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Certificates of Deposit

Save money by locking in our highest dividend rates. The longer the term on the CD, the higher the dividend. Earn premium dividend rates by making larger deposits.



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.*

Certificates of Deposit
Effective Date: Wednesday, July 17th, 2019
TermInterest RateAPYMinimum Opening Balance
6-month Tier 0.30% 0.30% $1,000
12-month Tier 1.80% 1.81%  
24-month Tier 2.35% 2.38%  
36-month Tier 2.50% 2.53%  
48-month Tier 2.60% 2.63%  
60-month Tier 2.75% 2.78%  
6-month Tier Mini Jumbo 0.35% 0.35% $25,000
12-month Tier Mini Jumbo 1.85% 1.87%  
24-month Tier Mini Jumbo 2.40% 2.43%  
36-month Tier Mini Jumbo 2.55% 2.58%  
48-month Tier Mini Jumbo 2.65% 2.68%  
60-month Tier Mini Jumbo 2.80% 2.84%  
6-month Tier Jumbo 0.45% 0.45% $90,000
12-month Tier Jumbo 1.95% 1.97%  
24-month Tier Jumbo 2.50% 2.53%  
36-month Tier Jumbo 2.65% 2.68%  
48-month Tier Jumbo 2.75% 2.78%  
60-month Tier Jumbo 2.90% 2.94%  
Rates and terms are subject to change without notice.

To open an account, please visit a branch.


Refer to the Rate and Fee Schedule for current rates. Dividends are calculated based on the Average Daily Balance and are paid monthly.

Withdrawal penalty

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 be equal to a seven days interest on your account. If you make partial withdrawals from the 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 interests earned on 91-day Certificates; 90-day interest on 6-month Certificates; 180-day interest on 12, 18 and 24 month Certificates, and 270-day interest on 30-, 36-, 48-, and 60-month Certificates.


The Certificates will automatically renew at maturity at the interest rate and APY of current Certificates having the same term. The member will have a grace period of ten calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.