Loan Rates | Savings and Deposit Account Rates | Certificate of Deposit Rates | Fee Schedule

TRUTH-IN-SAVINGS RATES
FOR SHARE (SAVINGS), CLUB, MONEY MARKET, CHECKING,
COLLEGE ADVANTAGE PROGRAM (CAP) ACCOUNTS AND
IRA SAVINGS ACCOUNTS

The rates and fees contained in this Schedule are accurate as of May 1, 2008.  For current information call the Credit Union at (713) 850-1600. This   Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges applicable to your Share (Savings) Accounts, Club Accounts, Money Market Accounts, Checking Accounts, CAP Accounts and IRA Savings Accounts at Smart Financial Credit Union, and is incorporated as part of your Account Agreement with us. *Fees could reduce the earnings on the account.**Rates may change after account is opened. TRUTH-IN-SAVINGS RATE SCHEDULE Account Dividend Rate Interest Rate Annual Percentage  Yield (APY) Minimum Balance Requirements Share (Savings) .75%   .75% $5 to open $100 each day to obtain disclosed APY         Holiday Club .75% .75% $5 to open $25 each day to obtain disclosed APY Vacation Club .75% .75% $5 to open $25 each day to obtain disclosed APY Money Market Plus     $2,500 to open    $0-$2,499.99 .75% on entire balance .75% $2,500 to avoid service fee   $2,500.00-$24,999.99 1.50% on entire balance 1.51%      $25,000.00+ 2.00% on entire balance 2.02%   Preferred Money Market     $50,000 to open    $0-$49,999.99 .75% on entire balance .75%      $50,000+ 2.13% on entire balance 2.15%   CAP Checking Non-Interest Bearing N/A $25 to open Free Checking Non-Interest Bearing N/A $50 to open Superior Checking     $100 to open    $0-$999.99 .25% .25% $1,000 or 55+ years of age to avoid service fee    $1,000+ .35% .35%     IRA (Savings)     $100 to open ($50 w/ payroll deduction)    $0-$2,000.00 1.50% on entire balance 1.51%      $2,000.01-$5,000.00 1.75% on entire balance 1.76%      $5,000.01-$10,000.00 2.00% on entire balance 2.02%      $10,000.01+ 2.75% on entire balance 2.78%