Rates

    Smart Financial Rates
    TODAY'S RATES FOR AUTOMOBILE, MOTORCYCLE, RECREATIONAL VEHICLE, PERSONAL LOANS AND CREDIT CARDS.

    The rates contained in this Schedule are accurate as of July 1, 2017. For current information call Smart Financial Credit Union at (713) 850-1600 or (800) 392-5084. This Rate Schedule sets forth certain conditions, rates, fees and charges applicable to all loans and loan requests at Smart Financial Credit Union and is incorporated as part of your loan agreement(s) with us. All rates quoted are annual percentage rates (APR). All rates are dependent on credit worthiness and loan term. Each product has a minimum loan amount and minimum loan amounts for certain terms. Loan to Value Ratio on secured loans may increase or decrease the rate. See a Financial Services Specialist to apply or for additional information.

    Rates Are Subject To Change - Contact Your Credit Union

    Automobile
    Term New APR* Used/Refinanced APR*
    Up to 36 months 1.74%** - 17.99% 1.74%** - 17.99%
    Up to 48 months 1.74%** - 17.99% 1.74%** - 17.99%
    Up to 60 months 1.74%** - 17.99% 1.74%** - 17.99%
    Up to 72 months 2.24%** - 17.99% 2.24%** - 17.99%
    Motorcycle
    Term New APR* Used/Refinanced APR*
    Up to 36 months 3.49%** - 14.99% 3.49%** - 14.99%
    Up to 48 months 3.74%** - 15.24% 3.74%** - 15.24%
    Up to 60 months 4.99%** - 15.49% 4.99%** - 15.49%
    Up to 72 months 6.49%** - 13.99% 6.49%** - 13.99%
    Boat & Recreational Vehicle Loans
    Term New APR* Used/Refinanced APR*
    Up to 36 months 3.49%** - 14.99% 3.49%** - 14.99%
    Up to 48 months 3.74%** - 15.24% 3.74%** - 15.24%
    Up to 60 months 4.99%** - 15.49% 4.99%** - 15.49%
    Up to 72 months 6.49%** - 13.99% 6.49%** - 13.99%
    Up to 84 months 6.99%** - 14.49% 6.99%** - 14.49%
    Up to 96 months 7.49%** - 10.99% 7.49%** - 10.99%
    Up to 120 months 7.99%** - 11.49% 7.99%** - 11.49%
    Personal Loans
    Product Interest Rate APR*
    Signature/Personal 6.49%** - 16.99%
    Revolving Line of Credit (Creditline) 9.49%** - 17.99%
    Saving (Share) Secured

    Installment Loan

    Share rate plus 3.00% - 4.00%

    Base on current share rate. loans under $5000.00 will be at Share Rate Plus 4.00% APR. Loans over $5000.00 will be at Share Rate Plus 3.00% APR. Rates may change if Share Rate Changes.

    Single Payment Loan

    Share rate plus 4.00% - 5.00%

    Base on current share rate. loans under $5000.00 will be at Share Rate Plus 5.00% APR. Loans over $5000.00 will be at Share Rate Plus 4.00% APR. Rates may change if Share Rate Changes.

    Certificate of Deposit Secured

    Installment Loan

    Certificate rate plus 3.00% - 4.00% rounded up to the next ¼%

    Base on current CD rate at the time of loan. Loans under $5000.00 are CD Rate Plus 4.00% APR. Loans over $5000.00 are CD Rate Plus 3.00% APR. Rates May change if CD matures during the loan term.

    Single Payment Loan

    Certificate rate plus 4.00% - 5.00% rounded up to the next ¼%

    Base on current CD rate at the time of loan. Loans under $5000.00 are CD Rate Plus 5.00% APR. Loans over $5000.00 are CD Rate Plus 4.00% APR. Rates May change if CD matures during the loan term.

    Other collateral 5.49%** to 17.49%
    Credit Cards
    Card Type Interest Rate APR*
    Platinum MasterCard 8.49% - 17.79%
    Visa Platinum 8.49% - 17.79%
    Smart Start Classic MasterCard*** 17.79% - 17.79%
    iQ Points Reward Card*** Variable Annual Percentage Rates from 10.99% - 15.99%

    *All APRs (Annual Percentage Rate) are inclusive of all discounts and are dependent on credit worthiness. 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, Member Loyalty, and Homeowner discounts, if applicable.
    *** Special conditions apply

    TRUTH-IN-SAVINGS RATES FOR SHARE (SAVINGS), MONEY MARKET,
    CHECKING AND IRA SAVINGS ACCOUNTS

    The rates and fees contained in this Schedule are accurate as of August 1, 2016. For current information call the Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges applicable to your Share (Savings) Accounts, Money Market Accounts, Checking Accounts and IRA Savings Accounts at Smart Financial Credit Union, and is incorporated as part of your Account Agreement with us. *Fees could reduce the earnings on the account.**Rates may change after account is opened.

    TRUTH-IN-SAVINGS RATE SCHEDULE
    Savings
    Account Minimum to Open Dividend Rate Interest Rate APY Minimum to obtain disclosed APY
    Share (Savings) $5 .20% N/A 0.20% $100
    Money Market Accounts
    Account Minimum to Open Minimum Balance Interest Rate APY Minimum to avoid service fee
    Smart Money Market $2,500 $0-2,499.99 .20% on entire balance .20% $2,500
    $2,500.00-9,999.99 .20%on entire balance .20%
    $10,000-24,999.99 .25%on entire balance .25%
    $25,000.00-49,999.99 .30%on entire balance .30%
    $50,000+ .40% on entire balance .40%
    Checking Accounts
    Account Minimum to Open Minimum Balance Interest Rate APY Minimum to avoid service fee
    Superior Checking $100 $0-999.99 .05% .05% $1,000 or 55+ years of age
    $1,000+ .10% .10%
    Individual Retirement Accounts (IRA)
    Account Minimum to Open Minimum Balance Interest Rate APY
    IRA (Savings) $100 or 50 w/ payroll deduction-Direct Deposit $0-2,499.99 .25% on entire balance .25%
    $2,500.00-9,999.99 .35% on entire balance .35%
    $10,000.00-24,999.99 .50% on entire balance .50%
    $25,000.00+ .60% on entire balance .60%
    TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

    (For Share (Savings) Accounts, Club Accounts, Money Market Accounts, Checking Accounts, and IRA Savings Accounts)

    Rate Information. For interest bearing accounts, the disclosed interest rate and APY are those that were offered within the most recent seven calendar days. For dividend bearing accounts, the disclosed dividend rate and APY are the prospective rate and yield the Credit Union Board of Directors anticipates will be paid for the current dividend period. The disclosed rate and APY may change monthly based on the determination of the Credit Union Board of Directors.

    Compounding and Crediting. Dividends and interest will be compounded monthly and credited monthly. For your Share (Savings) Accounts, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of a dividend period, and for the example is January 31.

    Balance Information. We calculate dividends and interest using the daily balance method that applies a daily periodic rate to the balance in the account each day. Dividends and interest will begin to accrue on the business day you deposit cash and non-cash items (such as checks) to your account. Certain minimum balance requirements that apply to your accounts are disclosed above. If a service fee is disclosed, your account will be subject to the fee if your account balance falls below the required minimum daily balance during any month.

    Transaction Limitations. For your Money Market Account, during any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, or similar order made by you and payable to third parties. If you exceed these transfer limitations, your account will be subject to closure. The Credit Union reserves the right to require a member intending to make a withdrawal from any account (except checking accounts) to give written notice of such intent not less than seven days, and up to sixty days before such withdrawal. For Holiday Club Accounts, a service fee is imposed for each withdrawal made between March 1st and October 31st, however, within the first six days after account opening, you may make withdrawals without restriction and without a service fee or penalty being imposed. For Vacation Club Accounts, a service fee is imposed for each withdrawal made between September 1st and April 30th, however, within the first six days after account opening, you may make withdrawals without restriction and without a service fee or penalty being imposed.

    Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

    Par Value. The par value of a share in this Credit Union is $5.00.

    National Credit Union Share Insurance Fund. The National Credit Union Share Insurance Fund federally insures member accounts in this Credit Union.

    TRUTH-IN-SAVINGS RATE, SCHEDULE, AND ACCOUNT DISCLOSURES
    FOR SHARE (SAVINGS), CHECKING, MONEY MARKET AND CERTIFICATES OF DEPOSIT

    The rates and fees contained in this Schedule are accurate as of September 01, 2017. For current information call the Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges applicable to your Business Share (Savings) Accounts, Business Money Market Accounts, Business Checking Accounts, and Business Certificate of Deposit Accounts at Smart Financial Credit Union, and is incorporated as part of your Account Agreement with us.

    TRUTH-IN-SAVINGS RATE SCHEDULE
    Business Savings
    Account Minimum to Open Dividend Rate Interest Rate APY Minimum to obtain disclosed APY
    Business Share (Savings) $5 .20% N/A 0.20% $100
    Business Checking Accounts
    Account Minimum to Open Minimum Balance Interest Rate APY Minimum to avoid service fee
    Smart Advantage Business Checking $500 $1,000+ .10% .10% $5,000 average daily balance
    Smart Business Checking $100 N/A N/A N/A $2,500 average daily balance
    Business Money Market Accounts
    Account Minimum to Open Minimum Balance Interest Rate APY
    Business Money Market $5,000 $5,000 - 24,999.99 .25% .25%
    $25,000 - 49,999.99 .30% .30%
    $50,000+ .40% .40%
    CDS
    Account Term Minimum to Open Interest Rate APY Minimum to obtain disclosed APY
    Business Certificates of Deposit 6 Months Tier $1,000 0.20% 0.20% $1,000
    12 Months Tier 0.75% 0.75%
    24 Months Tier 0.80% 0.80%
    60 Months Tier 1.50% 1.51%
    6 Months Tier Mini Jumbo $25,000 0.25% 0.25% $25,000
    12 Months Tier Mini Jumbo 0.80% 0.80%
    24 Months Tier Mini Jumbo 0.85% 0.85%
    60 Months Mini Jumbo 1.55% 1.56%
    6 Months Tier Jumbo $90,000 0.35% 0.35% $90,000
    12 Months Tier Jumbo 0.90% 0.90%
    24 Months Tier Jumbo 0.95% 0.95%
    60 Months Tier Mumbo 1.65% 1.66%

    FOR NEW ACCOUNTS MARK (X) ON THE LINE APPEARING IMMEDIATELY TO THE LEFT OF THE APPLICABLE ACCOUNT(S) BEING OPENED.



    TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES

    (For Business Share (Savings) Accounts, Business Checking Accounts, Business Money Market Accounts, and Business Certificates of Deposit Accounts)

    Rate Information. For interest bearing accounts, the disclosed interest rate and APY are those that were offered within the most recent seven calendar days. For dividend bearing accounts, the disclosed dividend rate and APY are the prospective rate and yield the Credit Union Board of Directors anticipates will be paid for the current dividend period. The disclosed rate and APY may change monthly based on the determination of the Credit Union Board of Directors.

    Compounding and Crediting. Dividends and interest will be compounded monthly and credited monthly. For your Share (Savings) Accounts, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of a dividend period, and for the example is January 31.

    Balance Information. We calculate dividends and interest using the daily balance method that applies a daily periodic rate to the balance in the account each day. Dividends and interest will begin to accrue on the business day you deposit cash and non-cash items (such as checks) to your account. Certain minimum balance requirements that apply to your accounts are disclosed above. If a service fee is disclosed, your account will be subject to the fee if your account balance falls below the required minimum daily balance during any month.

    Transaction Limitations. For your Money Market Account, during any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, or similar order made by you and payable to third parties. If you exceed these transfer limitations, your account will be subject to closure. The Credit Union reserves the right to require a member intending to make a withdrawal from any account (except checking accounts) to give written notice of such intent not less than seven days, and up to sixty days before such withdrawal.

    Nature of Dividends. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

    Par Value. The par value of a share in this Credit Union is $5.00.

    National Credit Union Share Insurance Fund. The National Credit Union Share Insurance Fund federally insures member accounts in this Credit Union.

    TODAY'S RATES FOR HOME PURCHASE, HOME EQUITY AND HOME IMPROVEMENT LOANS

    Rates Are Subject To Change. Rates last updated on April 24, 2017. - Please contact Smart Financial Credit Union

    Mortgage Rates
    Mortgage Term Interest Rate APR Points
    5/1 Jumbo (Jumbo) 3.990% 4.197% 0.00%
    7/1 Jumbo (Jumbo) 4.125% 4.232% 0.00%
    30yr Fixed (Jumbo) 4.375% 4.418% 0.00%
    30 Years Fixed (Conforming) 4.250% 4.419% 0.00%
    15 Years Fixed (Conforming) 3.500% 3.787% 0.00%
    10 Years Fixed (Conforming) 3.240% 3.679% 0.00%
    15 Years HE FX 1st (Other) 4.250% 4.397% 0.00%
    10 Years HE FX 1st (Other) 3.740% 3.945% 0.00%
    15 Years HE FX 2nd (Other) 6.250% 6.313% 0.00%
    10 Years HE FX 2nd (Other) 5.740% 5.823% 0.00%
    5 Years HE FX 2nd (Other) 5.240% 5.387% 0.00%
    5/1/15 HI ARM (Other) 4.990% 5.101% 0.00%
    5/1/15 PM2 ARM (Other) 5.990% 6.127% 0.00%
    5 Year HI FX 2nd (Other) 5.990% 6.231% 0.00%
    10 Year HI FX 2nd (Other) 6.490% 6.624% 0.00%

    *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.

    TRUTH-IN-SAVINGS RATES FOR CERTIFICATES OF DEPOSIT.

    The rates and fees contained in this Schedule are accurate as of September 01, 2017. For current information call the Smart Financial Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges which apply to your Certificates of Deposit at Smart Financial Credit Union, and is incorporated as part of your Account Agreement with us. *A penalty for early withdrawal may be assessed.*

    TRUTH-IN-SAVINGS RATE SCHEDULE
    Certificates of Deposit
    Term Interest Rate APY Minimum Opening Balance
    6 Months Tier 0.20% 0.20% $1,000
    12 Months Tier 0.75% 0.75%
    24 Months Tier 0.80% 0.80%
    36 Months Tier 0.90% 0.90%
    48 Months Tier 1.10% 1.11%
    60 Months Tier 1.50% 1.51%
    6 Months Tier Mini Jumbo 0.25% 0.25% $25,000
    12 Months Tier Mini Jumbo 0.80% 0.80%
    24 Months Tier Mini Jumbo 0.85% 0.85%
    36 Months Tier Mini Jumbo 0.95% 0.95%
    48 Months Tier Mini Jumbo 1.15% 1.16%
    60 Months Tier Mini Jumbo 1.55% 1.56%
    6 Months Tier Jumbo 0.35% 0.35% $90,000
    12 Months Tier Jumbo 0.90% 0.90%
    24 Months Tier Jumbo 0.95% 0.95%
    36 Months Tier Jumbo 1.05% 1.06%
    48 Months Tier Jumbo 1.25% 1.26%
    60 Months Tier Jumbo 1.65% 1.66%
    12 Months IRA 0.75% 0.75% $1,000
    24 Months IRA 0.80% 0.80%
    36 Months IRA 0.90% 0.90%
    48 Months IRA 1.10% 1.11%
    TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES FOR CERTIFICATES OF DEPOSIT

    Rate Information. The disclosed interest rate and APY are those that were offered within the most recent seven calendar days. The interest rate and APY on Step-Up Certificates of Deposit may change once during the original term of the Certificate at the member's option, in which event the rate of the Certificate will change to the current rate being offered on Certificates of the same term at the time that the Step-Up option is exercised. The Step-Up option is not available during any renewal term. The interest rate and APY on all other Certificates of Deposit are fixed and will be paid until the first maturity date on the Certificate.

    Compounding and Crediting. Interest will be compounded monthly and credited monthly.

    Balance Computation Method. We calculate interest using the daily balance method, which applies a daily periodic rate to the balance in the account each day.

    Accrual of Interest. Interest will begin to accrue on the business day you deposit cash and non-cash items (such as checks) to your account.

    Transaction Limitations. You may not make deposits into your Certificates of Deposit until the maturity date stated on the Certificate. Certificates of Deposit are non-transferable and non-negotiable.

    Early Withdrawal Penalties. Your account will mature after the applicable term of your Certificate of Deposit set forth above. We will impose a penalty if you withdraw any of the funds in your Certificate of Deposit within the first six days after your Account is opened. The penalty will equal seven day's interest on your account. If you make partial withdrawals of principal prior to the maturity date, penalties will be imposed on the amount of the withdrawal. We will impose a penalty if you redeem your Certificate prior to the maturity date. The penalty will equal all interest earned on 91 day Certificates, 90 days' interest on 6 month Certificates, 180 days' interest on 12, 18 and 24 month Certificates, and 270 days' interest on 30, 36, 48, and 60 month Certificates.

    Withdrawal of Interest Prior to Maturity. Interest accruing during any month may be withdrawn without penalty prior to the date that such accrued interest is credited to the Certificate at the end of that month. The Annual Percentage Yield is based on an assumption that interest will remain in the account until maturity. A withdrawal will reduce earnings.

    Renewal Policies. Your Certificate of Deposit will automatically renew at maturity at the interest rate and APY then being paid on Certificates having the same term. You will have a grace period of ten calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

    National Credit Union Share Insurance Fund. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund.

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