Loan Rates and Account Fees

Car Loans

Please visit our Auto Loan products page for more info.

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Motorcycle Loans

Please visit our Recreational Vehicle products page for more info.

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Boat & Leisure Vehicle Loans

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Savings

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Checking Accounts

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Individual Retirement Accounts (IRA)

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Individual Retirement Accounts/Certificates of Deposit

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Certificates of Deposit

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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.

Money Market Account Rates

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Mortgage Rates

Each mortgage loan may vary in pricing and terms based on the members individual loan needs and qualifications. Smart Financial offers a variety of loan options to choose from, including conforming, non-conforming and government loan options. Please contact us at 713-407-1830 or mortgagelending@smartcu.org or apply now.

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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.

Business Savings Accounts

Business Money Market Accounts

Business CD Rates

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APY=ANNUAL PERCENTAGE YIELD. 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. APPLICABLE TO ALL SMART FINANCIAL PRODUCTS: IF YOU'RE A NEW MEMBER, YOU WILL PAY A ONE-TIME $5 ENTRANCE FEE IN ADDITION TO THE MINIMUM OPENING DEPOSIT REQUIRED BY THE ACCOUNT.

2025 Fee Schedule

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