SMART FINANCIAL CREDIT UNION

At Smart Financial, located at 3325 Westheimer Rd B101, Houston, TX 77098, we believe in the power of community and personal connections. Established in 1934, our credit union has proudly served over 60,000 members, helping them achieve their financial goals with trusted support and tailored solutions. As a member-focused institution, we prioritize your needs, offering a wide range of services from checking and savings accounts to auto loans and business financing. With total assets of $843,650,307 and deposits reaching $101,339,425, we maintain a strong financial foundation to serve you better. Our commitment is reflected in our impressive net worth of $85,780,391 and cash reserves of $6,426,211 ensuring that we can meet the needs of our members now and in the future. Under the leadership of our CEO, LeAnn Kaczynski, and Board President Chad Greer, our dedicated team of 197 employees is here to assist you with personalized service that makes banking straightforward and stress-free. Whether you visit us at our branch or reach out via phone at 713-850-1600, we are always ready to help you navigate your financial journey. While members can visit us at our branch address for all your banking needs, official correspondence should be sent to our mailing address: PO Box 920719, Houston, TX 77292. We invite you to explore how Smart Financial can be your partner in success. Visit our website at smartcu.org today!

Welcome to Smart Financial, a credit union with a rich history and a strong commitment to our community in Houston, TX. Established in 1934, we have been serving the financial needs of our members for nearly 90 years. Our branch, located at 3325 Westheimer Rd B101, Houston, TX 77098, has grown from humble beginnings into a thriving institution that boasts over 60,548 members and total assets amounting to an impressive $843,650,307. From our inception, Smart Financial has focused on providing accessible financial services while supporting local initiatives. Over the decades, we've evolved by embracing technological advancements and customer-centric practices. Today, we offer a wide range of services including personal banking accounts, auto loans, mortgage financing, and business banking solutions. Our commitment to innovation ensures that members can enjoy services like online banking and mobile payments with ease. Our mission is clear: to empower our members through financial education and support while fostering a sense of community. We strive to make financial services inclusive and beneficial for everyone. Whether it's helping families secure their first home or providing businesses with the resources they need to thrive, our focus remains on enhancing the lives of those we serve. While members can visit us at 3325 Westheimer Rd B101, official correspondence should be sent to PO Box 920719, Houston, TX 77292. We invite you to explore our welcoming branch where you can experience personalized service during our operating hours: 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. At Smart Financial, we understand the importance of accessibility. That's why we provide ATM services for your convenience. Although we do not have drive-thru banking at this location or shared service centers nearby, we are dedicated to ensuring that your banking experience is efficient and effective. As part of our ongoing efforts to give back to the community, we actively engage in various outreach programs and partnerships that support local causes. This dedication is what sets us apart as more than just a financial institution; we are a trusted partner in your journey toward financial well-being. We invite you to join Smart Financial today! Experience firsthand how we can help you achieve your financial goals while being part of a community-focused organization. For more information or assistance, feel free to reach out at 713-850-1600 or visit us online at Smart Financial. Together, let's build a brighter financial future!

Welcome to Smart Financial, your trusted credit union located conveniently at 3325 Westheimer Rd B101 in Houston, TX. Nestled in the vibrant community of Harris County, our branch is easily accessible and perfectly situated near popular landmarks that make banking with us a breeze. Whether you're stopping by to manage your accounts or seeking financial advice, we're here to help. While members can visit us at our branch address, official correspondence should be sent to PO Box 920719, Houston, TX 77292. Our location features ample parking for your convenience, ensuring you can easily access our services without any hassle. We pride ourselves on being ADA compliant, offering ramps and other accessibility features to ensure everyone can bank comfortably. Our friendly team is ready to assist you during our operating hours: Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM; and Wednesday from 9 AM to 2 PM. We also open our doors on Saturdays from 9 AM to 2 PM for those who need a little extra time during the weekend. You can reach us directly at 713-850-1600 for any inquiries or assistance. At Smart Financial, we offer a range of services tailored to meet your banking needs from checking and savings accounts to auto loans and personal loans. While we don't have drive-thru service available at this location, we do provide ATM access so you can withdraw cash or check balances quickly and conveniently. We invite you to stop by our branch or give us a call today! Let us show you how easy it is to manage your finances with Smart Financial.

Joining the Smart Financial family means becoming part of a warm and supportive community where your financial goals matter. To become a member, you just need to meet some simple eligibility criteria that cater to individuals who live, work, or worship in specific areas, as well as those related to our current members. It's all about inclusivity! For more detailed information on the eligibility requirements, feel free to check out this resource: http://www.smartcu.org/about-smart/membership . Once you've confirmed that you qualify, opening an account is straightforward and welcoming! You can visit us at our branch located at 3325 Westheimer Rd B101 Houston Tx 77098, or give us a call at (713) 850-1600 if you have any questions or need assistance. We're excited to help you get started on your journey with us at Smart Financial, where we prioritize your financial well-being every step of the way.

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 understand that trust is built through transparency and consistent performance, which is why we want to share insights into our financial health. 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. 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. Furthermore, our lending capacity is robust; with $62,310,000 in used auto loans and $531,597,914 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is evident in our 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, committed team. The strength of Smart Financial is reflected in the trust our growing member base places in us; we currently manage 124,466 total share accounts. This shows not only our capability but also your confidence in choosing us as your financial partner. 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 3325 Westheimer Rd B101 Houston TX 77098 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.