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HELOC
HELOC

Free up your cash this holiday season.

We extended our lowest rates through the holidays to help you free up cash and breathe a little easier this season. With rates as low as 1.74%* on Auto Refinancing and 5.99%* on Debt Consolidation, now may be the perfect time to restructure your debt and put more cash in your pocket. We offer cashflow solutions for homeowners too. Keep reading!

Reduce your car payments with a low interest refinance.

Refinancing your auto loan at a lower rate can add up to extra cash that can be used elsewhere or put into savings. Calculate what you could save with an Auto Refinance.

Auto Loan rates
as low as

1.74%*

View rates & fees

Terms available for 36, 48, 60, 72 and 84 months*

Get rid of high interest debt with a low interest loan.

Consolidating your credit card or other high interest debt can mean lower monthly payments and more cash in your pocket. Calculate what you could save with a Signature Debt Consolidation Loan.

Signature Loan
rates as low as

5.99%*

View rates & fees

Terms available for 36, 48, 60 and 84 months*

Turn equity in your home into easily accessible funds.

A Home Equity Line of Credit allows you to draw funds from your home's available equity as you need it. Call us today to discuss whether a HELOC is right for you.

Home Equity LOC
rates as low as

1.99%*

3.25% APR*

View rates & fees

Pay interest only for the 1st ten years of the loan.*

Monthly payments on a $30,000 Auto Loan at our low rates

$380 $449 $529
1.74%** for 84 month term (variable) 2.49%* for 72 month term (fixed) 2.24%* for 60 month term (fixed)

The above payment amounts reflect what payments could be if financed at our current interest rates and do not represent all terms available. *See fixed rate disclosure at the bottom of webpage for more information. **Payment amounts will fluctuate as the rate changes during the term of the loan. Your rate will not increase more than 1% every 12 months. See variable rate disclosure at the bottom of webpage for more information.

Monthly payments on a $10,000 Signature Loan at our low rates

$146 $203 $239
5.99%** for 84 month term (variable) 7.99%* for 60 month term (fixed) 6.99%* for 48 month term (fixed)

The above payment amounts reflect what payments could be if financed at our current interest rates and do not represent all terms available. Monthly payments represent credit card, or other revolving, debt refinanced as a Personal (Signature) installment loan. *See fixed rate disclosure at the bottom of webpage for more information.. **Payment amounts will fluctuate as the rate changes during the term of the loan. Your rate will not increase more than 1% every 12 months. See variable rate disclosure at the bottom of webpage for more information.

Monthly payment on $30,000 HELOC during 1st year of draw period

$50/mo.
1.99%* intro rate year one monthly payments

HELOC payment example represents 1st Lien Adjustable Rate Mortgage (ARM) interest only payment due each month during 1st year of 10-year draw period on $30,000 draw. *See HELOC disclosure at the bottom of webpage for more information.

Signature Loan

Fixed rates starting at 6.99%* up to 60 months

  • • Minimum loan amount of $2,500 for 36 months
  • • Minimum loan amount of $5,000 for 48 months
  • • Minimum loan amount of $10,000 for 60 months

Variable rates starting at 6.99%** for 84-month term only with minimum loan amount of $10,000.


Monthly Payment Example

Fixed Rate Term Rate
(as low as)*
Estimated monthly
payment on $20K
36 months 6.99%* $619.00
48 months 6.99%* $480.00
60 months 6.99%* $397.00
84 months 6.99%** $301.76

Estimated monthly payments in above chart are examples of what your payments could look like. Your monthly payments may be different and are dependent on a number of variables, including credit worthiness.

Apply Now

*6.99% IS A FIXED RATE FOR UP TO 60-MONTHS. VARIABLE RATE AVAILABLE FOR 84-MONTH TERM ONLY. MINIMUM LOAN AMOUNTS DEPENDING ON TERM. RATES BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

**VARIABLE RATE: FOR THE FIRST 12 MONTHS, YOUR INTRODUCTORY APR WILL BE FIXED AT THE RATE DISCLOSED ABOVE. THEREAFTER, THE ANNUAL PERCENTAGE RATE WILL BE BASED ON THE WALL STREET JOURNAL PRIME RATE PLUS A MARGIN AND MAY INCREASE OR DECREASE DURING THE TERM OF THIS TRANSACTION. THE ANNUAL PERCENTAGE RATE WILL NOT INCREASE OR DECREASE MORE THAN 1 PERCENTAGE POINT PER ADJUSTMENT AND NEVER FALL BELOW THE INITIAL ANNUAL PERCENTAGE RATE OR EXCEED 17.99%. AN INCREASE OR DECREASE WILL TAKE EFFECT EVERY 12 MONTHS ON THE DATE OF THE INITIAL LOAN AND WILL BE ROUNDED OFF TO THE NEAREST 1/8TH%. ANY INCREASE WILL TAKE THE FORM OF HIGHER PAYMENTS. EXAMPLE: IF YOUR LOAN WAS $10,000 AT 6.00% FOR 84 MONTHS AND THE RATE INCREASED TO 7.00% AFTER THE FIRST YEAR, YOUR MONTHLY PAYMENT WOULD INCREASE BY $4.18. YOU WILL BE NOTIFIED IN WRITING 45 DAYS BEFORE THE DUE DATE OF A PAYMENT AT A NEW LEVEL. THIS NOTICE WILL CONTAIN INFORMATION ABOUT YOUR INTEREST RATES, PAYMENT AMOUNT, AND LOAN BALANCE.

Personal Credit Line

Revolving Line of Credit

Fixed rates between
9.49%* - 17.99%*

Apply Now

*All rates are dependent on credit worthiness. Your rate will be determined once your application has been processed and approved. Rates are subject to change without notice.

If you have questions about any of our Loan Products, select the scenario below that applies to you and answer a few quick questions. This will allow us to start working on a plan unique to your financial needs and get back to you with our suggestions.

Speak directly to a Lending Specialist

Auto or Signature Loan Questions?
Reach out to us at 713-407-1755 or email us at remotelending@smartcu.org

Remote Lending Team Hours:
9 am - 5 pm (M, T, Th, F)
9 am - 2 pm (Wed. & Sat.)

Home Equity Loan questions?
Call us at 713-407-1830 or email us at mortgagelending@smartcu.org

Home Equity Team Hours:
9 am - 5 pm (Monday - Friday)

NMLS #456807

RATES ARE DEPENDENT ON CREDIT WORTHINESS. YOUR RATE WILL BE DETERMINED ONCE YOUR APPLICATION HAS BEEN PROCESSED AND APPROVED. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE.

*AUTO LOAN RATE BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL AND AMOUNT OF LOAN. 1.74% IS FIXED RATE FOR 36 MONTHS. 1.99% IS FIXED RATE FOR 48 MONTHS. 2.24% IS FIXED RATE FOR 60-MONTHS. 2.49% IS FIXED RATE FOR 72-MONTHS. 1.74% IS VARIABLE RATE FOR 84-MONTH TERM ONLY. EXCLUDES EXISTING SMART FINANCIAL LOANS. NOT VALID WITH ANY OTHER OFFERS. OFFER SUBJECT TO CHANGE WITHOUT NOTICE.

*SIGNATURE LOAN: 5.99% IS FIXED RATE FOR 36-MONTH TERM. 6.99% IS FIXED RATE FOR 48-MONTH TERM. 7.99% IS FIXED RATE FOR 60-MONTH TERM. 5.99% VARIABLE RATE AVAILABLE FOR 84-MONTH TERM ONLY. MINIMUM LOAN AMOUNTS DEPENDING ON TERM. RATES BASED ON TERM AND CREDIT APPROVAL. YOUR RATE WILL BE DETERMINED AT THE TIME OF APPLICATION AND BASED ON CREDIT APPROVAL. RATES SUBJECT TO CHANGE WITHOUT NOTICE.

*HELOC RATE IS SUBJECT TO CREDIT APPROVAL AND WILL VARY BASED ON LIEN POSITION, TERM, AND LOAN AMOUNT. MINIMUM LOAN AMOUNT $15,000 AND MAXIMUM LOAN AMOUNT IS $250,000. INTRODUCTORY RATE IS FIXED FOR A 12-MONTH PERIOD. REVERTS TO A VARIABLE RATE BASED ON PRIME RATE PLUS A MARGIN. RATE WILL NOT DECREASE BELOW THE INITIAL RATE NOR WILL IT INCREASE ABOVE 15%. MAXIMUM LOAN TO VALUE IS 80%. RESTRICTIONS ON THE TYPE OF HOME USED AS COLLATERAL SUCH AS A MINIMUM PROPERTY VALUE OF $50,000. BORROWER MAY BE RESPONSIBLE FOR CERTAIN CLOSING COSTS WHICH MAY INCLUDE TITLE INSURANCE, APPRAISAL FEE, AND SURVEY COSTS. HAZARD INSURANCE IS REQUIRED, INCLUDING FLOOD INSURANCE, INCLUDING A $100 CLOSING COST AND AN ANNUAL FEE OF $50. CLOSING COSTS MAY NOT BE FINANCED UNDER THE TEXAS FINANCE CODE. ALL FEES ARE TO BE PAID UPFRONT BY THE BORROWER. DRAW PERIOD UP TO 10- YEARS WITH A REPAYMENT PERIOD OF 10-YEARS. DRAWS ARE RESTRICTED TO A MINIMUM OF $4000 PER TEXAS LAW. SMART FINANCIAL CREDIT UNION MORTGAGE LOANS ARE AVAILABLE ONLY ON PROPERTY IN TEXAS. AS A SAFEGUARD, A 12-DAY COOLING-OFF PERIOD IS REQUIRED BY TEXAS LAW BEFORE HOME EQUITY LINES OF CREDIT LOANS MAY BE CLOSED. A 3-DAY RIGHT OF RESCISSION IS ALSO REQUIRED AFTER CLOSING BEFORE THE FUNDS MAY BE DISBURSED. SUBJECT TO CHANGE WITHOUT NOTICE. NMLS #456807

**VARIABLE RATE: FOR THE FIRST 12 MONTHS, YOUR INTRODUCTORY APR WILL BE FIXED AT THE RATE DISCLOSED ABOVE. THEREAFTER, THE ANNUAL PERCENTAGE RATE WILL BE BASED ON THE WALL STREET JOURNAL PRIME RATE PLUS A MARGIN AND MAY INCREASE OR DECREASE DURING THE TERM OF THIS TRANSACTION. THE ANNUAL PERCENTAGE RATE WILL NOT INCREASE OR DECREASE MORE THAN 1 PERCENTAGE POINT PER ADJUSTMENT AND NEVER FALL BELOW THE INITIAL ANNUAL PERCENTAGE RATE OR EXCEED 17.99%. AN INCREASE OR DECREASE WILL TAKE EFFECT EVERY 12 MONTHS ON THE DATE OF THE INITIAL LOAN AND WILL BE ROUNDED OFF TO THE NEAREST 1/8TH%. ANY INCREASE WILL TAKE THE FORM OF HIGHER PAYMENTS. EXAMPLE: IF YOUR LOAN WAS $10,000 AT 6.00% FOR 84 MONTHS AND THE RATE INCREASED TO 7.00% AFTER THE FIRST YEAR, YOUR MONTHLY PAYMENT WOULD INCREASE BY $4.18. YOU WILL BE NOTIFIED IN WRITING 45 DAYS BEFORE THE DUE DATE OF A PAYMENT AT A NEW LEVEL. THIS NOTICE WILL CONTAIN INFORMATION ABOUT YOUR INTEREST RATES, PAYMENT AMOUNT, AND LOAN BALANCE.