Smart Financial Credit Union accepts private members and corporate members; membership requirements as of 2015 include residency in Fort Bend, Harris, Brazoria or Montgomery counties in Texas, or an office location in those same areas. Additionally, Smart Financial Credit Union offers membership to employees in a select group of companies, as noted by SmartCU.org. Its coverage extends to health care workers in the following Texas counties as of 2015: Chambers, Jefferson, Galveston and Orange, and the Calcasieu and Rapides parishes in Louisiana.
Smart Financial Credit Union offers members the opportunity to combine resources for communal assistance, states SmartCU.org. It is a member-owned-and-operated institution where people pool money into different types of accounts, after which it is then distributed to others in need. Smart Financial Credit Union has several physical branches and an electronic portal where customers can pay bills, open an account and apply for a loan. It is also possible to download and submit applications and order checks online.
Once enrolled, members are eligible for various types of financial services. Individuals can open savings and checking accounts and take out home mortgages, personal loans and auto loans. They can manage credit cards through Smart Financial Credit Union and acquire home equity loans and home improvement loans. Corporations can also have savings and checking accounts, take out loans and manage company credit cards. The credit union regularly has financial literacy courses to help members learn to manage their finances and make investments.