of Deposit

Grow your savings brilliantly.

Open an Account

We help you build your savings and give you peace of mind.

Reach your savings goals faster with a certificate of deposit; a low-risk savings solution with a fixed and guaranteed rate of return! Plus, we have multiple options to fit perfectly in your wealth management strategy.

View tiers and rates

APY as high as


on a 12-month Tier

No fees with a low minimum balance.

No monthly service fee when you maintain a $1,000 daily balance.

Higher balances earn higher returns.

Save by locking in our highest dividend rates. Enjoy a guaranteed rate of return.

Aligned with your financial goals.

Pick the term that fits your savings goals! The longer you choose, the more you make.

CD Rates

Term Interest Rate APY Minimum Opening Balance
6-month Tier 2.472% 2.50 $1,000
12-month Tier 3.928% 4.00
24-month Tier 3.445% 3.50
36-month Tier 2.960% 3.00
48-month Tier 2.960% 3.00
60-month Tier 2.960% 3.00
6-month Tier Mini Jumbo 2.521% 2.55 $50,000
12-month Tier Mini Jumbo 3.977% 4.05
24-month Tier Mini Jumbo 3.494% 3.55
36-month Tier Mini Jumbo 3.008% 3.05
48-month Tier Mini Jumbo 3.008% 3.05
60-month Tier Mini Jumbo 3.008% 3.05
6-month Tier Jumbo 2.570% 2.60 $100,000
12-month Tier Jumbo 4.025% 4.10
24-month Tier Jumbo 3.542% 3.60
36-month Tier Jumbo 3.057% 3.10
48-month Tier Jumbo 3.057% 3.10
60-month Tier Jumbo 3.057% 3.10

Account Benefits


Don't pay to save. There is no monthly service fee for your Certificate of Deposit account!


Have peace of mind knowing your money is secure. Your savings are federally insured up to $250,000.


Pick the term that fits your savings goals! The longer you choose, the more you make.


Save money by locking in our highest dividend rates. Enjoy a guaranteed rate of return.

Money Market from Smart Financial

A Money Market account lets you earn a better-than-average interest rate, as long as you maintain a balance of $2,500. Withdraw money regularly, just like a normal savings account.

*Rates and Annual Percentage Yield (APY) effective . 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.

The rates and fees contained in this Schedule are accurate as of the effective date listed above. 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.*