Save It!

Save itLet’s face it – saving is not always easy. SMART Federal Credit Union is here to help! From computers to weddings, to vacations or retirement, let SMART Federal Credit Union help you save and enjoy YOUR money!




What do I need to open an account?

  • Valid drivers license, state issued photo ID, or Passport
  • Verification of employment (ex. pay stub, school ID)

Want to switch your checking account? We make it easy!
Download our Switch Kit today and we’ll walk you through the process step-by-step.

Savings Options include:

  • Primary savings accounts that earn interest!
  • Money Market Accounts
  • Christmas Club Accounts
  • Direct Deposit
  • Automatic Transfers
  • Payroll Deduction
  • Certificate Accounts
  • Cash Deposit and Withdrawals
  • Individual Retirement Accounts (IRAs)
  • Use the same account number!

Checking Account includes:

  • NO monthly service fees
  • FREE Bill Pay
  • Shared Branches Nationwide
  • No Per Check Charges
  • No Charge for Deposits
  • Unlimited Monthly Transactions
  • No Teller Fee
  • No Phone Transaction Fee
  • Cash withdrawals
  • NO minimum balance required
  •  FREE Online Banking
  • Surcharge FREE ATM’s
  • Mastercard Chip Debit Card
  • Direct Deposit
  • Overdraft protection
  • First order of checks—FREE!
  • Payroll Deductions
  • Use the same account number!
  • Earn dividends by maintaining an average balance of $1000
  • 24-hour ATM access for deposits and withdrawals
  • “SMART Cents”
  • 24 Hour Account Information through Online Banking & Automated Phone System