Credit union · NCUA insured
Smart Financial Credit Union Savings Rates
Smart Financial Credit Union’s best savings rate is 0.50% APY on $10,000, with its Personal Money Market Account. Rates checked October 16, 2026.
How Smart Financial Credit Union’s savings 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
0.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $50
Personal Money Market Account
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
Smart Financial Credit Union savings score
80
Savings score
Higher than 50% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.50%
- QualifiedQualified0.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Personal Money Market Account
0.50%APY
Minimum opening deposit of $2,500. Monthly service fee of $10 is waived if maintaining a $2,500 minimum daily/average daily balance. If balance falls below $2,500, the interest rate defaults to the checking account rate for that month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500No monthly service fee when maintaining a $2,500 daily balance; if balance falls below $2,500, interest defaults to checking rate. | 0.20% | — | No monthly service fee when maintaining a $2,500 daily balance; if balance falls below $2,500, interest defaults to checking rate. |
| $2,500 – $10,000Monthly service fee waived when maintaining a $2,500 daily balance. | 0.25% | — | Monthly service fee waived when maintaining a $2,500 daily balance. |
| $10,000 – $25,000Monthly service fee waived when maintaining a $2,500 daily balance. | 0.50% | $50 | Monthly service fee waived when maintaining a $2,500 daily balance. |
| $25,000 – $50,000Monthly service fee waived when maintaining a $2,500 daily balance. | 0.75% | — | Monthly service fee waived when maintaining a $2,500 daily balance. |
| $50,000 – $100,000Monthly service fee waived when maintaining a $2,500 daily balance. | 1.00% | — | Monthly service fee waived when maintaining a $2,500 daily balance. |
| $100,000 and upMonthly service fee waived when maintaining a $2,500 daily balance. | 1.50% | — | Monthly service fee waived when maintaining a $2,500 daily balance. |
Sources (1)
- smartcu.org/personal/money-market · captured Oct 6, 2026
Share (Savings)
0.20%APY
Membership eligibility required. Compounded and credited monthly. Daily balance computation method. Minimum balance to earn disclosed APY is $100. No monthly fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance required to earn the disclosed APY is $100. Dividend rate is 0.20%.$100 and up | 0.20% | $20 | Minimum balance required to earn the disclosed APY is $100. Dividend rate is 0.20%. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA (Savings)
0.75%APY
Membership eligibility required. Designed for retirement savings. Compounded and credited monthly. Minimum to open is $100 or $50 with payroll deduction/direct deposit. Rates apply to entire balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Interest rate 0.450% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. | 0.45% | — | Interest rate 0.450% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. |
| $2,500 – $10,000Interest rate 0.500% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. | 0.50% | — | Interest rate 0.500% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. |
| $10,000 – $25,000Interest rate 0.749% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. | 0.75% | $75 | Interest rate 0.749% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. |
| $25,000 – $50,000Interest rate 0.997% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. | 1.00% | — | Interest rate 0.997% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. |
| $50,000 – $100,000Interest rate 1.245% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. | 1.25% | — | Interest rate 1.245% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. |
| $100,000 and upInterest rate 1.74% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. | 1.75% | — | Interest rate 1.74% on entire balance. Opening minimum is $100 or $50 with payroll deduction/direct deposit. |
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.