has got you covered. Our Auto Loans & Vehicle Financing options are designed with competitive rates to make your next vehicle purchase easier. Need a larger investment? Our Mortgage Loans & Refinancing services can help you secure the best rates available. For those unexpected expenses or consolidation needs, our Personal Loans & Debt Consolidation options provide flexibility and support when it's needed most.

Personal Banking

Whether you're starting your first savings account or looking to manage your finances better, our personal banking services are designed for you. We offer Checking & Savings Accounts that help you save for the future while providing easy access to your funds. Imagine being able to manage your accounts effortlessly through our user-friendly Online & Mobile Banking platforms. With features like mobile payments and electronic statements, keeping track of your finances has never been simpler.

Digital & Online Banking

Key Features

We know how vital it is to have features that make banking simpler. That's why we offer electronic signature authorization, allowing you to sign documents quickly and securely without needing to visit a branch. Plus, with e-statements available, you'll receive your account statements electronically helping you save time and reduce paper clutter. If you're always on the move, our mobile application makes banking even easier. You can make person-to-person transfers with just a few taps on your phone. Need to make a payment? Our mobile payments feature allows you to pay merchants directly from your smartphone.

Online Banking Services

With our 24/7 online banking services available at https://www.smartcu.org/, you can check your account balances, view transaction history, and pay bills anytime, anywhere. Our platform is user-friendly and secure, ensuring that your financial information stays safe while you enjoy the convenience of managing your money from the comfort of your own device.

Security and Accessibility

At Smart Financial, we prioritize your security. Our online banking system incorporates advanced encryption technology so you can bank with peace of mind. We also ensure that all our digital services are accessible and straightforward, so you can spend less time worrying about finances and more time enjoying life. In summary, our digital banking solutions at Smart Financial are crafted to empower you with real-time access to your accounts while keeping everything secure. Explore all that we offer by visiting us at https://www.smartcu.org/ today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 124,466, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further emphasize our capability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Smart Financial is your trusted partner. Visit us at 3201 W Davis St Conroe Tx 77304 or call (713) 850-1600 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $59,609,104 in share certificates and $92,762,155 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $2,473,748 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 193 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $81,243,028 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust with $6,231 in used auto loans and $531,597,914 in total loans and leases supporting members' financial goals across various sectors.

Solid Financial Foundation

With a net worth of $85,780,391, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,014 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

A Range of Loan Products

Located at 3201 W Davis St, Conroe, TX 77304, our branch has issued over 21,136 loans. This means we've already helped thousands of members take steps toward their financial aspirations. Our loan products include: - Auto Loans: Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $122,164,260 in used vehicle loans and $53,576,565 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used car, we have options that fit your budget. - Mortgage Loans: Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $15,902,572, making buying or refinancing simple. We aim to provide you with affordable financing solutions tailored to your unique needs. - Unsecured Credit Card Loans: We also offer flexible terms on unsecured credit card loans. Though currently we have not issued any in this category yet, our commitment remains to help members manage their finances effectively when they do choose this option. For those who are exploring refinancing possibilities or checking eligibility for any of our loan products, we invite you to visit us or reach out via phone at 713-850-1600. Our team is ready to assist you with any questions regarding qualifications or the best fit for your financial situation.

Why Choose Us?

Our commitment goes beyond just providing loans; it's about building relationships within our community. We prioritize transparency and aim to make every step clear and manageable for our members. You can also access performance insights and financial data sourced from the National Credit Union Administration (NCUA) at https://www.ncua.gov, based on the latest results. With various options available and competitive rates tailored to meet diverse needs, Smart Financial is here to support you through every stage of your financial journey. Come visit us today and see how we can help turn your plans into reality!

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