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

The rates contained in this Schedule are accurate as of July 2, 2018. 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
TermNew APRUsed/Refinanced APR
Up to 36 months 2.24%* - 17.99%* 2.24%* - 17.99%*
Up to 48 months 2.74%* - 17.99%* 2.74%* - 17.99%*
Up to 60 months 2.99%* - 17.99%* 2.99%* - 17.99%*
Up to 72 months 3.24%* - 17.99%* 3.24%* - 17.99%*

Motorcycle
TermNew APRUsed/Refinanced APR
Up to 36 months 3.49%* - 17.99%* 3.49%* - 17.99%*
Up to 48 months 3.74%* - 17.99%* 3.74%* - 17.99%*
Up to 60 months 4.99%* - 17.99%* 4.99%* - 17.99%*
Up to 72 months 6.49%* - 17.99%* 6.49%* - 17.99%*

Boat & Recreational Vehicle Loans
TermNew APRUsed/Refinanced APR
Up to 36 months 3.49%* - 17.99%* 3.49%* - 17.99%*
Up to 48 months 3.74%* - 17.99%* 3.74%* - 17.99%*
Up to 60 months 4.99%* - 17.99%* 4.99%* - 17.99%*
Up to 72 months 6.49%* - 17.99%* 6.49%* - 17.99*%
Up to 84 months 6.99%* - 17.99%* 6.99%* - 17.99%*
Up to 96 months 7.49%* - 17.99%* 7.49%* - 17.99%*
Up to 120 months 7.99%* - 17.99%* 7.99%* - 17.99%*

Personal Loans
ProductInterest Rate APR
Signature/Personal 7.49%* - 17.99%*
Revolving Line of Credit (Creditline) 9.49%* - 17.99%*

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

Certificate of Deposit Secured
ProductInterest Rate APR
Installment Loan Certificate rate plus 5.00%* rounded up to the next 1/4%
Other collateral 5.24%* 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 TypeInterest Rate APR
Platinum MasterCard 8.49%* - 17.79%*
Visa Platinum 8.49%* - 17.79%*
iQ Points Reward Card** Variable Annual Percentage Rates from 11.74%* - 16.74%*
*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 5.00% Prime Rate as of 6/14/2018 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.

IQ Auto Loans
TermNew APR*Used/Refinanced APR*
Up to 24 months 2.49% - 4.74% 2.49% - 4.74%
Up to 36 months 2.74% - 4.99% 2.74% - 4.99%
Up to 48 months 2.99% - 5.24% 2.99% - 5.24%
Up to 60 months 3.24% - 5.49% 3.24% - 5.49%

 

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 March 1, 2018. 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
AccountMinimum to OpenDividend RateInterest RateAPYMinimum to obtain disclosed APY
Share (Savings) $5 .20% N/a 0.20% $100

Money Market Account Rates
Minimum to OpenMinimum BalanceInterest RateAPYMinimum 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 .35% on entire balance .35%  
  $25,000.00-49,999.99 .40% on entire balance .40%  
  $50,000+ .50% on entire balance .50%  

Checking Accounts
AccountMinimum to OpenAverage BalanceInterest RateMonthly 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%  

Individual Retirement Accounts (IRA)
AccountMinimum to OpenMinimum BalanceInterest RateAPY
IRA (Savings) $100 or $50 w/ payroll deduction-Direct Deposit $0-2,499.99 .25% on entire balance 0.25%
    $2,500.00-9,999.99 .35% on entire balance 0.35%
    $10,000.00-24,999.99 .50% on entire balance 0.50%
    $25,000.00+ .60% on entire balance 0.60%

Individual Retirement Accounts/Certificates of Deposit
TermInterest Rate APR*APYMinimum Opening Balance
12-month IRA 1.00% 1.00% $1,000
24-month IRA 1.15% 1.16%  
36-month IRA 1.25% 1.26%  
48-month IRA 1.40% 1.41%  

 

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

Rates Are Subject To Change. Rates last updated on February 21, 2018. - Please contact Smart Financial Credit Union

Mortgage,Home Equity/Improvement Loans

Mortgage Rates
Mortgage TermInterest RateAPRPoints
30-yr Fixed (Jumbo) 4.490% 4.535% 0.00%
15-yr Fixed (Jumbo) 3.990% 4.065% 0.00%
15-yr HE FX 1st (Other) 4.490% 4.593% 0.00%
10-yr HE FX 1st (Other) 3.990% 4.132% 0.00%
15-yr HE FX 2nd (Other) 5.240% 5.338% 0.00%
10-yr HE FX 2nd (Other) 4.740% 4.874% 0.00%
5-yr HE FX 2nd (Other) 4.490% 4.740% 0.00%
5/1/15 HI ARM (Other)* 4.990% 5.951% 0.00%
5/1/15 PM2 ARM (Other)* 5.990% 6.683% 0.00%
5-yr HI FIXED (Other) 4.990% 5.678% 0.00%
10-yr HI FX (Other) 5.490% 5.861% 0.00%
*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 05/01/2018.

 

TRUTH-IN-SAVINGS RATES FOR CERTIFICATES OF DEPOSIT.

The rates and fees contained in this Schedule are accurate as of September 1, 2017. 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
TermInterest RateAPYMinimum Opening Balance
6-month Tier 0.25% 0.25% $1,000
12-month Tier 1.00% 1.00%  
24-month Tier 1.15% 1.16%  
36-month Tier 1.25% 1.26%  
48-month Tier 1.40% 1.41%  
60-month Tier 1.75% 1.76%  
6-month Tier Mini Jumbo 0.30% 0.30% $25,000
12-month Tier Mini Jumbo 1.05% 1.06%  
24-month Tier Mini Jumbo 1.20% 1.21%  
36-month Tier Mini Jumbo 1.30% 1.31%  
48-month Tier Mini Jumbo 1.45% 1.46%  
60-month Tier Mini Jumbo 1.80% 1.81%  
6-month Tier Jumbo 0.40% 0.40% $90,000
12-month Tier Jumbo 1.15% 1.16%  
24-month Tier Jumbo 1.30% 1.31%  
36-month Tier Jumbo 1.40% 1.41%  
48-month Tier Jumbo 1.55% 1.56%  
60-month Tier Jumbo 1.90% 1.92%  
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
AccountFee
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
AccountFee
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
  Transfer Limitations Violation - $10 per item ( Maximum of 6 transactions per month; a maximum of 3 may be by check)
  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
  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) - $20 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
AccountFee
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) - $20 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