Credit union · NCUA insured
Smart Financial Credit Union
A $805.8M credit union headquartered in Houston, TX, with 59,807 members and 12 branches in Texas. Best rates: CDs 3.85% and savings 0.50% APY.
Smart Financial Credit Union Carrot Score
74
Carrot Score
Higher than 37% of U.S. banks and credit unions
#78 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Smart Financial Credit Union
Established in 1934 as Houston Public School Teachers Credit Union, Smart Financial Credit Union received its charter on November 19, 1934.
The institution changed its name to Houston Area Teachers Credit Union in 1975, First Educators Credit Union in 1988, and Smart Financial Credit Union in 2004.
It merged with Houston Area Central Credit Union in 1999 and Key Federal Credit Union in 2008.
Headquartered in Houston, Texas, Smart Financial Credit Union serves members across the greater Houston region.
- Headquarters
- 6051 N Course Dr, Houston, TX 77072-1667
- NCUA charter
- 67927
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, or attend school in Brazoria, Fort Bend, Harris or Montgomery Counties, Texas, and are 18 years of age or older.
Cost to join
- A five dollar opening deposit is required to become a member.
- A five dollar entrance fee is required to become a member.
Branches
12 branches in Texas
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Texas
12 branches
- Main OfficeMain office6051 N Course Dr, Houston, TX 77072Directions
- Conroe3201 W Davis St, Conroe, TX 77304Directions
- Fm 1960520 FM 1960 Rd, Houston, TX 77073Directions
- Lamar3325 Westheimer Rd # B101, Houston, TX 77098Directions
- Northloop2510 North Loop W, Houston, TX 77092Directions
- Wayside4411 S Wayside Dr, Houston, TX 77087Directions
- Kingwood4529 Kingwood Dr Ste 100, Kingwood, TX 77345Directions
- Magnolia6311 FM 1488 Rd Ste A, Magnolia, TX 77354Directions
- Pearland3060 Kirby Dr, Pearland, TX 77584Directions
- Spring Marketplace7206 N Grand Pkwy W, Spring, TX 77379Directions
- Woodlands26515 Interstate 45, Spring, TX 77380Directions
- Sugar Land9810 Highway 90A, Sugar Land, TX 77478Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.84% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.16% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.20% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $84 | $76 | — |
- CapitalNet worth ratio11.84%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.16%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.20%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$84Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Smart Financial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.