SMART FINANCIAL CREDIT UNION

Welcome to Smart Financial, your trusted community credit union located at 4529 Kingwood Dr Ste 100, Kingwood, TX 77345. Established in 1934, we have dedicated ourselves to serving the financial needs of our members for nearly a century. With a growing membership base of 60,548 and total assets reaching an impressive $843,650,307, we pride ourselves on being a cornerstone of financial support in the Kingwood area. At Smart Financial, our commitment goes beyond just numbers. We understand that financial decisions can be overwhelming, which is why we focus on providing personalized services tailored to meet your unique needs. Whether you're looking for auto loans, mortgage refinancing, or business banking solutions, our team of friendly professionals is here to guide you every step of the way. While members can visit us at our branch address for all their banking needs, any official correspondence should be directed to the same location: 4529 Kingwood Dr Ste 100, Kingwood, TX 77345. Our leadership team is led by CEO LeAnn Kaczynski and Board President Chad Greer, who together foster a culture of trust and reliability within our organization. With a dedicated staff of 197 employees, we're here to ensure that you receive exceptional service every time you interact with us. In addition to our robust financial offerings such as total deposits of $101,339,425 and net worth standing at $85,780,391 we're proud to offer modern conveniences like online and mobile banking for easy access to your accounts anytime and anywhere. Ready to take the next step toward achieving your financial goals? Give us a call at 713-407-8427 or visit our website at Smart Financial today!

Welcome to Smart Financial, a credit union that has been a cornerstone of the Kingwood community since its founding in 1934. With a rich history spanning over eight decades, Smart Financial has grown from humble beginnings into a trusted financial partner for over 60,000 members. Our branch is located at 4529 Kingwood Dr Ste 100, Kingwood, TX 77345, easily accessible and surrounded by the vibrant life of our town. At Smart Financial, our mission is clear: to empower our members with exceptional financial services while supporting the community that supports us. We believe that everyone deserves access to quality banking solutions. From personal banking options like checking and savings accounts to vehicle financing, mortgage loans, and credit cards with rewards, we strive to meet the diverse needs of our members. Over the years, we've made significant strides in enhancing our services through digital advancements and customer-centric initiatives. We offer online banking, mobile payments, and e-statements to ensure you can manage your finances conveniently and securely. Our commitment to accessibility includes ADA compliance so that all members feel welcomed and valued. While our branch's mailing address matches our physical location at 4529 Kingwood Dr Ste 100, official correspondence can be sent there as well. Our dedicated team works hard to maintain a welcoming environment where everyone feels at home. You can reach us at 713-407-8427 during our 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. As we continue to grow now boasting total assets of $843,650,307 we are also dedicated to giving back through various community outreach programs and partnerships. Whether it's financial education workshops or local sponsorships, we believe in investing in the future of Kingwood. Join us at Smart Financial today! Experience firsthand how we blend financial expertise with heartfelt community support. Together, we can build a brighter financial future for you and your family. Explore more about membership options at Smart Financial or visit us in person we're excited to welcome you!

At Smart Financial, we're thrilled to welcome you into our community! Becoming a member is all about connection and support, and we believe everyone deserves that. If you live, work, or worship in the areas we serve, you're likely eligible to join us. We also consider family members of existing members, making it easy for your loved ones to benefit from our services too. For more detailed information on eligibility requirements, feel free to check out our website at http://www.smartcu.org/about-smart/membership . Joining Smart Financial opens the door to a range of financial services tailored just for you, from personal banking to auto loans and credit cards with rewards. Plus, our friendly team is always here to help you navigate your financial journey. Ready to take the next step? Opening an account is simple! Just give us a call at (713) 407-8427 or visit us at our branch located at 4529 Kingwood Dr Ste 100 Kingwood Tx 77345. We can't wait to have you as part of our family!

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 you want to feel confident in your financial institution, and we are proud to share our strong financial standing with you. 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 commitment to sound management is reflected in our $81,243,028 in undivided earnings. These funds allow us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you 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. This dedicated team ensures our branches are always ready to serve you with knowledgeable support. Finally, we are excited about the growth reflected in our total share accounts: 124,466. This number shows the trust that our community places in us as their go-to 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 4529 Kingwood Dr Ste 100 Kingwood Tx 77345 or call (713) 407-8427 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.