Welcome to smart-choice, where we prioritize your financial well-being and community empowerment. Established in 2003, our mission is to provide exceptional financial services while ensuring that every member feels valued and supported. Under the leadership of CEO DENIS COLLINS and Board President James Neaton, we have cultivated a member-first approach that fosters trust and accessibility. Our headquarters in Cleveland, TN serves as a hub for innovative banking solutions designed to meet the diverse needs of our community.

At smart-choice, we are proud to be federally insured by the NCUA since 1/9/2003 0:00, providing you with peace of mind regarding your deposits. While we currently do not offer online banking, mobile applications, or electronic statements, our commitment to personal service remains unwavering. We invite you to explore our range of services, including auto loans, mortgages, and personal loans, all tailored to help you achieve your financial goals. For more information about how we can serve you better, please visit our website at https://smartchoicecreditunion.com/ or contact us directly at (423) 339-1056. Join us at smart-choice, where your financial future is our priority.

At Smart Choice Credit Union, we understand the diverse financial needs of our members and are committed to providing a comprehensive range of services designed to simplify your banking experience. From personal banking solutions like checking and savings accounts to auto loans and vehicle financing, we cater to your everyday financial requirements. Our offerings also include mortgage loans and refinancing options, as well as business banking services that encompass merchant services and business loans, ensuring that both individuals and small businesses can find the support they need to thrive. With an emphasis on member accessibility, our eligibility criteria can be easily reviewed at https://smartchoicecreditunion.com/membership/ .

In today's fast-paced world, having digital access to your finances is crucial. While we currently do not offer online banking or a mobile application, our members still benefit from streamlined services that help them manage their accounts efficiently. Whether you are planning for life milestones or seeking the right financing solutions, our knowledgeable staff is here to guide you through the process. Additionally, for those looking to explore loan options or compare rates, tools available at https://www.lendmesh.com/loans/vehicle_loans can provide valuable insights. For personalized assistance, feel free to reach out via fax at (423) 339-1056; we're always ready to help you navigate your financial journey with confidence.

Smart Choice Credit Union stands as a beacon of reliability and financial expertise within the community, with a robust Total Membership of 937. Since its establishment in 2003, this credit union has steadily grown, amassing Total Assets of 3,517,220, which underscores its stability and commitment to serving its members effectively. The impressive Net Worth of 370,613 not only reflects prudent financial management but also positions Smart Choice as a trustworthy partner for all your banking needs.

In the realm of income generation, Smart Choice Credit Union has demonstrated its capability with a Net Income of 14,008. This performance speaks volumes about the institution's operational efficiency and dedication to providing value to its members. With Total Deposits reaching 823,386, members can rest assured that their savings are in good hands, supported by a solid foundation of trust and transparency.

The credit union’s commitment to lending is evident in its portfolio, boasting Total Loans and Leases amounting to 253. Notably, the Auto Loan Volume stands at 250, showcasing Smart Choice's focus on helping members achieve their vehicle financing goals. Although there are no commercial loans at present, the foundation is laid for future growth and expansion into diverse financial services.

Furthermore, with just Total Employees numbering 2, Smart Choice maintains a personalized approach to customer service that many larger institutions often lack. The remarkable Net Worth Ratio of 1,054 signifies a strong capital base relative to assets, reinforcing the credit union's resilience against economic fluctuations.

At Smart Choice Credit Union, every member is valued, and every financial decision is made with their best interests in mind. For those seeking competitive rates and reliable services, this institution stands ready to assist. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov .

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