Smart Financial Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
FM 2920	5200 FM 2920 Rd Ste 100, Spring, TX 77388	View Lobby Hours
Stafford	1625 Staffordshire Rd, Stafford, TX 77477	View Lobby Hours
Westchase	5840 W Sam Houston Pkwy S Ste 100, Houston, TX 77072	View Lobby Hours
Missouri City	10330 Highway 6 Ste J, Missouri City, TX 77459	View Lobby Hours
Lamar	3325 Westheimer Rd, Houston, TX 77098	View Lobby Hours
Alexandria	3330 Masonic Dr, Alexandria, LA 71301	View Lobby Hours
Pearland	10201 Broadway St Ste 117, Pearland, TX 77584	View Lobby Hours
Lake Charles	1600 Foster St, Lake Charles, LA 70601	View Lobby Hours
Nasa Road One	18300 Saint John Dr, Houston, TX 77058	View Lobby Hours
Main Office	6051 N Course Dr, Houston, TX 77072	View Lobby Hours
Sugar Land	9810 Highway 90A, Sugar Land, TX 77478	View Lobby Hours
Wayside	4411 S Wayside Dr, Houston, TX 77087	View Lobby Hours
Newcastle Branch	4605 Southwest Fwy, Houston, TX 77027	View Lobby Hours
Conroe	3201 W Davis St, Conroe, TX 77304	View Lobby Hours
Port Arthur	2001 9th Ave Ste 200A, Port Arthur, TX 77642	View Lobby Hours
Rayford	602 Rayford Rd, Spring, TX 77386	View Lobby Hours
Kingwood	1120 Kingwood Dr, Kingwood, TX 77339	View Lobby Hours
VA Medical Center	2002 Holcombe Blvd, Houston, TX 77030	View Lobby Hours
Beaumont	2900 North St, Beaumont, TX 77702	View Lobby Hours
Northloop	2510 North Loop W, Houston, TX 77092	View Lobby Hours
Bingle	8582 Katy Fwy, Houston, TX 77024	View Lobby Hours
St. Joseph	1315 St Joseph Pkwy, Houston, TX 77002	View Lobby Hours
FM 1960	520 FM 1960 Rd, Houston, TX 77073	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 399799	6.115%	6.000%	0.88	$4,112	$1,919	Learn More
NMLS ID: 401822	6.116%	6.000%	0.63	$3,995	$1,919	Learn More
NMLS ID: 1025894	6.227%	6.125%	0.88	$3,500	$1,945	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US

Smart Financial Credit Union - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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