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.
Banking with Benefits
COMMUNITY FOCUSED
We’re locally owned and operated, and we want to give back to the community.
ONGOING EDUCATION
Financial Wellness is important to us. We provide numerous ways for you to learn and grow!
ANYTIME ACCESS
You can access your account information wherever you are, day or night.
PEOPLE > PROFITS
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!
“Friendly staff, I can now do some of my banking online, through the app and at the ATM! Love that for my busy family.”
“I like the personal, friendly service. I don't feel like just a number. I feel like I matter.”
“Customer service, professionalism, and timeliness. I have been with you for many years and continue to appreciate what you do. Thanks!!!!”
“It's just easy. We are long-time account holders. On-line banking, bill paying and deposits have made it very convenient.”
“Banking with Smart Financial has been a rewarding journey through the years as a member. The people have been very approachable, helpful, and supportive.”
“Smart Financial has been willing to work with me through my financial rough-times as well as the good times. The bankers listen, and try to find the best solution.”
“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.”
“Easy, efficient, and helpful!”
“Simplicity in deposits/withdrawals, easy to use web site, friendly, courteous tellers.”