Smart Financial Credit Union Sugar Land TX | Low Mortgage Rates & Business Banking

Introduction

Welcome to Smart Financial in Sugar Land, where your financial well-being is our top priority! Established in 1934, we have proudly served our community for nearly nine decades, building trust and reliability with our members. Located at 9810 Highway 90A, Sugar Land, TX 77478, we invite you to explore the many services we offer, from personal banking to business loans. At Smart Financial, we believe that strong relationships create stronger communities. With a membership of over 60,000, our commitment to helping individuals and families achieve their financial goals shines through. We manage total assets of more than $843 million and maintain a solid net worth of $85,780,391. Our dedication to responsible lending has resulted in an impressive portfolio of 21,136 loans and leases, tailored to meet diverse needs. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 920719, Houston, TX 77027. Our friendly team is here to assist you during our convenient 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. Led by CEO LeAnn Kaczynski and Board President Chad Greer, we are proud of our dedicated staff of 197 employees who work tirelessly to ensure your experience with us is positive and beneficial. Whether you're looking for checking accounts, auto loans, or mortgage refinancing options, we're here to guide you every step of the way. We encourage you to visit our website at smartcu.org for more information about our services or give us a call at 713-850-1600. Experience the Smart Financial difference today where community matters!

Branch History & Mission

At Smart Financial, our journey began in 1934, rooted in the vibrant community of Sugar Land, TX. Over the decades, we have grown from a small credit union into a trusted financial partner for over 60,000 members. Our branch at 9810 Highway 90A is not just a place to conduct transactions; it's a hub where dreams are nurtured and financial goals become reality. Our mission is clear: to provide exceptional financial services while fostering community growth and support. We believe that everyone deserves access to quality banking solutions. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage services, we aim to offer products that fit your needs and empower your financial future. While members can visit us at 9810 Highway 90A Sugar Land Tx 77478, official correspondence should be sent to PO Box 920719, Houston, TX 77027. This allows us to maintain effective communication while serving our community with dedication. Smart Financial has achieved remarkable milestones over the years. Our total assets now stand at an impressive $843650307, reflecting our commitment to stability and growth. We strive to ensure that every member feels valued and supported throughout their financial journey. In addition to providing essential banking services, we prioritize digital advancements such as online banking and mobile payments, ensuring that managing your finances is convenient and accessible. We also take pride in our outreach efforts within the Sugar Land community. Through various partnerships and initiatives, we actively support local organizations and causes that make a difference in people's lives. Our goal is not just about numbers; it's about building relationships and contributing positively to our community's well-being. With operating hours designed to accommodate your busy schedule Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM; Wednesday from 9 AM to 2 PM we invite you to stop by or call us at (713) 850-1600. Our friendly staff is here to assist you with all your financial needs. Join us at Smart Financial and experience firsthand the benefits of being part of a credit union that truly cares. Together, we can help you achieve your dreams while making a lasting impact on our community!

Branch Location & Accessibility

Accessibility and Services

At Smart Financial, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can comfortably access our services. Parking is readily available, so you can easily find a spot when you visit. We offer a range of services designed to meet your banking needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgage refinancing, our team is here to help. Plus, with an ATM on-site and drive-thru banking available for quick transactions, managing your finances has never been more convenient.

Contact Us

Have questions? Feel free to give us a call at 713-850-1600! Our friendly staff is always ready to assist you with anything you need. We invite you to stop by our Sugar Land branch soon your financial future awaits at Smart Financial!

Operating Hours

Our doors are open to serve you with lobby hours from 9 AM to 5 PM on Monday, Tuesday, Thursday, and Friday. On Wednesdays, we open slightly earlier but close at 2 PM. For those who prefer the drive-thru service, it's available during the same hours for your convenience as well.

Member Eligibility

Becoming a member of Smart Financial is like joining a close-knit family that cares about your financial well-being. If you're living, working, or worshipping in the Sugar Land area, you're likely already eligible! We welcome individuals who share our commitment to community and support. You can find all the specific details about eligibility on our website at http://www.smartcu.org/about-smart/membership , which provides a clear overview to help you understand if you qualify. Opening an account is straightforward and welcoming just give us a call at (713) 850-1600 for assistance or stop by our branch located at 9810 Highway 90A Sugar Land Tx 77478. Our friendly team is here to guide you through the process, ensuring that every step feels easy and inclusive. Join us today and experience the benefits of being part of something truly special!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to our loan options, we offer merchant services that simplify payment processing for your business. Imagine a busy Saturday at your café, where customers can easily pay using their preferred methods while you focus on delivering great service. Our merchant services ensure transactions are smooth and efficient, allowing you to spend more time growing your business rather than worrying about payments. Located at 9810 Highway 90A Sugar Land Tx 77478 in Sugar Land, TX, we're here to help you take the next step in your business journey. Reach out today at (713) 850-1600 to explore how we can support your financial needs!

Tailored Loan Solutions

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 local entrepreneurs and businesses in need of support, our Business Banking services include Merchant Services and Business Loans aimed at helping you thrive. Whether you're starting a new venture or expanding an existing one, we provide the resources you need to succeed.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that allow you to manage your accounts anytime, anywhere. You can check balances, make transfers, and even pay bills from the palm of your hand. Plus, with our ATM & Cash Withdrawal Services available at various locations, accessing cash has never been easier.

Credit Cards

Looking for rewards on your everyday purchases? Our Credit Cards with Rewards program allows you to earn points or cashback on purchases, making it easier to treat yourself while managing expenses wisely.

Drive-Thru Services

For those who prefer face-to-face interactions but want to save time, our Basic Drive-Thru Banking offers a quick solution for deposits, withdrawals, and simple transactions without leaving your car. At Smart Financial in Sugar Land, TX, we are dedicated to providing exceptional service and support to all our members. If you have questions or want more information about any of our services, don't hesitate to reach out! Give us a call at 713-850-1600, or visit us online at Smart Financial. Your financial well-being is just a click or call away!

Home Financing

Thinking about purchasing your dream home? With our Mortgage Loans & Refinancing services, we offer competitive rates and flexible terms. Whether you're a first-time homebuyer or looking to refinance your current mortgage for better rates, our dedicated team will guide you every step of the way.

Personal Banking

For those looking to manage their personal finances effectively, our Personal Banking services include Checking and Savings Accounts designed for convenience and flexibility. Imagine effortlessly keeping track of your spending while earning interest on your savings. Additionally, if you're thinking about buying a car or refinancing an existing loan, our Auto Loans & Vehicle Financing options can help you drive away in style without breaking the bank.

Personal Loans

Life can throw unexpected expenses your way. That's where our Personal Loans & Debt Consolidation come into play. Whether it's for medical bills, home repairs, or consolidating debt into one easy payment, we've got you covered with affordable solutions tailored to fit your budget.

Digital & Online Banking

Key Services

With our 24/7 online banking services, you can check your account balance, transfer funds, and pay bills with just a few clicks. No more waiting in line everything you need is at your fingertips! Plus, our mobile application makes banking on the go even easier. Whether you're commuting or enjoying a coffee break, managing your money has never been more straightforward. If you're looking to simplify your transactions, our person-to-person transfer feature allows you to send money quickly and securely to friends or family without any hassle. Need to sign documents? We've got you covered with electronic signature authorization, making it simple to complete paperwork without the need for printing or mailing.

Security and Accessibility

Your security is our top priority. We use advanced technology to keep your information safe while giving you the flexibility you need. You can also opt for e-statements, reducing paper clutter and allowing you to access your statements anytime through our secure online portal. With features like mobile payments available at Smart Financial, making purchases is as easy as tapping your phone. Imagine leaving your wallet behind but still having everything you need right in your pocket! In today's fast-paced world, managing your finances should be simple and stress-free. At Smart Financial, we're committed to providing user-friendly digital banking solutions that fit seamlessly into your life. Join us today and experience the ease of banking at your convenience!

Financial Strength

Commitment to Growth

Our operational efficiency is reflected in our $2,473,748, which enables 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. With a total of 124,466 deposit accounts, our growing member base trusts us with their finances.

Member-Centric Savings

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.

Reinvestment for Better Services

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. Our lending capacity is supported by $6,231 in used auto loans and $531,597,914 in total loans and leases, helping you achieve your financial goals across various sectors.

Solid 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 $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.

Your Trusted 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 9810 Highway 90A Sugar Land Tx 77478 or call (713) 850-1600 to learn more about how we can help you achieve your financial goals.

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. We provide financing for both new and used vehicles, making it easier than ever to drive away in your next ride.

Business Financing

For business owners, our outstanding commercial loans totaling $115,181,301 provide the capital needed to grow and expand. Whether you need funding for equipment or working capital, we are here to support your business aspirations. If you're interested in any of these loan products or want more information about eligibility and refinancing options, feel free to reach out. You can contact us at 713-850-1600 or visit us at 9810 Highway 90A Sugar Land Tx 77478. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Smart Financial, we're dedicated to providing you with the tools and resources necessary for achieving your financial goals.

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 offer tailored solutions that fit your financial situation and goals. If you're considering refinancing your current mortgage, we have options available that could lower your monthly payments and save you money in the long run.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although we currently have no outstanding unsecured credit card loans, our commitment to helping members manage their finances effectively remains strong. Our credit card offerings are designed to give you purchasing power while keeping repayment manageable.

Loan Aggregator

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SMART FINANCIAL CREDIT UNION - Sugar Land, TX