Smart Financial Credit Union (SFCU) is a member-owned financial cooperative serving residents and employees in the Houston area. Established to provide cooperative banking services, SFCU operates as a nonprofit organization guided by a democratically elected board of directors. Its structure emphasizes the collective financial well-being of its members, with governance and policy decisions driven by member input rather than external ownership interests. The credit union offers typical cooperative financial services, including deposit accounts, lending products, and related member services, all designed to support saving, borrowing, and financial accessibility within the community it serves.
Located at 2510 N Loop W in Houston, SFCU maintains its presence within a network of community-focused financial institutions. Its primary functions center on safeguarding members’ deposits, extending credit under prudent underwriting standards, and delivering financial services that align with cooperative principles. The organization operates within the regulatory framework applicable to credit unions in Texas, ensuring compliance, member privacy, and safe, sound financial practices. Its operational scope reflects a commitment to local financial inclusion and community-oriented stewardship.
Better than 48% of providers in Houston
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Smart Financial Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Smart Financial Credit Union is listed as a financial service provider in Houston, TX and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Smart Financial Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Smart Financial Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Smart Financial Credit Union with other providers in Houston and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Smart Financial Credit Union has a rating of 4.5, which is better than 48% of providers in Houston.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Smart Financial Credit Union requests. It is always best to call ahead using the phone number on this page so Smart Financial Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Smart Financial Credit Union also offers: Credit union.