Smart Financial Credit Union Pearland TX | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to Smart Financial, your trusted partner in banking since 1934! Located at 3060 Kirby Dr, Pearland, TX 77584, we are dedicated to serving our vibrant community with a wide range of financial services tailored to meet your needs. With over 60,000 members and total assets amounting to an impressive $843,650,307, we pride ourselves on being a reliable resource for both personal and business banking. At Smart Financial, we understand that your financial journey is unique. That's why our team, led by CEO LeAnn Kaczynski and Board President Chad Greer, is committed to providing personalized support and guidance every step of the way. Whether you're looking for checking accounts, auto loans, mortgage solutions, or business financing options, our experienced staff is here to help you navigate your choices confidently. While members can visit us at our Pearland branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 920719, Houston, TX 77292. Our branch is equipped with modern amenities including ATM services and online banking features that allow you to manage your finances conveniently from anywhere. With total deposits reaching $101,339,425 and a net worth of $85,780,391, we are not just a credit union; we're a pillar of financial strength in the community. Our commitment extends beyond numbers; it's about making a positive impact on the lives of our members through exceptional service and community engagement. We invite you to explore what Smart Financial can offer you! Call us today at 713-407-8530 or visit our website at Smart Financial to learn more about how we can assist you in achieving your financial goals. Your journey towards smarter financial decisions starts here!

Branch History & Mission

Community Focus

We take pride in being more than just a financial institution; we're an integral part of Pearland's fabric. Through partnerships with local organizations and participation in community events, we strive to give back and support those around us. Whether it's sponsoring youth sports teams or hosting financial education workshops, Smart Financial is dedicated to making a positive impact.

Join Us

We invite you to experience the benefits of being a member of Smart Financial. With operating hours designed for your convenience Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM; Wednesday from 9 AM to 2 PM; Saturday from 9 AM to 2 PM we're here when you need us most. Plus, with ATM availability on-site for quick cash withdrawals and basic banking services, managing your finances has never been easier. Join us today at Smart Financial! Call us at 713-407-8530 or visit our website for more information about becoming a member. Together, let's build a brighter future for you and our community!

Our Mission

At Smart Financial, our mission goes beyond just providing financial services; we aim to uplift the communities we serve. We believe in fostering strong relationships with our members by offering personalized service and actively participating in local events and outreach programs. Our goal is to empower individuals and families by promoting financial literacy and supporting local initiatives. While you can visit us at 3060 Kirby Dr, please note that official correspondence should be directed to our mailing address: PO Box 920719, Houston, TX 77292.

Our Story

From our humble beginnings, Smart Financial has evolved into a modern credit union committed to serving our members' needs. Our journey reflects dedication to community banking principles and a focus on providing affordable financial services. We understand that each member's financial journey is unique, which is why we offer a wide range of products from checking accounts and auto loans to mortgages and business banking solutions. As we have grown, so too has our commitment to innovation. We embrace technology while ensuring that our services remain accessible to everyone. Whether it's through our online banking platform or mobile app, we make it easy for you to manage your finances anytime and anywhere. Our branch is also ADA compliant, ensuring all members can access our facilities without barriers.

Branch Location & Accessibility

Call to Action

We invite you to come see how we can help you achieve your financial goals. Give us a call at 713-407-8530 or stop by our Pearland location today! We look forward to serving you!

Operating Hours

Our lobby hours are designed to fit your busy schedule. Join us Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM, and on Wednesday from 9 AM to 2 PM. We're also open on Saturdays from 9 AM to 2 PM for those who prefer weekend banking.

Parking and Accessibility

When you visit us, you'll find ample parking available right outside our doors. We prioritize accessibility for all members, ensuring that our branch meets ADA standards with features like ramps and clear pathways. Your comfort is important to us!

Services Offered

At Smart Financial, we offer a variety of services including personal banking options like checking and savings accounts, as well as auto loans and mortgage refinancing. We also have credit cards with rewards and business banking solutions. If you need cash quickly, our ATM is always available for your convenience. While members can visit us at 3060 Kirby Dr for all banking needs, official correspondence should be sent to our mailing address: PO Box 920719, Houston, TX 77292.

Member Eligibility

At Smart Financial, we believe that becoming a member is like joining a family where everyone supports each other. If you're looking to enjoy the benefits of personalized banking and community-focused services, membership is just around the corner! To qualify, you simply need to live, work, worship, or attend school in the areas we serve. It's our way of welcoming you into our close-knit community. We encourage you to check out all the specific eligibility criteria on our website at http://www.smartcu.org/about-smart/membership for the most up-to-date details. Joining is easy! Once you're ready to become part of Smart Financial, head over to our website or give us a call at (713) 407-8530 for guidance on opening your account. Located at 3060 Kirby Dr Pearland Tx 77584, we're here to help you every step of the way. Enjoy access to a range of services designed with your needs in mind, from checking accounts to auto loans and beyond. We can't wait to welcome you as a member!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having the tools to accept payments easily and efficiently. Our merchant services provide everything from payment processing solutions to point-of-sale systems that fit your business needs. Picture this: a busy Saturday at your shop, where customers are lining up. With our services, you can process transactions quickly, keeping your customers happy and your lines moving. Located at 3060 Kirby Dr Pearland Tx 77584, Pearland, TX, we're here to partner with you on your journey to success. For more information, give us a call at (713) 407-8530. Let's grow together!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking

For our business members, Smart Financial provides comprehensive Business Banking solutions including Merchant Services & Business Loans. We recognize that running a business comes with unique challenges, and our dedicated team is here to support your financial needs.

Credit Options

When it comes to credit, we offer attractive Credit Cards with Rewards that allow you to earn points on your everyday purchases. This can be especially beneficial for those who want to maximize their spending power while enjoying great perks.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking platforms. You can manage your accounts from anywhere using your smartphone or computer. Whether it's checking balances, transferring funds, or making payments via our ATM & Cash Withdrawal Services, we ensure that banking with us is straightforward and efficient.

Member Support

Your financial journey is important to us. If you have questions or need assistance, don't hesitate to reach out at 713-407-8530. Our team at Smart Financial is here to guide you through every service we provide, ensuring a personalized experience tailored just for you. Located conveniently at 3060 Kirby Dr Pearland TX 77584, we invite you to visit us during lobby hours: Monday, Tuesday, Thursday, and Friday from 9 AM - 5 PM; Wednesday from 9 AM - 2 PM; and Saturday from 9 AM - 2 PM. Explore all the ways Smart Financial can help you achieve your financial dreams! For more information about our services or to become a member today, visit us online at Smart Financial.

Personal Banking

We understand that managing personal finances can be a challenge, which is why our Personal Banking services are tailored to support you every step of the way. From Checking & Savings Accounts that help you save for what matters most, to Auto Loans & Vehicle Financing that make it easier to get behind the wheel of your dream car, we've got you covered. If you're looking to purchase a home or refinance your existing mortgage, our Mortgage Loans & Refinancing options provide competitive rates and flexible terms. Additionally, if you need extra cash for unexpected expenses or debt consolidation, our Personal Loans offer an accessible solution.

Digital & Online Banking

Key Services

One of the standout features is our online banking platform, which allows you to manage your accounts in real time. Whether you're checking balances, paying bills, or transferring funds, everything is just a few clicks away. Plus, with electronic signature authorization available, signing documents online is straightforward and secure. For those who prefer a paperless approach, we offer e-statements to keep your financial records organized and accessible without the clutter. Staying on top of your finances has never been easier! Our mobile application takes this convenience a step further. You can make mobile payments effortlessly, ensuring you're always ready to handle transactions on the go. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick.

Security & Accessibility

At Smart Financial, your security is our priority. We implement robust security measures so you can bank confidently from home or while out and about. The user-friendly interface of our online services ensures that everyone, regardless of tech-savviness, can navigate their accounts easily. In summary, whether you're using our mobile app or accessing your account through our website at https://www.smartcu.org/ , you'll find that our digital banking services are tailored to fit your lifestyle making banking not just easier but also more enjoyable. Experience the freedom of managing your finances from anywhere with Smart Financial!

Financial Strength

Commitment to Growth

Our dedication to serving you extends beyond just numbers. 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. We also support our community with $6,231 in used auto loans and $531,597,914 in total loans and leases, which help you achieve your financial goals across various sectors.

Growing Member Base

We are proud to have a strong community of trust reflected in our total share accounts: 124,466. This growing member base shows that more people are choosing Smart Financial as their 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 3060 Kirby Dr Pearland Tx 77584 or call (713) 407-8530 to learn more about how we can help you achieve your financial goals.

Operational Excellence

Our commitment to operational efficiency is evident with a net income of $2,473,748, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 193 full-time employees and 4 part-time employees who are always ready to assist you with a knowledgeable and committed team.

Secure Savings Options

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.

Solid Financial Foundation

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.

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 purchasing a brand-new vehicle or a reliable used one, we have flexible financing options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $115,181,301 provide the capital needed to grow and expand your business operations. We recognize the importance of having access to funds when you need them most. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're interested in refinancing or exploring eligibility options for any of our loan products, feel free to reach out to us at 713-407-8530. Our team is here to guide you through every step of the process and ensure that you find the best solution tailored just for you. At Smart Financial, we are committed to supporting our members with transparent lending practices and exceptional customer service. Visit us today or check out more details online at Smart Financial to see how we can assist you!

Credit Lines and Unsecured Loans

For those looking for flexibility in their borrowing options, we also offer credit lines totaling $347,937,355 to meet your personal or business needs. Additionally, our unsecured credit card loans allow you to manage your finances effectively with a total of $0 in loans available right now.

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 various terms and conditions to help you navigate the path to owning your home.

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 rigorous sourcing guarantees that users receive fair and transparent offers. With LendMesh, you can trust that the comparisons are not only current but also reflect legitimate financial products.

SMART FINANCIAL CREDIT UNION