Lending Center | Smart Financial

    Lending Center

    We are here to meet all of your borrowing needs

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    Smart Financial Credit Union lends millions of dollars every month to hundreds of members just like you. Our members finance automobiles, boats, recreational vehicles, and more. Smart Financial also offers a wide variety of signature loans, a competitive credit card program, business loans, and a complete line of home loans. Our loan interest rates are reviewed frequently to ensure that they are competitively priced. Let Smart Financial Credit Union provide you the freedom to finance your dreams!

    All rates and terms are subject to change without prior notice.

    Auto Loans Rates**

    New Vehicle Used Vehicle Refinanced
    APR* as low as APR* as low as APR* as low as
    1.74% 1.74% 1.74%

    *APR = Annual Percentage Rate.

    *All rates are dependent on credit worthiness and loan term. Your rate will be determined once your application has been processed and approved. Rates are subject to change without notice.

    **Lowest rate includes Auto-Pay and Member Loyalty discounts, if applicable.

    To view all rates, click here

    Credit Card Rates

    MasterCard Platinum Visa Platinum Smart Start Classic MasterCard** iQ Points Reward Card**
    APR* as low as APR* as low as APR* as low as APR* as low as
    8.49% 8.49% 17.79% 10.99%

    *APR = Annual Percentage Rate.
    *All rates are dependent on credit worthiness and loan term. Your rate will be determined once your application has been processed and approved. Rates are subject to change without notice.

    **Special conditions apply

    To view all rates, click here

    Mortgage Rates

    30 Yr. Fixed 15 Yr. Fixed 10 Yr. Fixed
    APR* as low as APR* as low as APR* as low as
    4.144% 3.500% 3.340%

    *APR = Annual Percentage Rate.

    The interest rates, annual percentage rates (APRs) and points shown are subject to change without notice.

    Your APR will vary based on your final loan amount and finance charges.

    To view all rates, click here

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      713.850.1600


      Or toll-free at:

      1.800.392.5084

    • Routing Number:

      313083578