Smart Financial Credit Union Houston TX | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Smart Financial, your trusted partner in banking since 1934! Located at 4411 S Wayside Dr, Houston, TX 77087, we pride ourselves on offering personalized financial services that cater to the unique needs of our community. With a strong membership base of over 60,000 members and total assets exceeding $843 million, we are dedicated to enhancing your financial well-being. At Smart Financial, our commitment goes beyond just numbers. Our leadership team, led by CEO LeAnn Kaczynski and Board President Chad Greer, is passionate about fostering a welcoming environment where every member feels valued. We understand that choosing a financial institution is an important decision, which is why we offer a range of services designed to support your goals from personal banking options like checking and savings accounts to auto loans and business financing. While you can visit us at our branch for all your banking needs, official correspondence should be directed to our mailing address: PO Box 920719, Houston, TX 77292. Our friendly staff is always ready to assist you during lobby hours: Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM, and Wednesday from 9 AM to 2 PM. With total deposits of $101 million and a net worth of $85 million, Smart Financial stands strong in our commitment to providing secure and reliable financial solutions. Our members can also benefit from our extensive online services, allowing you easy access to manage your accounts anytime. Join us as we continue to build a brighter financial future for everyone in our community. Call us at 713-850-1600 or visit our website at Smart Financial today!

Branch History & Mission

Welcome to Smart Financial, a credit union with a rich history and a strong commitment to serving the community of Houston, Texas. Established in 1934, our branch has grown alongside its members, adapting to their financial needs while remaining grounded in our mission to provide accessible and reliable banking services. Located at 4411 S Wayside Dr, Houston, TX 77087, Smart Financial has been a cornerstone in the local community for nearly 90 years. Over this time, we have proudly welcomed over 60,000 members into our family. Our journey began with a simple vision: to support individuals and families by offering affordable financial services that empower them to achieve their goals. As we continue to grow, we remain dedicated to nurturing these relationships and fostering a sense of belonging among our members. Our mission is clear: Smart Financial aims not only to provide excellent financial products like checking and savings accounts, auto loans, and mortgages but also to enhance the quality of life in our community through various outreach initiatives. We believe that when our members succeed, the entire community flourishes. This belief drives us to engage actively in local events and partnerships that uplift those around us. While members can visit us at our branch for all their banking needs whether it's taking advantage of our drive-thru service or using our convenient ATM we also understand the importance of modern banking solutions. That's why we offer online and mobile banking services, ensuring you can manage your finances anytime, anywhere. In addition to traditional banking services, we've made significant strides toward improving accessibility and ensuring compliance with ADA standards. Everyone deserves the opportunity to benefit from financial services without barriers. Our commitment extends beyond just banking; it includes being an active participant in the community. Whether through educational workshops or charitable events, we strive to make a positive impact on those we serve. As we look forward, we invite you to join Smart Financial. Experience firsthand how we can help you achieve your financial dreams while being part of a caring community focused on growth and support. Together, let's build a brighter future! For more information or inquiries, feel free to reach out at 713-850-1600 or visit us online at Smart Financial. We look forward to welcoming you!

Branch Location & Accessibility

Convenient Access and Parking

Our location features ample parking space and is fully accessible for everyone. We take pride in being ADA compliant, ensuring that all members can easily navigate our facilities. If you're visiting during busy hours, rest assured there's enough room to park without any hassle.

Get In Touch

If you have questions or need assistance, don't hesitate to call us at 713-850-1600. Our friendly team is ready to help you with any inquiries you may have. We invite you to visit us soon at Smart Financial's Wayside branch your trusted partner in financial wellness!

Operating Hours That Fit Your Schedule

At Smart Financial, we understand that life can be hectic. That's why our lobby hours are designed to accommodate your schedule: we're open from 9 AM to 5 PM on Monday, Tuesday, Thursday, and Friday; and from 9 AM to 2 PM on Wednesday and Saturday. You can also utilize our drive-thru services during these hours for quick deposits and withdrawals without leaving your car.

Services Offered

Our branch offers a variety of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we have you covered. Need cash? Our ATM is available for your convenience as well. Plus, with drive-thru banking options, completing simple transactions has never been easier!

Member Eligibility

At Smart Financial, we believe that becoming a member is like joining a supportive family where your financial needs are prioritized. If you're wondering about eligibility, we're here to help! You can join us if you live, work, worship, or attend school in our community. We aim to keep things simple and inclusive because we want everyone to have access to our range of services. Plus, as a member, you'll enjoy benefits like lower loan rates and personalized service that truly caters to you. For more detailed information on eligibility criteria, feel free to visit our page at http://www.smartcu.org/about-smart/membership. Ready to take the next step? Opening an account with us is straightforward. Just give us a call at (713) 850-1600, and our friendly staff will guide you through the process. You can also find more about account opening details by visiting our website. Join us at Smart Financial, located at 4411 S Wayside Dr Houston Tx 77087, and experience the difference of being part of a credit union that truly cares about its members!

Business Banking & Commercial Services

Financing Your Growth

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 Work for You

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Imagine a busy day at your store; you can accept payments easily, allowing you to focus on what matters most serving your customers. Our services empower you to manage transactions efficiently, whether online or in-person. Visit us at 4411 S Wayside Dr Houston Tx 77087 in Houston, TX, or call us at (713) 850-1600 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Solutions

We also cater to local businesses with our comprehensive business banking services. From merchant services that make accepting payments easier to tailored business loans designed for growth, we aim to support your entrepreneurial journey.

Convenient Access & Support

Accessing your accounts has never been easier with our robust online and mobile banking platforms. You can perform transactions like deposits and withdrawals through our convenient ATM services or visit us at our drive-thru for quick service. With basic ATM access available for balance checks and cash withdrawals, managing your finances is simple and hassle-free. If you have any questions or need assistance, feel free to reach out at 713-850-1600. Our friendly staff is here to help you navigate through all of our offerings.

Join Us Today!

Ready to experience banking made easy? Visit us at Smart Financial, where we prioritize your financial well-being! Explore more about what we offer by visiting our website at smartcu.org. We look forward to serving you!

Personal Banking Made Easy

When it comes to personal banking, Smart Financial offers an array of options including checking and savings accounts that suit various lifestyles. Imagine having a checking account that allows you to easily access your funds while earning interest on your savings. Our accounts come with online and mobile banking features, so you can manage your money anytime and anywhere perfect for those busy days when you're on the go. For those considering a new vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. Picture driving off in your dream car without breaking the bank! We also offer mortgage loans and refinancing to help you secure the home you've always wanted or reduce your current mortgage payments.

Simplifying Your Financial Journey

At Smart Financial, we understand that life can get hectic. That's why we provide personal loans and debt consolidation solutions to help you take control of your finances. Whether it's unexpected expenses or consolidating multiple debts into one manageable payment, our team is here to assist you every step of the way. Additionally, if you're looking for rewards while spending, our credit cards with rewards can help you earn points for everyday purchases that can be redeemed for travel or merchandise.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.smartcu.org/, you can check your account balance, transfer funds, and pay bills anytime you need. This means no more rushing to the bank during business hours; your finances are always just a click away!

Easy Mobile Access

Our mobile application makes banking even more accessible. Whether you're making purchases or managing your budget, you can do it all from the palm of your hand. Plus, our mobile payments feature allows you to pay for goods and services effortlessly just tap and go!

Seamless Transfers

Need to send money to a friend? Our person-to-person transfer feature allows you to send funds quickly and securely perfect for splitting bills or sharing expenses. At Smart Financial, we strive to make banking not only easier but also safer for you. Explore our digital services today and take control of your finances like never before!

Secure Transactions

We prioritize your security with features like electronic signature authorization, so you can complete transactions confidently without worrying about fraud. Additionally, our e-statements keep your financial records organized and safe while minimizing paper clutter.

Financial Strength

At Smart Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We strive to maintain a strong financial foundation to support our community's needs and foster trust among our members. 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 10.14% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. Our $81,243,028 in undivided earnings allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $62,314,000 in used auto loans and over $531 million in total loans and leases available for lending across various sectors, our lending capacity supports members' financial goals effectively. Our operational efficiency is reflected in our impressive net income of $2,473,748, 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 and committed team. Total share accounts stand at 124,466, showcasing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at $0, indicating a focus on utilizing resources to enhance member services rather than holding excess funds. 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 4411 S Wayside Dr Houston Tx 77087 or call 713-850-1600 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

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 interested in financing a new or used vehicle, our competitive rates and flexible terms make it easy for you to drive home with confidence.

Commercial Loans

For business owners looking for capital to grow and expand, our outstanding commercial loans totaling $115,181,301 provide the necessary support. We are committed to assisting local businesses thrive within our community. At Smart Financial, we pride ourselves on transparent lending practices and personalized service. If you're curious about eligibility or want more information about our loan offerings, don't hesitate to reach out to us at 713-850-1600 or visit our website at smartcu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $15,902,572, make buying or refinancing simple. We provide tailored solutions that fit your budget and financial situation. If you're considering refinancing your existing mortgage for better terms or lower rates, we can guide you through that process as well.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, even though currently we have no outstanding amounts in this category. When available, these loans can help members manage their finances effectively by providing quick access to cash for unexpected expenses or everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This strict adherence to regulatory standards ensures that all offers presented are fair and transparent. Users can trust that the information they receive is accurate and up-to-date.

Smart Financial