SMART CHOICE CREDIT UNION

Welcome to Smart Choice Credit Union, your trusted financial partner located at 1075 Blythe Ave SE, Cleveland, TN 37311. Established in 2003, we are proud to serve our vibrant community with personalized banking solutions tailored to meet your needs. With a total membership of 937 and assets amounting to an impressive $3,517,220, we are committed to supporting both individual and business financial goals. At Smart Choice Credit Union, we believe in the power of community. Our dedicated team of just 2 employees, led by our CEO Denis Collins and Board President James Neaton, works tirelessly to provide exceptional service and guidance. We understand that every member's journey is unique, which is why we offer a variety of loan options including over 250 loans to help you achieve your dreams. While members can visit us at our branch location, official correspondence should be sent to the same address for convenience. With total deposits reaching $823,386 and a net worth of $370,613, we ensure your finances are secure and well-managed. If you're looking for a credit union that prioritizes personal relationships over transactions, look no further. Our commitment to our members goes beyond banking; we strive to uplift our community through various initiatives and partnerships. Ready to take the next step? Visit us today or give us a call at 423-559-1181. Let's explore how Smart Choice Credit Union can help you reach your financial aspirations!

At Smart Choice Credit Union, we have a proud legacy that began in 2003, right here in Cleveland, TN. Our mission has always been clear: to provide our members with financial services that empower them while supporting the community we love. Over the years, we have grown from a small credit union to a trusted partner for nearly 1,000 members, boasting total assets of over $3.5 million. Located at 1075 Blythe Ave Se, Cleveland, TN 37311, our branch is conveniently situated near local landmarks that many residents recognize. We invite you to visit us during our lobby hours from Monday to Friday, 9 AM to 4 PM. While members can visit us at this address for all their banking needs, official correspondence should be sent to our mailing address: 1075 Blythe Ave SE, Cleveland, TN 37311-2948. Smart Choice was founded with a vision of not just meeting financial needs but also enhancing the quality of life in our community. Our commitment extends beyond banking; we believe in giving back and building lasting relationships with those we serve. This dedication is reflected in our partnerships with local organizations and our active participation in community outreach programs. As technology evolves, so do we. Although we currently do not offer ATMs or drive-thru services at our branch, we are committed to providing a welcoming environment where members can receive personal assistance with their financial matters. Our team is dedicated to ensuring that every member feels valued and understood. Our mission statement emphasizes that we are more than just a credit union; we are a community partner focused on your success. Whether it's securing an auto loan or saving for the future, Smart Choice Credit Union strives to offer the best service and support possible. We encourage anyone looking for a financial institution that truly cares about its members and the community to consider joining Smart Choice Credit Union. Experience the difference of being part of a family that puts you first. Together, let's make smart financial choices for a brighter tomorrow!

Becoming a member of Smart Choice feels like joining a family that genuinely cares about your financial well-being. To be eligible, you need to meet certain criteria that are designed to welcome you into our community. If you live, work, or worship in the Bradley County area, you're already on the right track! Additionally, there are options for those who may have family members already part of our credit union. It's all about creating a supportive environment where everyone can thrive together. Getting started is simple! You can find more detailed eligibility information by visiting https://smartchoicecreditunion.com/membership/ . Once you know you're eligible, opening an account is just a click away through this link: https://smartchoicecreditunion.com/memberform/ . If you have any questions or need assistance along the way, don't hesitate to reach out to us at (423) 559-1181. We're excited to help you take this important step towards better financial health at Smart Choice, located at 1075 Blythe Ave Se Cleveland Tn 37311.

At Smart Choice, we understand that banking should be easy, safe, and accessible whenever you need it. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With our online banking platform available at https://smartchoicecreditunion.com/ , you can manage your accounts anytime, anywhere. Although features like electronic signature authorization and e-statements aren't currently offered, our commitment to security remains a top priority. You can trust that your personal information is protected as you navigate your finances online. While we currently don't provide mobile payments or a mobile application, rest assured that our services are user-friendly and designed for real-time account management. You can check your balances, review transactions, and keep track of your spending with just a few clicks. Though person-to-person transfers are not available at this time, our 24/7 online banking services allow you to stay in control of your finances around the clock. Whether you're checking in on your savings or planning future expenses, managing your money has never been easier. We know convenience matters to you. That's why we're here to support you with simple solutions that help you stay organized and informed about your financial health. Visit us today at https://smartchoicecreditunion.com/ to learn more about how Smart Choice can help you take charge of your banking needs!

At Smart Choice, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our robust financial health with you, which supports our commitment to providing excellent service and competitive products. With a net worth of $370,613, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,054 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $470,958 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,094,917, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our success is also reflected in our $356,605 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With $125 in used auto loans and $1,538,356 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our operational efficiency is highlighted by a net income of $14,008, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees dedicated to ensuring that our branches are always ready to serve you with knowledgeable support. Net Shares (Funds available for lending and investments): $173,521. Total Share and Deposit Accounts: 1,018, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Smart Choice is your trusted partner. Visit us at 1075 Blythe Ave Se Cleveland Tn 37311 or call (423) 559-1181 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.