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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.

Who is eligible to become a member

The following is a list of individuals, businesses, organizations or associations approved for membership at Smart Financial Credit Union:

  • 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

  • People who work in the medical industry in Chambers, Galveston, Jefferson and Orange Counties, Texas

To become a member, please visit a branch.


We are a financial cooperative, owned and operated by members, and governed by a Board of Directors who serve without pay.


Member-Owner Service

Member-Owner Service

We serve our local community with a personalized service while keeping up with the latest technology to help our members simplify LIFE.

Products and Fees

Products, Fees, Loan Rates

From Savings accounts to mortgage products, we offer the same services as banks but in a comparably lower loan rate and fees.