Rates and Fee Schedule - Smart Financial

TODAY'S RATES FOR AUTOMOBILE, MOTORCYCLE, RECREATIONAL VEHICLE, PERSONAL LOANS AND CREDIT CARDS.

The rates contained in this Schedule are accurate as of January 2, 2019. For current information call Smart Financial Credit Union at (713) 850-1600 or (800) 392-5084. This Rate Schedule sets forth certain conditions, rates, fees and charges applicable to all loans and loan requests at Smart Financial Credit Union and is incorporated as part of your loan agreement(s) with us. All rates quoted are annual percentage rates (APR). All rates are dependent on creditworthiness and loan term. Each product has a minimum loan amount and minimum loan amounts for certain terms. Loan to Value Ratio on secured loans may increase or decrease the rate. See a Smart Banker to apply or for additional information.

Rates Are Subject To Change - Contact Your Credit Union

Loans

Automobile
Effective Date: 01/02/2019
Term	New APR	Used/Refinanced APR
Up to 36 months	2.49%* - 17.99%*	2.49%* - 17.99%*
Up to 48 months	2.99%* - 17.99%*	2.99%* - 17.99%*
Up to 60 months	3.49%* - 17.99%*	3.49%* - 17.99%*
Up to 72 months	3.99%* - 17.99%*	3.99%* - 17.99%*

Motorcycle
Effective Date: 01/02/2019
Term	New APR	Used/Refinanced APR
Up to 36 months	3.99%* - 17.99%*	3.99%* - 17.99%*
Up to 48 months	4.24%* - 17.99%*	4.24%* - 17.99%*
Up to 60 months	5.49%* - 17.99%*	5.49%* - 17.99%*
Up to 72 months	6.99%* - 17.99%*	6.99%* - 17.99%*

Boat & Recreational Vehicle Loans
Effective Date: 01/02/2019
Term	New APR	Used/Refinanced APR
Up to 36 months	3.99%* - 17.99%*	3.99%* - 17.99%*
Up to 48 months	4.24%* - 17.99%*	4.24%* - 17.99%*
Up to 60 months	5.49%* - 17.99%*	5.49%* - 17.99%*
Up to 72 months	6.99%* - 17.99%*	6.99%* - 17.99*%
Up to 84 months	7.49%* - 17.99%*	7.49%* - 17.99%*
Up to 96 months	7.99%* - 17.99%*	7.99%* - 17.99%*
Up to 120 months	8.49%* - 17.99%*	8.49%* - 17.99%*

Personal Loans
Effective Date: 01/02/2019
Product	Interest Rate APR
Signature/Personal	7.99%* - 17.99%*
Revolving Line of Credit (Creditline)	9.49%* - 17.99%*

Saving (Share) Secured
Product	Interest Rate APR
Installment Loan	Share rate plus 5.00%*

Certificate of Deposit Secured
Product	Interest Rate APR
Installment Loan	Certificate rate plus 5.00%* rounded up to the next 1/4%
Other collateral	5.74%* to 16.24%*

Important Information

Disclosures

*All rates are inclusive of all discounts and 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. Lowest rate includes all applicable discounts.

Credit Cards
Card Type	Interest Rate APR
Platinum MasterCard	8.49%* - 17.79%*
Visa Platinum	8.49%* - 17.79%*
iQ Points Reward Card**	Variable Annual Percentage Rates from 12.24%* - 17.24%*
*All APRs (Annual Percentage Rate) are inclusive of all discounts and 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. Lowest rate includes all applicable discounts.
**Prime Rate: Variable APRs are based on the 5.50% Prime Rate as of 12/20/2018 and based on credit worthiness at the time of application. Unless an Introductory rate is in effect, the periodic rate used to compute the INTEREST CHARGE for purchases is based on an index (the "Index"), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly on the first day of each month. Any change in the Index will be effective on the first day of the billing cycle that ends on or after the date of the change. We add 6.74% up to 11.74% to the Prime Rate to determine the Purchase/Balance Transfer APR.

TRUTH-IN-SAVINGS RATES FOR SHARE (SAVINGS), MONEY MARKET, CHECKING AND IRA SAVINGS ACCOUNTS

The rates and fees contained in this Schedule are accurate as of January 2, 2019. For current information call the Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges applicable to your Share (Savings) Accounts, Money Market Accounts, Checking Accounts and IRA Savings Accounts at Smart Financial Credit Union, and is incorporated as part of your Account Agreement with us. *Fees could reduce the earnings on the account.**Rates may change after the account is opened.

TRUTH-IN-SAVINGS RATE SCHEDULE

Savings and Deposits Accounts

Savings
Account	Minimum to Open	Dividend Rate	Interest Rate	APY	Minimum to obtain disclosed APY
Share (Savings)	$5	.25%	N/a	0.25%	$100

Money Market Account Rates
Minimum to Open	Minimum Balance	Interest Rate	APY	Minimum to avoid service fee
$2,500	$0-2,499.99	.30% on entire balance	.30%	$2,500
	$2,500.00-9,999.99	.30% on entire balance	.30%
	$10,000-24,999.99	.40% on entire balance	.40%
	$25,000.00-49,999.99	.50% on entire balance	.50%
	$50,000+	.60% on entire balance	.60%
	$100,000+	.85% on entire balance	.85%

Checking Accounts
Account	Minimum to Open	Average Balance	Interest Rate	Monthly Service Fee
Smart Select	$100	< $2,500.00	0.05%	$12 or waived when requirements are met.
		> $2,500.00	0.10%	$12 or waived when requirements are met.
Superior Checking		<$1,000.00	0.05%
		>=$1,000.00	0.10%
Smart Choice	$50		0.00%	$10 or waived when requirements are met.

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	.40% on entire balance	0.40%
		$2,500.00-9,999.99	.40% on entire balance	0.40%
		$10,000.00-24,999.99	.60% on entire balance	0.60%
		$25,000.00+	.70% on entire balance	0.70%

Individual Retirement Accounts/Certificates of Deposit
Effective Date: 01/02/2019
Term	Interest Rate APR*	APY	Minimum Opening Balance
12-month IRA	1.70%	1.71%	$1,000
24-month IRA	2.25%	2.27%
36-month IRA	2.35%	2.38%
48-month IRA	2.45%	2.48%

TODAY'S RATES FOR HOME PURCHASE, HOME EQUITY, AND HOME IMPROVEMENT LOANS

Below are the rates for some of our mortgage loan programs, however, Smart Financial offers more than these options! We also offer standard conventional mortgage loans which include fixed rate loans, FHA, VA, USDA, Home Possible and Home Ready mortgage programs. For a mortgage loan to purchase or refinance your primary, secondary or even investment property, please give us a call to provide you with current market pricing. Because the rates can change frequently, we prefer to provide you with custom quotes based on your own unique mortgage needs, preferred mortgage loan program and amortization. We have an excellent mortgage origination team looking forward to serving you!

You can reach us at 713-407-1830 or mortgagelending@smartcu.org

Rates Are Subject To Change. Rates last updated on January 2, 2019.

Mortgage,Home Equity/Improvement Loans

Mortgage Rates
Effective Date: 01/02/2019
Mortgage Term	Interest Rate	APR	Points
5/1 ARM (Jumbo)*	3.875%	4.862%	0.00%
7/1 ARM (Jumbo)**	4.125%	4.796%	0.00%
10/1 ARM (Jumbo)***	4.25%	4.710%	0.00%
30-yr Fixed (Jumbo)	4.875%	4.920%	0.00%
15-yr Fixed (Jumbo)	4.375%	4.448%	0.00%
20-yr HE FX 1st	5.125%	5.160%	0.00%
15-yr HE FX 1st (Other)	4.625%	4.665%	0.00%
10-yr HE FX 1st (Other)	4.375%	4.430%	0.00%
5-yr HE FX 1st (Other)	3.875%	3.971%	0.00%
15-yr HE FX 2nd (Other)	5.74%	5.811%	0.00%
10-yr HE FX 2nd (Other)	5.49%	5.589%	0.00%
5-yr HE FX 2nd (Other)	4.99%	5.167%	0.00%
5/1/15 PM2 ARM (Other)****	6.990%	7.678%	0.00%
5/1/15 HI ARM (Other)*****	4.49%	5.923%	0.00%
15-yr HI FX (Other)	6.625%	6.875%	0.00%
10-yr HI FX (Other)	6.375%	6.723%	0.00%
5-yr HI FX (Other)	5.875%	6.574%	0.00%
*Interest rate is fixed for the 1st 5 years, rate can change on the 61st month and every 12 months thereafter. The rate is based on the 12 Month Libor index plus 2.25% margin. The rate cannot increase or decrease more than 2% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the initial start rate.
**Interest rate is fixed for the 1st 7 years, rate can change on the 85th month and every 12 months thereafter. The rate is based on the 12 Month Libor index plus 2.25% margin. The rate cannot increase or decrease more than 5% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the initial start rate.
*** Interest rate is fixed for the 1st 10 years, rate can change on the 121st month and every 12 months thereafter. The rate is based on the 12 Month Libor index plus 2.25% margin. The rate cannot increase or decrease more than 5% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the natural start rate.
****Purchase Money 2nd Lien Loans = Interest rate is fixed for the 1st 5 years, rate can change on the 61 month and every 12 months thereafter. The rate is based on the Prime index plus 2.50% margin. The rate cannot increase or decrease more than 2% at the first adjustment and 2% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the natural start rate.
*****Home Improvement Loans = Interest rate is fixed for the 1st 5 years, rate can change on the 61 month and every 12 months thereafter. The rate is based on the Prime index plus 2% margin. The rate cannot increase or decrease more than 5% at the first adjustment and 5% per subsequent adjustments. The rate will never be greater than 5% of the initial start rate or any lower than the initial start rate.
Rates are subject to change without notice. Rates last updated on 1/2/2019.

TRUTH-IN-SAVINGS RATES FOR CERTIFICATES OF DEPOSIT.

The rates and fees contained in this Schedule are accurate as of January 2, 2019. For current information call the Smart Financial Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges which apply to your Certificates of Deposit at Smart Financial Credit Union and is incorporated as part of your Account Agreement with us. *A penalty for early withdrawal may be assessed.*

TRUTH-IN-SAVINGS RATE SCHEDULE

Certificates of Deposit

Certificates of Deposit
Effective Date: 01/02/2019
Term	Interest Rate	APY	Minimum Opening Balance
6-month Tier	0.30%	0.30%	$1,000
12-month Tier	1.60%	1.61%
24-month Tier	2.15%	2.17%
36-month Tier	2.25%	2.27%
48-month Tier	2.35%	2.38%
60-month Tier	2.50%	2.53%
6-month Tier Mini Jumbo	0.35%	0.35%	$25,000
12-month Tier Mini Jumbo	1.65%	1.66%
24-month Tier Mini Jumbo	2.20%	2.22%
36-month Tier Mini Jumbo	2.30%	2.32%
48-month Tier Mini Jumbo	2.40%	2.43%
60-month Tier Mini Jumbo	2.55%	2.58%
6-month Tier Jumbo	0.45%	0.45%	$90,000
12-month Tier Jumbo	1.75%	1.76%
24-month Tier Jumbo	2.30%	2.32%
36-month Tier Jumbo	2.40%	2.43%
48-month Tier Jumbo	2.50%	2.53%
60-month Tier Jumbo	2.65%	2.68%
Rates and terms are subject to change without notice.

Smart Financial Fee Schedule

The fees contained in this Schedule are accurate as of January 1, 2018. For current information call your Credit Union at (713) 850-1600 or (800) 392-5084.

This Fee Schedule sets forth certain conditions, rates, fees and charges applicable to all loans and loan requests at Smart Financial Credit Union and is incorporated as part of your loan agreement(s) with us. All rates quoted are annual percentage rates (APR). All rates are dependent on creditworthiness and loan term. Each product has a minimum loan amount and minimum loan amounts for certain terms. Loan to Value Ratio on Secured loans may increase or decrease the rate. See a Smart Banker to apply or for additional information.

Fees are Subject to change - Contact Your Credit Union

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
	Returned Check Fee - $25 if a check is returned on a credit card payment
	Annual Fee - $25 (*Secured Classic MasterCard only)
	Minimum Finance Charge...not applicable
	Currency Conversion Fee - 1% of transaction amount
All Credit Cards-
Smart Start Classic MasterCard and Secured Classic MasterCard* discontinued 05-01-13.	Balance transfer (iQ Points Reward Card only) 3% Fee on Balance Transfer Amount
	Currency Conversion Fee (iQ Points Reward Card only) - 3% Fee on all foreign denominated purchases. MasterCard/Visa fees may still apply.
	Transaction Fee for Purchases...not applicable
	Transaction Fee for Cash Advances...not applicable
	Transaction Fee for Cash Advances (iQ Points Reward Card only) 3% Fee for each transaction
	Late Payment Fee - 5% of minimum payment. Maximum $25
	Card Replacement fee $10 (iQ Points Reward Card only)

Checking and Savings Fee Schedule
Account	Fee
Share (Savings) Accounts	Withdrawals - Two (2) Free Per Calendar Month, Thereafter - $2 each (Waived with deposits $3,000+)
Smart Share Savings	Withdrawals - Two (2) Free Per Calendar Month, Thereafter - $2 each (Waived with deposits $3,000+)
Money Market Accounts	Minimum Balance Fee...$10 per month when balance falls below $2,500
	Excessive Transfer Fee (after 6 transactions per month) - $10 per item
	Insufficient Check (NSF) - $30 per item
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
	Check Printing Fees May Vary
	Overdraft Protection Draw Fee (transfers over $10 per day only) - $2
	* Not applicable to Smart Scholars and No-Check Checking
Smart Select Checking	Monthly Service Charge - $12
	Waived if Direct Deposit > $1,000 per month.
	Waived if age < 25
Smart Choice Checking	Monthly Service Charge - $10
	Waived if Direct Deposit > $500 per month.
	Waived if age < 25
Freedom Checking (No longer offered)	Monthly Service Charge - None with direct deposit. $12 per month fee with no direct deposit.
Primary Checking (No longer offered)	Minimum Balance to avoid Monthly Service Charge - $400
	Monthly Service Charge - $4 per month
Superior Checking (Interest-Bearing)(No longer offered)	Minimum Average Daily Balance to Avoid Monthly Service Charge - $1,000 or 55+ years of age
	Monthly Service Charge - $10
	Account Transition Fee - $25
No Check Checking	Monthly Service Charge - $5
Smart Scholars Checking	No Monthly Service Charge
Individual Retirement Account (IRA)	Closing / Transfer Out Fee - $10
Debit MasterCard Services	Transactions With a Smart Financial Credit Union Card @ SFCU owned ATM's - No Charge
	Transactions with a Smart Financial Credit Union debit card @ other non-Credit Union Friendly Network ATM locations $2.00 each
	Replacement Debit MasterCard/ ATM card - $5 each
	Surcharge (terminal fee) free ATM's - Credit Union Friendly Network locations
	Currency Conversion Fee (Debit MasterCard Transactions) - 1% of transaction amount
Safe Deposit Box Service (available at our Newcastle, 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
Other Service Fees (applicable to all accounts)	Account Inquiry/Transactions by phone - $5 each
	Cashier's Checks - $5
	Cashier's Checks (On Us Check Conversion) - $5
	Closed Membership / Account (within the first 6 months) - $25
	Coin Sorter Fee (except 16 and under) - 5% of amount sorted
	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
	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
*Restricted to qualified veterans at the VA branch only.

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 (transfers over $10 per day only) - $2
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. Members with less than $1,000 in aggregate deposit and / or loan balances will be excluded from the $3 check � cashing fee if the member is le
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
	Surcharge (terminal fee) free ATM�s � Credit Union Friendly Network locations
Safe Deposit Box Service (available at our Newcastle, 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
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
	Coin Sorter Fee (except 16 and under) - 5% of amount sorted
	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