ATTENTION! As we approach the Holidays, scammers may try to spoof SFCU phone numbers in order to gain access to your accounts. DO NOT give out your login information or passcodes. Smart Financial will never call you and ask for sensitive account information. Always verify the identity of the caller by hanging up and calling us back at (713) 850 1600.

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Rates reduced by .50% for the holiday season!

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Smarter Life

Resources to guide you along your financial journey.

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Understanding Net Worth

Net worth is a key financial metric. In simple terms, it reflects what you own versus what you owe. Net worth is often used as a snapshot of one’s overall financial health and long-term wealth accumulation. Learn what it is, how to calculate it, and why it matters.

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How to Talk to Your College Grad About Retirement

Your new graduate is likely focused on landing a job, repaying student loans, and figuring out how to manage daily expenses. You play a role in helping them understand why retirement saving should start now, not later.

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Understanding HELOCs: A Flexible Financial Tool

A Home Equity Line of Credit (HELOC) is a versatile financing option that allows you to tap into your home's equity for various needs, such as home improvements, debt consolidation, or covering unexpected expenses.

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