Who knew being a member could be so SMART? 

When you have a membership with SMART Federal Credit Union, you not only gain access to incredibly low rates and outstanding member service, you also have multiple varieties of discounts and deals!  Take advantage of numerous exclusive member benefits, such as:  


Free Mobile app

You’re on the go, and so are we!

Download in your apple itunes store or google play today!

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CARD CONTROL for your debit card

All the control. One swipe on your phone.
Turn your debit card ON or OFF!

Download our newest version of our FREE mobile app today!



We know money can be tight. That’s why you have the option of skipping one monthly payment on qualifying loans!



Send a text message command to receive text replies regarding the balance of your eligible accounts!

You can enroll as many mobile phones as you wish. Enrolling a phone means you can send messages to It’s Me 247 Text Banking and receive information about the accounts under this membership. If you have more than one membership at the credit union, the nickname you define will help you tell them apart.

How do i Get Started?

You can enroll in Text Banking by clicking on the “Go Mobile” button on the It’s Me 247 toolbar. Then select "Text Banking Home" to access the enrollment screens.  After enrollment, text any command listed below to IM247 (46247).

The following are Text Banking command examples and their responses. These commands can be sent to IM247 (46247).

BAL: Balance for all eligible accounts

BAL 050: Balance for a specific account

STOP: Turns off all text banking

HELP: The customer service number

One-Way Text Alerts

Once you enroll for Text Banking, you can also set up your eAlert subscriptions to be sent as text messages directly to your mobile phone (eAlerts are automatically sent to all phones).

You can set up one-way Text alerts via the e-Alert Subscriptions page, and create alerts similar to your standard e-Alerts:

  • Account Balance (above or below limit of your choice)

  • Notification of an ACH Deposit or Withdrawal

  • Notification that a Loan Payment is due

  • E-Notice notification (Overdraft, Certificate Maturity, etc.)

How Much will this Cost?

Your mobile phone carrier may charge you standard text messaging fees. Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages.



Through Liberty Mutual Insurance


If your vehicle is vandalized on school property or during school-related events, there is a $0 deductible. 


If your teaching materials or school-owned property is stolen or damaged while in your vehicle, you're covered up to $2,500 per occurrence. 


There is a $0 deductible if your vehicle is damaged in a collision while you're driving it on school business.  

For more information, contact our affiliated Liberty Mutual Representative, Andrew Perkins at 614.245.6141 or andrew.perkins01@libertymutual.com to learn more! Don't forget to mention you're with us!



Add to your savings-a few cents at a time! That spare change really adds up...

Make savings as simple as 1,2,3...cents!  SMART Cents allows you to use your SMART Debit Card as you normally would, and automatically round up your purchase to the nearest dollar.  The "cents" will automatically be transferred to your savings account.  

Example: a $4.23 purchase = $0.77 to your savings! 

Just swipe your debit card and SAVE! 

how cents-ible!   

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Earn points towards rewards for every dollar you spend on your Platinum VISA Credit Card!

As if rates as low as 6.8% weren't rewarding enough...with our platinum visa credit card you will earn points towards traveling, shopping, MUSIC or EXCITING NEW ITEMS!  CHECK OUT OUR VISA REWARDS FOR MORE INFORMATION OR TO REDEEM YOUR POINTS! 


automatic pay

Put your loan payments on auto-pilot!

enrolling in automatic pay allows your monthly payment(s) to be deducted from your savings and/or checking account on a specific day each month.  Or, we can deduct half your monthly payment out of each paycheck-ideal for higher monthly payments!  easy, fast and free!