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

Smart Financial offers conventional, fixed-rate, and adjustable-rate mortgages, including fixed and adjustable Jumbo loans, plus FHA, VA, and Fannie Mae programs. Many require minimal down payment, giving Houston area homebuyers more opportunity to achieve their dream of homeownership. For 30-year conforming rates, Government Loan rates, and other specific loan program questions, contact us at 713-407-1830 or mortgagelending@smartcu.org. Apply now.

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*APR = Annual Percentage Rate.
Rates shown are subject to change daily with market conditions. The APR shown is based on the interest rate, any points, 80% loan-to-value, FICO score of 740+, and applicable product loan type(s). Standard origination fees may apply. Your actual qualifying rate, APR (annual percentage rate), and term may vary based on your unique credit rating, combined loan-to-value percentage based on verified and acceptable home value, final loan amount, and other qualifying factors. Rates and terms are subject to change without prior notice; other restrictions may apply. Adjustable-Rate Mortgages (ARM) are variable, and your rate may increase after the original fixed-rate period. Terms of repayment example: A $350,000 loan with a 30-year term at 6.715% APR with 20% down payment equals a $1,809.57 monthly payment. Taxes and insurance not included, your actual payment obligation will be higher. Contact Smart Financial Mortgage Lending for additional information and loan criteria. Other restrictions and limitations apply.

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.