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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.
| Product | Interest Rate APR |
|---|---|
| Up to 36 months | 8.99* - 17.99%* |
| Up to 48 months | 9.49* - 17.99%* |
| Up to 60 months | 9.99* - 17.99%* |
| 84 months | 8.99** - 17.99%** |
| Revolving Line of Credit (Creditline) | 10.99* - 17.99%* |
Effective Date:
| Product | Interest Rate APR |
|---|---|
| Installment Loan | Share rate plus 5.00%* |
Effective Date:
| Product | Interest Rate APR |
|---|---|
| Installment Loan | Certificate rate plus 5.00%* rounded up to the next 1/4% |
Effective Date:
| Product | Interest Rate APR |
|---|---|
| Other Collateral | 6.99%* to 17.99%* |
Effective Date:
| 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 | 5.24* - 17.99%* | 5.24* - 17.99%* |
| Up to 72 months | 5.74* - 17.99%* | 5.74* - 17.99%* |
| 84 months | 4.24* - 17.99%* | 4.24* - 17.99%* |
Effective Date:
| 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%* |
Effective Date:
| 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%* |
Effective Date:
| Account | Minimum to Open | Dividend Rate | Interest Rate | APY | Minimum to obtain disclosed APY |
|---|---|---|---|---|---|
| Share (Savings) | $5 | .20% | N/A | .20% | $100 |
Effective Date:
| 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:
| Account | Minimum to Open | Minimum Balance | Interest Rate | APY |
|---|---|---|---|---|
| IRA (Savings) | $100 or $50 w/ payroll deduction-Direct Deposit | $0-2,499.99 | 0.599% on entire balance | 0.60% |
| $2,500.00-9,999.99 | 0.798% on entire balance | 0.80% | ||
| $10,000.00-24,999.99 | 1.095% on entire balance | 1.10% | ||
| $25,000.00-49,999.99 | 1.343% on entire balance | 1.35% | ||
| $50,000.00-99,999.99 | 1.590% on entire balance | 1.60% | ||
| $100,000.00+ | 1.836% on entire balance | 1.85% |
Effective Date:
| Term | Interest Rate APR* | APY | Minimum Opening Balance |
|---|---|---|---|
| 12-month IRA | 3.928% | 4.00% | $1,000 |
| 24-month IRA | 3.784% | 3.85% | |
| 36-month IRA | 3.3542% | 3.60% | |
| 48-month IRA | 3.542% | 3.60% | |
| 60-month IRA Special | 3.542% | 3.60% |
Effective Date:
| Term | Interest Rate | APY | Minimum Opening Balance |
|---|---|---|---|
| 6-month Tier | 2.862% | 2.90% | $1,000 |
| 12-month Tier | 3.832% | 3.90% | |
| 24-month Tier | 3.687% | 3.75% | |
| 36-month Tier | 3.445% | 3.50% | |
| 48-month Tier | 3.445% | 3.50% | |
| 60-month Tier | 3.445% | 3.50% | |
| 6-month Tier Mini Jumbo | 2.911% | 2.95% | $50,000 |
| 12-month Tier Mini Jumbo | 3.880% | 3.95% | |
| 24-month Tier Mini Jumbo | 3.735% | 3.80% | |
| 36-month Tier Mini Jumbo | 3.494% | 3.55% | |
| 48-month Tier Mini Jumbo | 3.494% | 3.55% | |
| 60-month Tier Mini Jumbo | 3.494% | 3.55% | |
| 6-month Tier Jumbo | 2.960% | 3.00% | $100,000 |
| 12-month Tier Jumbo | 3.928% | 4.00% | |
| 24-month Tier Jumbo | 3.784% | 3.85% | |
| 36-month Tier Jumbo | 3.542% | 3.60% | |
| 48-month Tier Jumbo | 3.542% | 3.60% | |
| 60-month Tier Jumbo | 3.542% | 3.60% |
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.
| Minimum to Open | Minimum Balance | Interest Rate | APY | Minimum to avoid service fee |
|---|---|---|---|---|
| $2,500 | $0-2,499.99 | 0.499% on entire balance | 0.50% | $2,500 |
| $2,500.00-9,999.99 | 0.698% on entire balance | 0.70% | ||
| $10,000.00-24,999.99 | 0.995% on entire balance | 1.00% | ||
| $25,000.00-49,999.99 | 1.243% on entire balance | 1.25% | ||
| $50,000.00-99,999.99 | 1.490% on entire balance | 1.50% | ||
| $100,000+ | 1.736% on entire balance | 1.75% |
Effective Date:
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.
| 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.
| Account | Minimum to Open | Dividend Rate | Interest Rate | APY | Minimum to obtain disclosed APY |
|---|---|---|---|---|---|
| Business Share (Savings) | $5 | .20% | N/A | 0.20 | $100 |
| Account | Minimum to Open | Minimum Balance | Interest Rate | APY |
|---|---|---|---|---|
| Business Money Market | $5,000 | $5,000 - 24,999.99 | 0.748% | 0.75% |
| $25,000 - 49,999.99 | 1.243% | 1.25% | ||
| $50,000+ | 1.490% | 1.50% |
| Account | Term | Minimum to Open | Interest Rate | APY | Minimum to obtain disclosed APY |
|---|---|---|---|---|---|
| Business Certificates of Deposit | 6 Months Tier | $1,000 | 2.862% | 2.90% | $1,000 |
| 12 Months Tier | 3.832% | 3.90% | |||
| 24 Months Tier | 3.687% | 3.75% | |||
| 60 Months Tier | 3.445% | 3.50% | |||
| 6 Months Tier Mini Jumbo | $50,000 | 2.911% | 2.95% | $50,000 | |
| 12 Months Tier Mini Jumbo | 3.880% | 3.95% | |||
| 24 Months Tier Mini Jumbo | 3.735% | 3.80% | |||
| 60 Months Tier Mini Jumbo | 3.494% | 3.55% | |||
| 6 Months Tier Jumbo | $100,000 | 2.960% | 3.00% | $100,000 | |
| 12 Months Tier Jumbo | 3.928% | 4.00% | |||
| 24 Months Tier Jumbo | 3.784% | 3.85% | |||
| 60 Months Tier Jumbo | 3.542% | 3.60% |
Effective Date:
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.
| 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:
| 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.
| 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:
*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.