Smart Financial

PO Box 920719, Houston, TX 77292

NCUA Insured4.6 (279 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Houston, TX may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1934

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO Box 920719

Houston, TX 77292

Google Maps 🗺Waze

(713) 850-1600

Service Area

This credit union is located in Houston and serves members in the TX area. Currently serving 59,731 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.99%

Used Auto Loan

5.24%

Personal Loan

14.24%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in TX

Lowest rates currently reported by credit unions in TX (NCUA Q4 2025).

Complex Community— New Auto Loan

Odessa, TX

Houston, TX

Amarillo, TX

Hockley County— Credit Card APR

Levelland, TX

4.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(12 total)

Member Reviews

4.6

279 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

KaT Walk

7 months ago

Very dissapointed. Went in stood in line, only one teller available. Then finally three others come out and one teller gets right to it. During my time, three men had the opportunity to skip ahead of me. The lady that came from the back, maybe a manager or supervisor because she helped with an override asked a man at the BACK of the line if he needed help. I was in the front of the line. Then another man comes in and he doesn't wait in line at all. She calls him straight into her office. After over 45 minutes I left with 2 men skipping ahead and one being offered the opportunity to do so. I would not reccomend this particular branch. Online, another branch, or a completely different banking institution. Been a customer for almost 7 years. First time at this particular branch and I would not reccomend.

Ed Killingsworth

3 months ago

Was just told they had to close my account and open another one due to a bad check that I didn't write. After researching I had found that a friend had accidentally picked up my checkbook and written a check out of it instead of his. After finding out my account had no real threat to it, the bank still insisted on closing my account that I use to draft alot of bills out of. They could not see that it was an explainable detail that had no remaining threat. You wont get a personal experience here and you will spend alot more times waiting on service than other banks. Good luck!

Michael Robertson

6 months ago

I had a satisfying and wonderful experience working with the staff at the North Loop West location. Margie Tucker, Relationship Specialist is a gem. She is very knowledgeable, professional and provides excellent customer service. She truly help me navigate the auto loan and buying experience. She truly cares about the customer's needs and concerns. Margie is great!

Paula Ransom

6 months ago

I was assisted by Margie today. She was amazing. I am 90 years young. And she explained OLB to me and I understood. She is patient, wonderful personality. She told me to bring in my lap top and I receive a full blown tutorial. She is the best!!