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Smart Choice Credit Union

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Smart Choice Credit Union Rates & Review August 2026

Q: Is a member application needed to join Smart Choice Credit Union?

Yes, to access services at Smart Choice Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Smart Choice Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Smart Choice Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Smart Choice Credit Union, and you can see how they compare in the Smart Choice Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Smart Choice Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.70%. Database rates last updated and verified on 08/30/2026.

Smart Choice Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Smart Choice Credit Union? Share your experience about Smart Choice Credit Union by leaving a review below, or read customer reviews before you decide to use Smart Choice Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.70%

Excellent Lower than avg

Smart Choice Credit Union
Smart Choice Credit Union

1075 Blythe Ave SE
Cleveland, TN 37311 2948

https://smartchoicecreditunion.com

Current Rate Availability

We're not currently displaying rates for Smart Choice Credit Union, but our database is updated constantly — check back soon for the latest offers.

Are you with Smart Choice Credit Union? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Smart Choice Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Smart Choice Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Smart Choice Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Smart Choice Credit Union

Website https://smartchoicecreditunion.com

Address 1075 Blythe Ave SE, Cleveland, TN 37311 2948

Phone 423-559-1181

Fax 423-339-1056

President

CEO DENIS COLLINS

Full-Time Employees 2

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.70%

Return on Assets (ROA)

0.0037%

Return on Equity (ROE)

0.0381%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

3,771,933

Total Amount of Shares and Deposits

3,402,522

Total Shares and Deposits < 1 Year

3,402,523

Total Uninsured Shares and Deposits > $250K (F+J)

450,422

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,952,100

Total Interest Expense (Sum of items 6 8)

14,442

Share Certificates

Number of Accounts for Regular Shares

872

All other shares

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

138

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,165,291

Total Liabilities

3,409,268

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Smart Choice Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Smart Choice Credit Union

Frequently Asked Questions About Smart Choice Credit Union

How many branches does Smart Choice Credit Union operate?

Smart Choice Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Smart Choice Credit Union?

Yes, to access services at Smart Choice Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Smart Choice Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Smart Choice Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Smart Choice Credit Union offer online and mobile banking?

Most modern institutions like Smart Choice Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://smartchoicecreditunion.com.