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Smartchoice

1 Les Buzz Way, Spring Valley, IL 61362
NCUA Insured5.0 (25 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1957

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

1 Les Buzz Way

Spring Valley, IL 61362

Google Maps🗺Waze
(815) 481-3537

Service Area

This credit union is located in Spring Valley and serves members in the IL area. Currently serving 247 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.00%

Used Auto Loan

6.00%

Personal Loan

10.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IL

Lowest rates currently reported by credit unions in IL (NCUA Q4 2025).

Tee-Pak— New Auto Loan

Danville, IL

2.49%
National Police— Used Auto Loan

Chicago, IL

2.99%
Israel Methcomm— Personal Loan

Chicago, IL

2.00%
Great Lakes— Credit Card APR

Bannockburn, IL

2.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

5.0

25 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Caitlinn Croft

Caitlinn Croft

3 months ago

My family have been members since I can remember. 🩵 The consistent crew is fantastic for a homie feeling in an otherwise ruthless business genre. Most banks don't have that trusting charm anymore

Paul Howard

Paul Howard

9 years ago

The team at Smart Choice Credit Union really care about their community. Every time I visit, I am greeted with warm, smiling faces and enthusiasm. Denis is a great guy and has no problem taking time from his busy day to assist in any way he can. Linda and Diane are knowledgeable and helpful, and they always make me feel welcome.

Ana Giraldo-Taylor

Ana Giraldo-Taylor

9 years ago

I have been a member from the very beginning. My experience with them has been excellent. Their service and professionalism together with the personal touch makes them the best in the Cleveland area. I wish them the very best as the new name takes them to the next level.

Hillbilly Gem

Hillbilly Gem

8 years ago

Best part other than the friendly staff, and the home made charm, IS the low interest rates! After all they could have been total arses and got my business. Yet and the friendly and professional service is a huge bonus!

Kim Parker

Kim Parker

9 years ago

Friendly folks offering basic credit union services and financial literacy training --- a great place to start a more secure financial future for singles or a family while avoiding payday lenders.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).