Smart Choice Credit Union

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A short history of Smart Choice CU

Since its inception in 2003 the Smart Choice Credit Union has been serving its members in the CLEVELAND, Tennessee area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by DENNIS COLLINS, the Smart Choice CU has grown its membership to over 1,333 with assets of more than $3,314,650. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (423) 559-1181 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in CLEVELAND, TN.

General Information For Smart Choice CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68513
Address 1075 BLYTHE AVE SE 
State Tennessee 
Zip-Code 37311
Phone Number (423) 559-1181
Fax Number (423) 339-1056
Email Address:
Members 1,333 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 3,314,650 

Compare Smart Choice Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Appliance CU APPLIANCE CREDIT UNION 640 KING EDWARD AVE SE 37364 (423) 479-5511 No 4.87
Cleveland-bradley Cty Teacher CU Cleveland Bradley County Teachers Federal Credit Union 137 Ocoee Xing NW 37320 (423) 479-6392 No 5.28
Pathway CU PATHWAY CREDIT UNION 2751 RALPH BUCKNER BLVD NE 37320 (423) 479-2168 No 6.28
B. M. H. CU FISERV/INTEGRASYS 13245 Reese Blvd W Ste 130 28078 (704) 948-3090 No 6.43
Collegedale CU Corporate Office 5046 University Drive 37315 (423) 396-2101 No 8.16

Smart Choice Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Smart Choice Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 7.00 16.00 8.00 N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 550 819 470 N/A
Rank Among All Tennessee Credit Unions N/A 90 94 64 N/A

Smart Choice Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.25 N/A 0.50 N/A
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 95 N/A 263 N/A
Rank Among All Tennessee Credit Unions N/A 10 N/A 33 N/A
Smart Choice Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 15.000181353,768
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 7.000437,440
Used Vehicle Loans 16.000216872,335
Total 1st Mortgage Real Estate Loans/Lines of Credit 8.000999,148
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.0001042,835
TOTAL LOANS & LEASES 4201,405,526

Smart Choice Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 00126,004
    a. > 15 years 0000
    b. 15 Years or less 999,14800
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 999,148126,004


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Smart Choice Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program No
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website No