SMART FINANCIAL CREDIT UNION - Houston, TX

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!

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!

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!

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.