3454 N High St.
Columbus, OH 43214
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Smart is an NCUA insured institution located in Columbus, OH. It was founded in 1952 and has approximately $35.14 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 7772
Date Established 1952
Assets $35.14 million
Loans $10.11 million
Deposits $30.88 million
Capital $3.42 million

Field of Membership Restrictions

Membership is open to employees of a list of over 50 schools and organizations in the Columbus, Ohio area.

Deposit Rates - May 10, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Smart

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Note to Smart
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Loan Rates - May 10, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SMART

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
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Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Morty, Inc.
NMLS ID: 1429243
2.572% 2.500% 0.50 $2,385 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.700 %
Intro Period: 12 months
$0 Learn More
More Info

Note to SMART
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Smart branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Financial Details

Smart Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Smart. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Smart U.S. Average
1.79% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Smart had $62,922 in non-current loans and $0 in owned assets. To cover these potential losses it had $3,417,445 in net worth and $107,500 in loans loss reserves. That gives it a Texas Ratio of 1.79%.

Net Worth
Smart U.S. Average
9.72% 12.67%

Smart FCU has a net worth of 9.72% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Smart

Branches and Savings

What is Smart?

A federal credit union, registered with the NCUA under certificate #7772.
Learn more about credit unions here.

Is Smart FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Smart is insured by the NCUA.

Who can join Smart?

Please see Field of Membership information above for information on who is eligible to join.

What are Smart's share account and share certificate rates?

Smart's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Smart?

Smart has total capital of $3.42 million. Full information on Smart's financial position is located above.

Who owns Smart?

Credit Unions are owned by their members.

Where are Smart branches located?

See branch locations nearby.

Are Smart ATMs Open 24/7?

Do Smart ATMs accept cash deposits?

Can Smart customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Smart have a mobile app?

Does Smart have mobile deposit?

Does Smart have quick pay?

How can Smart transfer money to other banks or credit unions?

Does Smart report to credit bureaus?

Does Smart use Chexsystems?

Does Smart use Equifax?

What is Smart's toll free phone number?

What is Smart's ACH Routing Number?

What is Smart's SWIFT code?

Where can I find Smart's wire transfer form?

What is the Smart address for deposits?

What Products Does Smart Offer

Does Smart offer mortgages?

Compare mortgage rates here.

Does Smart offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Smart offer auto and RV loans?

Compare auto loan rates here.

Does Smart offer student loans or personal loans?

Compare personal loan rates here.

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