Smart Financial Credit Union is a cooperative, owned and operated by its members. How it works? Members put their money in a variety of savings accounts, and that money, in turn, is lent to members. After operating expenses and reserve requirements are met, loan income is retuned to all members in the form of dividends and comprehensive financial services. You can learn more about its financial services by browsing the categories located at the top of the homepage. These categories are: Personal, Business, Rates, Apply, About Us, and Education. At this website you can do a lot of things, including applying for: a loan, mortgage, home equity, membership, credit card, debit, direct deposit, student loan, and more. At the business category you can learn more about the benefits of moving your business accounts to Smart Financial. They provide superior service to every member, meaning they meet all of their individual financial needs today and tomorrow.