Become a

Membership gives you access to a full range of banking products, services and tools that will help you live your best life.

Become a Member

Be Smart. Join In!

Since 1934, Smart Financial has been focused on people, not profits. Our entire staff is united in its passion to provide superior service to every member-owner. Our purpose is to be a resource, giving back to the community we serve, all while helping valued member-owners like you with your financial needs.

All it takes is a five dollar opening deposit and a five dollar entrance fee to become a member. Smart Financial is committed to giving back, and this entrance fee is used to support the local communities through scholarships, sponsorships, and more.

Who Can Join?

When you join, you become a part owner in a financial institution that exists solely for the purpose of providing you with the highest quality of financial services. The following are approved for membership:

People who live, work, or attend school in Brazoria, Fort Bend, Harris or Montgomery Counties, Texas

Businesses located in Brazoria, Fort Bend, Harris or Montgomery Counties, Texas

Become A Member of the
Smart Financial Family

Smart Financial is ready to help you make Smart choices about your money and your future. Be Smart and join the Smart Financial Family!


Everyone has different financial needs. Explore the variety of products and services that best fit you financial needs.


Complete the application to join and set up your new accounts or visit one of our 13 convenient branches across the Houston area.


After completing your application, the Smart team will review your application ASAP!


Welcome to the Smart Financial family! In addition to great products, explore the benefits of your Smart Membership