Smart Financial Credit Union is a full-service financial institution. Based in Houston, Texas, the company offers services pertaining to personal, business and loans, to name a few. Some of its loan services include business, auto, mortgage, health care and home equity. In addition to its physical services, the company offers en e-commerce operation services. Through its e-services, it provides online bill pay, direct deposit, smartline, payroll deduction and e-statements. Smart Financial Credit Union is a member of the Better Business Bureau (BBB) and is an Equal Housing Lender.