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  Min. Balance Est. Monthly Fee
$1500 $6.95
$1500 $8
$500 $7
$1500 $12
$0 $0
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* Checking comparisons were obtained through the checking account comparison tool as of April 1,2017 and assumes an average monthly balance of $0 and no direct deposit. Calculator represents best case scenerio. Your actual savings may vary. See credit union for details. APR = Annual Percentage Rate. Rate based on term and other factors and subject to creditworthiness. Property insurance is required prior to loan closing. Rates, terms, conditions and services subject to change. Not all borrowers will qualify for the lowest rate. Interest savings are for example only. Your actual savings may vary. Payment example based on comparison to average credit card rate ( on 3/29/17) vs. amount borrowed for 180 months. Advertised rate available on Home Equity Lines with an 80% or less loan-to-value (LTV). Offer available for new applications submitted May 1 - July 31, 2017. Home Equity: APR is variable and based on the 6 month T-Bill (Auction Average Index), adjusted every three months. Higher rates may apply due to an increase in the T-Bill and/or your individual credit. As of 4/18/17 the minimum APR is 3.65%, maximum is 18.00%. Membership eligibility required. Contact the credit union for additional details. Auto Loans: APR = Annual Percentage Rate. Rate is as of 5/1/17 and subject to change at any time without notice. Rates based on creditworthiness and other factors. Contact credit union for your qualifying rate. For complete details contact the credit union. Loans currently financed with the credit union are not eligible for this promotion. Limit one gift card per account. Must finance your loan with SMART Federal Credit Union to receive gift card. Gift card will be available upon loan closing. Cannot be combined with other offers. This credit union is federally insured by the National Credit Union Administration.