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Smartchoice Credit Union Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare Smartchoice Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.40%, 6-month share certificate rates at 3.51% and 3-month share certificate rates at 0.30%. Savings rates are at 0.05% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to Smartchoice Credit Union rates. MonitorBankRates evaluates the financial stability of Smartchoice Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.35%. Rates were last updated on 03/29/2026.

Smartchoice 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 Smartchoice Credit Union? Share your experience about Smartchoice Credit Union by leaving a review below, or read customer reviews before you decide to use Smartchoice Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.35%
Excellent Higher than avg
Smartchoice Credit Union
Main office
1 Les Buzz Way Ste A
Spring Valley, IL 61362
Member NCUA

Current Rate Availability

We do not have Smartchoice Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Smartchoice 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 Smartchoice 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 Smartchoice Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Smartchoice Credit Union
Website
Address 1 Les Buzz Way Ste A, Spring Valley, IL 61362
Phone 815-481-3537
Fax 815-663-1106
President ROBIN PUFAHL
CEO VICKIE CHIESI
Full-Time Employees 0
Part-Time Employees 1
Branch Locations 1
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 (95/100)
Texas Ratio
10.35%
Return on Assets (ROA)
0.9566%
Return on Equity (ROE)
3.2086%
Non-Performing Loans Ratio (NPL)
5.18%
Total Assets
802,114
Total Amount of Shares and Deposits
561,179
Total Shares and Deposits < 1 Year
561,180
Total Insured Shares and Deposits > $250K (item 17 less item K)
561,179
Total Interest Expense (Sum of items 6 8)
2,793
Number of Accounts for Regular Shares
286
Net Income (unless the amount is already included in Undivided Earnings)
7,673
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
258,040
Total Liabilities
562,979
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Smartchoice Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Smartchoice Credit Union

Is Smartchoice Credit Union a safe place to deposit money?

Yes, Smartchoice Credit Union is considered a safe financial institution. With a Texas Ratio of 10.347569439765%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Smartchoice Credit Union operate?

Smartchoice 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 Smartchoice Credit Union?

Yes, to access services at Smartchoice 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, Smartchoice 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, Smartchoice Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Smartchoice Credit Union offer online and mobile banking?

Most modern institutions like Smartchoice Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.

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