The SMART Federal Credit Union is a personal loan from SMART Federal Credit Union. The ongoing APR is As low as: 9.95% APR (1 - 12 months), 10.49% (13-24), 10.99% (25-36), 11.49% (37-48), 12.49% (49-60); effective as of October 2026. Loan terms: Terms ranging from 1-60 months.