SMART FINANCIAL CREDIT UNION

Welcome to Smart Financial, your trusted partner in financial services since 1934! Located at 6727 FM 1463 Rd Ste 100, Katy, TX 77494, we are proud to serve a vibrant community of over 60,548 members. Our commitment is to provide personalized banking solutions that cater to your unique needs. At Smart Financial, our assets total an impressive $843,650,307, reflecting our strong foundation and ability to support you with various services. Whether you're looking for a new auto loan where we've successfully financed over 21,136 loans or exploring mortgage options, our dedicated team is here for you. We also offer competitive rates on savings accounts and deposit services, with total deposits reaching $101,339,425. Under the leadership of our CEO, LeAnn Kaczynski, and Board President Chad Greer, we strive to enhance your banking experience. Our friendly staff of 197 employees is available to assist you during lobby 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. While members can visit us at our branch location in Katy, official correspondence should be sent to our mailing address: PO Box 920719, Houston, TX 77292. At Smart Financial, we're not just about numbers; we care about making a positive impact in our community. With a net worth of $85,780,391 and cash in hand totaling $6,426,211, we are financially equipped to continue providing exceptional service and support for all your financial goals. Ready to take the next step? Visit us online at Smart Financial or give us a call at 713-850-1600. Let's achieve your financial dreams together!

Smart Financial has proudly served the Katy community in Texas since its establishment in 1934. Over the years, we have grown from a small financial institution into a trusted partner for over 60,000 members. Our branch, located at 6727 FM 1463 Rd Ste 100, Katy, TX 77494, stands as a testament to our commitment to providing exceptional service and support to our members. From our humble beginnings, Smart Financial has experienced significant milestones that highlight our dedication to community values and financial well-being. We have expanded our services and increased our total assets to an impressive $843650307, allowing us to offer a wide range of banking solutions tailored to meet the needs of individuals and businesses alike. At Smart Financial, our mission is clear: we strive to provide accessible financial services while actively supporting our local community. We believe in empowering our members with the tools they need for financial success, whether it be through personal banking options like checking and savings accounts or loan services such as auto financing and mortgages. Our vision extends beyond traditional banking; we aim to foster a sense of belonging and trust within the communities we serve. While members can visit us at 6727 Fm 1463 Rd Ste 100 Katy Tx 77494, official correspondence should be sent to PO Box 920719, Houston, TX 77292. Our operating hours are designed to accommodate your busy schedule: Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM, and Wednesday from 9 AM to 2 PM. We also offer ATM availability for your convenience. As we continue moving forward in this digital age, Smart Financial embraces technology that enhances member experiences. With online banking options and mobile payments available, accessing your account is easier than ever. Additionally, our commitment to ADA compliance ensures that all members can enjoy equitable access to our services. Community outreach is at the heart of what we do. We take pride in partnering with local organizations and participating in events that uplift those around us. Through these efforts, we not only support financial literacy but also contribute positively to the lives of individuals in Katy and beyond. Join us at Smart Financial where you will find more than just a credit union; you will discover a community dedicated to your growth and success. Experience firsthand how we can help you achieve your financial goals today! For more information or assistance, feel free to reach out at (713) 850-1600 or visit us online at Smart Financial.

Becoming a member of Smart Financial is like joining a family that truly cares about your financial well-being. Located at 6727 Fm 1463 Rd Ste 100 Katy Tx 77494, we welcome anyone who lives, works, worships, or attends school in our community. It's our goal to provide you with the support and resources you need to thrive. We also open our doors to relatives of existing members, making it easy for you to share the benefits of being part of our credit union. If you're curious about the specific eligibility requirements, feel free to visit this link for all the details. Once you know you're eligible, opening an account is a breeze! Just give us a call at (713) 850-1600 or stop by our branch during business hours. Our friendly team is ready to help guide you through the process and answer any questions you might have. Joining Smart Financial means you'll have access to great services designed just for you, from personal banking options to loans and online banking features that fit your lifestyle perfectly. We can't wait to welcome you into our community!

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 your trust is built on our commitment to maintaining a solid financial foundation, which is why we're proud to share some insights into our financial strength. 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. 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 strength is further illustrated by having $81,243,028 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $6,231 in used auto loans and $531,597,914 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a 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. In summary, with net shares available for lending at $0 and a total of 124,466 accounts, we showcase a strong and growing member base that trusts us with their finances. 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 6727 Fm 1463 Rd Ste 100 Katy Tx 77494 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.