Business

TRUTH-IN-SAVINGS RATE, SCHEDULE, AND ACCOUNT DISCLOSURES FOR SHARE (SAVINGS), CHECKING, MONEY MARKET AND CERTIFICATES OF DEPOSIT

For current information call the Credit Union at (713) 850-1600. This Rate and Fee Schedule and Account Disclosures sets forth certain conditions, rates, fees and charges applicable to your Business Share (Savings) Accounts, Business Money Market Accounts, Business Checking Accounts, and Business Certificate of Deposit Accounts at Smart Financial Credit Union, and is incorporated as part of your Account Agreement with us.

TRUTH-IN-SAVINGS RATE SCHEDULE

Business

Business Savings
Effective Date: Tuesday, January 21st, 2025
Account	Minimum to Open	Dividend Rate	Interest Rate	APY	Minimum to obtain disclosed APY
Business Share (Savings)	$5	.20%	N/A	0.20	$100

Business Checking Accounts
Effective Date: Tuesday, January 21st, 2025
Account	Minimum to Open	Minimum Balance	Interest Rate	APY	Minimum to avoid service fee
Smart Advantage Business Checking	$500	$1,000+	0.10%	0.10%	$5,000 average daily balance
Smart Business Checking	$100	N/A	N/A	N/A	$2,500 average daily balance

Business Money Market Accounts
Effective Date: Tuesday, January 21st, 2025
Account	Minimum to Open	Minimum Balance	Interest Rate	APY
Business Money Market	$5,000	$5,000 - 24,999.99	0.399%	0.40%
		$25,000 - 49,999.99	0.747%	0.75%
		$50,000+	1.490%	1.50%

CDs
Effective Date: Tuesday, January 21st, 2025
Account	Term	Minimum to Open	Interest Rate	APY	Minimum to obtain disclosed APY
Business Certificates of Deposit	6 Months Tier	$1,000	2.472%	2.50%	$1,000
	12 Months Tier		3.928%	4.00%
	24 Months Tier		3.445%	3.50%
	60 Months Tier		2.960%	3.00%
	6 Months Tier Mini Jumbo	$50,000	2.521%	2.55%	$50,000
	12 Months Tier Mini Jumbo		3.977%	4.05%
	24 Months Tier Mini Jumbo		3.494%	3.55%
	60 Months Tier Mini Jumbo		3.008%	3.05%
	6 Months Tier Jumbo	$100,000	2.570%	2.60%	$100,000
	12 Months Tier Jumbo		4.025%	4.10%
	24 Months Tier Jumbo		3.542%	3.60%
	60 Months Tier Jumbo		3.057%	3.10%