Welcome to Smart Choice Credit Union

we are committed to serving our community

The Smart Choice Credit Union, formerly known as the Bradley Initiative Credit Union (BICU), was founded by the Bradley Initiative Church and Community (BICC) in 2003.

We are located in the re-modeled Blythe Avenue School, now known as the Blythe Neighborhood Safe Haven and Resource Center. Our services are designed for all residents and offered in a friendly, comfortable environment in a location that is not only convenient to the neighborhood, but secure as well. Although the history of our credit union is relatively new, our future is bright and promising and our growth potential is unlimited. Current membership is appx 1,000 and we forsee that membership number increasing as we continue to provide our current services and implement additional programs. We have proudly served the Cleveland/Bradley County community since 2003 and look forward to a bright future.  Smart Choice Credit Union is a Minority Depository Institution, A Community Development Institution and a low income designated Institution here to help.


  • Consumer Loans
  • 1st & 2nd Mortgage
  • New Vehicle
  • New Car SPECIAL
  • Used Vehicles

Smart Choice Credit Union - Banking in Cleveland, TN

Smart Choice is a minority depository institution, a community development institution and a low income designated credit union.

NCUA - National Credit Union Administration