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The Smart Financial Foundation is excited to offer six $2,500 scholarships to local high school students. Named in honor of Ruby Sue Clifton, a past chairman of Smart Financial Credit Union, the Ruby Sue Clifton Scholarship Program annually recognizes up to six outstanding high school seniors.



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Applicant (or applicant's parent/guardian) must be a member in good standing.

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Applicant must be a current high school senior.

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Applicant must be able to provide a written letter of acceptance to an university, college, or vocational school.


Required Documents

Before you start, make sure you have the following documents saved on your computer. You will be required to upload them to complete the application!

  • Unofficial Transcript
  • Most Recent Report Card
  • Essay
  • Copy of SAT and/or ACT Scores
    (*pre-SAT scores will be accepted if student was unable to take the SAT and/or ACT due to COVID-19 restrictions)

Documents must be submitted as a Microsoft Word document or a PDF.


Before You Start

You cannot save your application and go back at a later time, so make sure you have all the necessary information before you start!

  • Smart Financial Account (or Member Number)
  • Class Rank & Class Size
  • GPA
  • SAT and/or ACT Score
  • List of Any Extra Curriculars, Jobs, and Awards
  • Required Documents (See Above)



What credit union membership means to me now and what it will mean to me in the future?

  • Essay Length: 300 Words
  • Please submit as a PDF or Word Document



Local high school seniors must apply online by Friday, April 2nd, 2021 at 11:59pm.

Winners will be notified May, 31st 2021.

If you have any questions, please email Tiffany Halfon at or call her at 713-407-1923.

In order to apply, you OR your parent/guardian must be an active Smart Financial member in good standing.

Academic performance, community involvement, and the applicant's essay are all taken into consideration.

Applications are evaluated by a scholarship committee comprised of five Smart Financial Foundation board members.

The easiest way to find your member and/or account number is to look at your statement. To view your statement online, log in to online banking, click "Accounts", then click "Statements".