The Smart Choice Credit Union All Credit Levels is a cdfi lender from Smart Choice Credit Union. This product reports activity to your personal credit report. Smart Choice Credit Union is a member-focused financial institution located in Cleveland, TN, providing a range of financial services to its members. The credit union serves individuals and families in the local community, offering various lending options to support their financial needs. Services include: personal loans, auto loans, mortgages. US Treasury certified CDFI Credit Union in Cleveland, TN. Membership required.