Our Rates

Low rates to help you reach your financial goals.

We offer competitive rates on home, auto, RV and other loans to help you finance the vehicle, house or vacation you've been dreaming of.

Personal Loans

Personal & Signature Loans

Product	Interest Rate APR
Up to 36 months	7.99* - 17.99%*
Up to 48 months	8.99* - 17.99%*
Up to 60 months	9.99* - 17.99%*
84 months	7.99 - 17.99%
Revolving Line of Credit (Creditline)	10.99* - 17.99%*

Effective Date:

Savings (Share) Secured

Product	Interest Rate APR
Installment Loan	Share rate plus 5.00%*

Effective Date:

Certificate of Deposit Secured

Product	Interest Rate APR
Installment Loan	Certificate rate plus 5.00%* rounded up to the next 1/4%

Effective Date:

Other Collateral

Product	Interest Rate APR
Other Collateral	6.99%* to 17.99%*

Effective Date:

Vehicle Loans

Term	New Auto APR	Used or Refinanced APR
Up to 36 months	4.24* - 17.99%*	4.24* - 17.99%*
Up to 48 months	4.74* - 17.99%*	4.74* - 17.99%*
Up to 60 months	4.99* - 17.99%*	4.99* - 17.99%*
Up to 72 months	5.24* - 17.99%*	5.24* - 17.99%*
84 months	4.24* - 17.99%*	4.24* - 17.99%*

Term	New Auto APR	Used or Refinanced APR
Up to 36 months	5.99* - 17.99%*	5.99* - 17.99%*
Up to 48 months	6.49* - 17.99%*	6.49* - 17.99%*
Up to 60 months	6.99* - 17.99%*	6.99* - 17.99%*
Up to 72 months	7.49* - 17.99%*	7.49* - 17.99%*

Term	New Auto APR	Used or Refinanced APR
Up to 36 months	5.99* - 17.99%*	5.99* - 17.99%*
Up to 48 months	6.49* - 17.99%*	6.49* - 17.99%*
Up to 60 months	6.99* - 17.99%*	6.99* - 17.99%*
Up to 72 months	7.49* - 17.99%*	7.49* - 17.99%*
Up to 84 months	7.99* - 17.99%*	7.99* - 17.99%*
Up to 96 months	8.49* - 17.99%*	8.49* - 17.99%*
Up to 120 months	8.99* - 17.99%*	8.99* - 17.99%*

Savings and Deposit Accounts

Savings

Account	Minimum to Open	Dividend Rate	Interest Rate	APY	Minimum to obtain disclosed APY
Share (Savings)	$5	.20%	N/A	.20%	$100

Effective Date:

Checking Accounts

Account	Minimum to Open	Average Balance	Interest Rate	Monthly Service Fee
Smart Scholar	$25		0.00%	$10 or waived when requirements are met.
Smart Start	$25		0.00%	$10 or waived when requirements are met.
Smart Choice	$50		0.00%	$10 or waived when requirements are met.
Smart Premier	$100	< $2,500.00	0.05%	$15 or waived when requirements are met.
Smart Premier	$100	> $2,500.00	0.10%	$15 or waived when requirements are met.

Effective Date:

Individual Retirement Accounts (IRA)

Account	Minimum to Open	Minimum Balance	Interest Rate	APY
IRA (Savings)	$100 or $50 w/ payroll deduction-Direct Deposit	$0-2,499.99	0.55% on entire balance	0.55%
		$2,500.00-9,999.99	0.65% on entire balance	0.65%
		$10,000.00-24,999.99	0.70% on entire balance	0.70%
		$25,000.00-49,999.99	0.75% on entire balance	0.75%
		$50,000.00-99,999.99	0.90% on entire balance	0.90%
		$100,000.00+	1.10% on entire balance	1.10%

Effective Date:

Individual Retirement Accounts/Certificates of Deposit

Term	Interest Rate APR*	APY	Minimum Opening Balance
12-month IRA	3.300%	3.35%	$1,000
24-month IRA	3.300%	3.35%
36-month IRA	3.203%	3.25%
48-month IRA	3.203%	3.25%
60-month IRA Special	3.203%	3.25%

Effective Date:

Certificates of Deposit

Term	Interest Rate	APY	Minimum Opening Balance
6-month Tier	2.472%	2.50%	$1,000
12-month Tier	3.203%	3.25%
* 18-month	4.000%	4.07%
24-month Tier	3.203%	3.25%
36-month Tier	3.105%	3.15%
48-month Tier	3.105%	3.15%
60-month Tier	3.105%	3.15%
6-month Tier Mini Jumbo	2.521%	2.55%	$50,000
12-month Tier Mini Jumbo	3.251%	3.30%
24-month Tier Mini Jumbo	3.251%	3.30%
36-month Tier Mini Jumbo	3.154%	3.20%
48-month Tier Mini Jumbo	3.154%	3.20%
60-month Tier Mini Jumbo	3.154%	3.20%
6-month Tier Jumbo	2.570%	2.60%	$100,000
12-month Tier Jumbo	3.300%	3.35%
24-month Tier Jumbo	3.300%	3.35%
36-month Tier Jumbo	3.203%	3.25%
48-month Tier Jumbo	3.203%	3.25%
60-month Tier Jumbo	3.203%	3.25%

Effective Date:

Rates and terms are subject to change without notice. Early Withdrawal Penalties - Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates.

*Rates and terms are subject to change without notice. Minimum initial deposit and minimum balance is $1,000. Your account will mature after the 18-month term of your Certificate of Deposit and will renew to the prevailing 24-month tier CD if funds are not withdrawn. Early withdrawal penalty will be imposed for withdrawals made before maturity. Additional terms and conditions apply.

Money Market

Minimum to Open	Minimum Balance	Interest Rate	APY	Minimum to avoid service fee
$2,500	$0-2,499.99	0.449% on entire balance	0.45%	$2,500
	$2,500.00-9,999.99	0.549% on entire balance	0.55%
	$10,000.00-24,999.99	0.598% on entire balance	0.60%
	$25,000.00-49,999.99	0.648% on entire balance	0.65%
	$50,000.00-99,999.99	0.797% on entire balance	0.80%
	$100,000+	0.995% on entire balance	1.00%

Home Loans

Mortgage Rates

Smart Financial offers a variety of loan options to choose from. This includes conforming, non-conforming and government loan options. Please contact us at 713-407-1830 or mortgagelending@smartcu.org or apply now.

Product	Term	Interest Rate as Low As	APR as low as**
Purchase or Refinance (Conforming)	5-year	Call	Call
	10-year	Call	Call
	15-year	Call	Call
	20-year	Call	Call
	30-year	Call	Call
Purchase or Refinance (Jumbo)	15-year	Call	Call
	20-year	Call	Call
	30-year	Call	Call
Cash-out Refinance (1st lien Home Equity)	5-year	5.000%	5.108%
	10-year	5.250%	5.309%
	15-year	5.750%	5.795%
	20-year	5.875%	5.912%
Texas Home Equity (2nd lien)	5-year	6.000%	6.216%
	10-year	6.250%	6.368%
	15-year	6.750%	6.838%
Texas Home Improvement	5-year	6.500%	6.950%
	10-year	6.750%	6.994%
	15-year	7.250%	7.430%
Texas HELOC ARM* (1st lien)	Revolving***	4.990%	7.000%
Texas HELOC ARM* (2nd lien)	Revolving***	5.990%	9.000%
Lot Loan ARM*	3/1	6.000%	8.354%

Effective Date:

Rates displayed are the “as low as” rates and are subject to change without notice.

Rates are based on creditworthiness, loan-to-value (LTV), occupancy and loan purpose, so your rate and terms may differ. All loans subject to credit approval.

*Adjustable-Rate Mortgage: These loans begin with a low, fixed interest rate for the initial term and then adjust according to an index.

**Your final APR may vary based upon loan amount and customary fees and closing costs which are treated as interest when calculating your final APR.

***Home Equity Line of Credit (HELOC) loans have a 10-year draw period with interest only payments, followed by a 10-year repayment term.

Fee Schedule

Loan Accounts Fee Schedule

Account	Fee
Loan Accounts All Loan Accounts (Unless otherwise listed)	Loan Late Charge - 5% of monthly installment if 10 or more days late (Minimum of $5.00, Maximum of $30.00)
	Collection Agency Fees - all costs of collecting the amount you owe including court costs
	Collection Attorney Fees - all costs of collecting the amount you owe including court costs and reasonable attorney fees
	Returned Check Fee - $30 if a check is returned on a loan payment
	Application Fee After 3 Denials Within a 12 Month Period - $25
	Statement Copied - $5 each
	Transaction History (up to 90 days) - $5 each
	Document Copied - $5 each
	Balance Inquiry - $5 each (free through SmartLine)
	Telephone Transfer - $5 each (free through SmartLine)
	Loan Payoff Letter - $5
	Skip Payment and Extension Fee - $25 each
	Rewrite Fee - $25 ( Applies to Auto, Boat, Motorcycle, RV, Signature Loans only)
Credit Line (Revolving Line of Credit)	Application Fee - $25

Effective Date:

Note: Loans are subject to additional fees. For complete fees refer to loan documents.

Checking and Savings Fee Schedule

Account	Fee
Money Market Accounts	$10 Minimum Balance Fee Per Month (Balances < $2,500)
	Insufficient Check (NSF) - $30 per item
	Excess Draw Fee - $10 each (first six free)
Checking Accounts	Insufficient Check (NSF) - $30 per item (paid or unpaid)
	Insufficient Debit MasterCard Transaction - $30 each (Charges over $10)
	Temporary Checks (8) - $8 (No Charge For Starter Checks)
	Stop Payment Order Per Series of 25 Checks - $30
	Discretionary Overdraft Protection Fee (DOP) - $30 per transaction > $10. Excludes Smart Scholar & Smart Start Checking
	Overdraft Protection Draw Fee (transfers over $10 per day only) - $5
Smart Scholar Checking	$10 Monthly Service Charge (waived ages 14 to 17)
Smart Start Checking	$10 Monthly Service Charge (waived ages 18 to 25)
Smart Choice Checking	$10 Monthly Service Charge (waived if any of the qualifications listed below are met)
	Waived if Direct Deposit > $500 per month OR
	Waived with 20+ debit card (POS) transactions/month OR
Smart Premier Checking	$15 Monthly Service Charge (waived if all of the qualifications listed below are met)
	Waived if combined average balance of deposits & loans exceeds $15,000

Individual Retirement Account (IRA)	Closing / Transfer Out Fee - $10
Debit MasterCard / ATM Card Services	SFCU Debit Card Transactions @ SFCU owned ATM's - No Charge
	SFCU debit card transactions @ non-SFCU ATMs - $2.00 each (free for Premier Checking)
	Replacement Debit MasterCard/ ATM card - $5 each
	Currency Conversion Fee (Debit MasterCard Transactions including online purchases) - 1% of transaction amount
Safe Deposit Box Service (available at our North Loop,Conroe & Sugar Land offices only)	Key Deposit - $25
	Box Size 3" x 5" - $25 annually
	Box Size 3" x 10" - $40 annually
	Box Size 5" x 10" - $60 annually
	Box Size 10" x 10" - $95 annually
	Box Drill - $225
Other Service Fees	Official Checks - $5 (free for Premier Checking)
	Official Checks (On Us Check Conversion) - $5
	Closed Membership / Account (within the first 6 months) - $25
	Collection Items - Domestic items $20 each
	Document Copied - $5 each
	Foreign Collection Items - $30 each
	Inactive account fee - $10 per month (excluding minor, custodial, and CAP)
	Incorrect Address Fee - $10
	Insufficient ACH Debit - $30 each
	Insufficient Debit MasterCard Transaction - $30 each
	Lost Title Fee - $25
	Money Orders - $2 each (free for Premier Checking)
	Notary Services (Non Member) - $6
	Overnight Delivery - $25
	Paid Check Copied - $5
	Returned Deposit Item - $30 per item
	Statement Copied - $5
	Stop Payment Order ACH - $30 each
	Stop Payment Order Check (Branch or Phone) - $30 each
	Stop Payment Order check (Online) - $30 each
	Tax Levies and Garnishments - $50
	Transaction History (up to 90 days) - $5 each
	Verification of Deposit (written - other than SFCU mortgages) - $15
	Wire Transfers - International - $40 each
	Wire Transfers - Outgoing Domestic - $20 each
	Paper Statement Fee - $2 (on applicable checking accounts)
	Non-Member Check Cashing - $5

Effective Date:

Business Account Fee Schedule

Account	Fee
All Business Checking Accounts	Insufficient Check (NSF) - $30 per item (paid or unpaid)
	Temporary Checks (8) - $8 (No Charge for Starter Checks)
	Stop Payment Order per Series of 25 Checks - $30
	Check Printing Fees May Vary
	Overdraft Protection Draw Fee if Savings Transfer exceeds $10/day - $5
Smart Business Checking	Minimum Balance to avoid Monthly Service Charge - $2,500
	Monthly Service Charge - $10 per month
	Maximum # of Transactions per month – 150
	Excessive Transactions Fee: $0.25 each
Smart Advantage Business Checking (Interest-Bearing)	Minimum Average Daily Balance to Avoid Monthly Service Charge - $5,000
	Monthly Service Charge - $15
	Maximum # of Transactions per month – 250
	Excessive Transactions Fee - $0.25 each
	Sweep Processing Monthly Fee (to Business Money Market Account) - $15
Business Money Market Accounts	Minimum Balance Fee - $10 per month - with balance below $5,000
	Transfer Limitations Violation - $30 per item
Check Cashing Fee	Members with less than $1,000 in aggregate deposit and/or loan balances will be assessed a $3 check–cashing fee.
Debit MasterCard/ATM Card Services	Transactions With a Smart Financial Credit Union Card @ SFCU-owned ATM’s - No Charge
	Transactions With a Smart Financial Credit Union Card @ other ATM locations - $2 each
	Replacement Debit MasterCard/ ATM card - $5 each
	Currency Conversion Fee (Debit MasterCard Transactions including online purchases) - 1% of transaction amount
Safe Deposit Box Service (available at our North Loop, Conroe & Sugar Land offices only)	Key Deposit - $25
	Box Size 3" x 5" - $25 annually
	Box Size 3" x 10" - $40 annually
	Box Size 5" x 10" - $60 annually
	Box Size 10" x 10" - $95 annually
	Box Drill - $225
Other Service Fees (applicable to all accounts)	Account Inquiry/Transactions by phone - $5 each
	Cashier's Checks payable to Third Party - $5
	Cashier's Checks (On Us Check Conversion) - $5
	Cashier Check Replacement Fee - $30
	Closed Membership / Account (within the first 6 months) - $25
	Coin Roll Order - $0.10 per roll
	Collection Items - Domestic items $20 each
	Currency Strap Order - $0.40 per strap
	Deposit Zipper Bags - $5 each
	Document Copied - $5 each
	Foreign Collection Items - $30 each
	Inactive account fee - $10 per month
	Incorrect Address Fee - $10
	Insufficient ACH Debit - $30 each
	Insufficient Debit MasterCard Transaction - $30 each
	Lost Title Fee - $25
	Money Orders - $2 each
	Night Deposit Bags (disposable) - 50 @ $25
	Non-Member Check Cashing - $5
	Notary Services (Non Member) - $6
	Overdraft Protection Transfer Fee - $2
	Overnight Delivery - $25
	Paid Check Copied - $5
	Research and Reconciliation (1 hour min. - $2 / page) – $25
	Return Deposit Item from Member Account on Another Institution - $30
	Returned Deposit Item - $30 per item
	Statement Copy - $5
	Stop Payment Order ACH - $30 each
	Stop Payment Order Check (Branch or Phone) - $30 each
	Stop Payment Order check (Online) - $30 each
	Tax Levies and Garnishments - $50
	Transaction History (up to 90 days) - $5 each
	Verification of Deposit (written - other than SFCU mortgages) - $15
	Wire Transfers - International - $40 each
	Wire Transfers - Outgoing Domestic - $20 each

Effective Date:

*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.

**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 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.

QUICK HELP

Our Rates

Low rates to help you reach your financial goals.

Personal Loans

Personal & Signature Loans

Savings (Share) Secured

Certificate of Deposit Secured

Other Collateral

Vehicle Loans

Car Loans

Motorcycle Loans

Boat & Leisure Vehicle Loans

Savings and Deposit Accounts

Savings

Checking Accounts

Individual Retirement Accounts (IRA)

Individual Retirement Accounts/Certificates of Deposit

Certificates of Deposit

Certificates of Deposit

Money Market

Money Market Account Rates

Home Loans

Mortgage Rates

Fee Schedule

Loan Accounts Fee Schedule

Checking and Savings Fee Schedule

Business Account Fee Schedule