Credit union · NCUA insured
Smart Financial Credit Union CD Rates
Smart Financial Credit Union’s best CD rate is 3.85% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Smart Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Houston, TX, where Smart Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Smart Financial Credit Union
3.75%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,021
Certificates of Deposit
Top rate
First Eagle Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $500
2nd-highest rate
Gulf Capital Bank
4.91%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,546
Smart Financial Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Smart Financial Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.75%APY · 6 terms
All accounts are subject to membership eligibility requirements. Interest compounded monthly and credited monthly and at maturity. Early withdrawal penalties apply (7 days' interest within first 6 days; all interest earned on 91-day CDs; 90 days' interest on 6-month CDs; 180 days' interest on 12-, 18-, and 24-month CDs; 270 days' interest on 30-, 36-, 48-, and 60-month CDs). No monthly service fee.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsJumbo Certificate tier. Daily balance method | — | — | 2.60% | —2.60% from $100k | — |
| 6 monthsMini Jumbo Certificate tier. Daily balance method | — | 2.55% | — | —2.55% from $50k | — |
| 6 monthsStandard Certificate tier. Daily balance method | 2.50% | — | — | 2.50% | $124 |
| 12 monthsJumbo Certificate tier. Daily balance method | — | — | 3.60% | —3.60% from $100k | — |
| 12 monthsMini Jumbo Certificate tier. Daily balance method | — | 3.55% | — | —3.55% from $50k | — |
| 12 monthsStandard Certificate tier. Daily balance method | 3.50% | — | — | 3.50% | $350 |
| 24 monthsJumbo Certificate tier. Daily balance method | — | — | 3.70% | —3.70% from $100k | — |
| 24 monthsMini Jumbo Certificate tier. Daily balance method | — | 3.65% | — | —3.65% from $50k | — |
| 24 monthsStandard Certificate tier. Daily balance method | 3.60% | — | — | 3.60% | $733 |
| 36 monthsJumbo Certificate tier. Daily balance method | — | — | 3.75% | —3.75% from $100k | — |
| 36 monthsMini Jumbo Certificate tier. Daily balance method | — | 3.85% | — | —3.85% from $50k | — |
| 36 monthsStandard Certificate tier. Daily balance method | 3.65% | — | — | 3.65% | $1,135 |
| 48 monthsJumbo Certificate tier. Daily balance method | — | — | 3.80% | —3.80% from $100k | — |
| 48 monthsMini Jumbo Certificate tier. Daily balance method | — | 3.75% | — | —3.75% from $50k | — |
| 48 monthsStandard Certificate tier. Daily balance method | 3.70% | — | — | 3.70% | $1,564 |
| 60 monthsJumbo Certificate tier. Daily balance method | — | — | 3.85% | —3.85% from $100k | — |
| 60 monthsMini Jumbo Certificate tier. Daily balance method | — | 3.80% | — | —3.80% from $50k | — |
| 60 monthsStandard Certificate tier. Daily balance method | 3.75% | — | — | 3.75% | $2,021 |
Special-purpose accounts
Individual Retirement Accounts/Certificates of Deposit
Up to 3.85%APY · 5 terms
All accounts are subject to membership eligibility requirements. Minimum opening balance is $1,000. Interest compounded and credited monthly on the last day of the month. Early withdrawal penalties apply if redeemed prior to maturity date.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.60% | $360 |
| 24 months | 3.70% | $754 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.80% | $1,609 |
| 60 months60-month IRA Special | 3.85% | $2,079 |
Who can join Smart Financial Credit Union
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.
Membership information collected October 5, 2026.