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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.


Banking with Benefits



We’re locally owned and operated, and we want to give back to the community.



Financial Wellness is important to us. We provide numerous ways for you to learn and grow!

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You can access your account information wherever you are, day or night.



Credit Unions are not-for-profit, returning profits back to members through better rates, fees, and services.


Who Can Join?

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

  • 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

To become a member, please visit a branch.

The features you want, the service you deserve.

Don't take our word for it. Hear what our members have to say!

“I have enjoy my credit union because it's easy and efficient. It's easy to access any information or transaction I need through its automated features and the staff has always been professional and helpful.”
Member for 25 years
“I like that SF is community oriented rather than some large regional or national banking institution. I have been banking with you since the early 80s and I feel like you really know me.”
Kenneth at North Loop
Member for 36 Years
“I like the friendly, knowledgeable employees, the new, fun TV Teller, and the ease and comfort of acomplishing financial goals.”
Jane P.
Member for 14 Years
“I've been a member officially since 1976. Very efficient, total trust, and complete security. I would recommend! Smart Financial Credit Union is the place to be. ”
Erthel at North Loop
Member for 42 Years
“They are there 24-7 on the Internet. I can manage my assets from any where I am. They look out for my interests and advise me on opportunities available.”
Roy at Kingwood
Member for 5 Years
“The feeling of believing they have my best interests at heart, with all the services they offer.”
Yvette at Rayford
Member for 13 Years
“It's easy to use your new teller-screens. Easy in and easy out plus I love having a copy of my check on the receipt. Plus your agents are very friendly both on screen and in person at the site.”
Halene at Kingwood
Member for 21 Years
“A percentage point or two will never overcome that type of loyalty that your institution has displayed to starting educators when times were financially hard. ”
Ronald at Sugar Land
Member for 19 Years
“Simplicity in deposits/withdrawals, easy to use web site, friendly, courteous tellers.”
Walter at the VA
Member for 2 Years