All Smart Financial locations will be closed this Wednesday, June 19th in observance of Juneteenth. Our normal business hours will resume on June 20.

Consumer Privacy Notice

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number and Billable Account Number
  • Name and Address
  • Date of Birth
How? All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons Smart Financial Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does Smart Financial CU share? Can you limit this sharing?
For our everyday business purposes - such as to process your transaction, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No
For our marketing purposes to offer our products and services to you Yes Yes
For joint marketing with other financial companies No Yes
For our affiliates' everyday business purposes information about your transactions and experiences Yes Yes
For our affiliates' everyday business purposes information about your creditworthiness No No
For our affiliates to market to you Yes Yes
For non-affiliates to market to you No No


To limit our sharing Call 800-392-5084 - Our menu will prompt you through your choice(s). Please select choice number 3. This will connect you with a Member Services representative that will handle your request.

Please note:

If you are a new customer, we can begin sharing your information 10 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions? Call 800-392-5084 to speak with a Member Services representative.


Who We Are
Who is providing this notice?

Smart Financial Credit Union


What We Do
How does Smart Financial Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Smart Financial Credit Union collect my personal information? We collect your personal information, for example, when you become a member:
  • Account Opening
  • Loan Application
  • Driver's License
  • Wire Transfer Instructions
  • Insurance Claims
We also collect your personal information from other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates' everyday business purposes - information about your creditworthiness.
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else? We will discontinue ALL marketing communications.
Your choices will apply to everyone on your account unless you tell us otherwise.


Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.

Smart Financial Resources, LLC, First Advantage Financial Services, LLC, DBA Smart Insurance Group, a wholly-owned subsidiary of Smart Financial Credit Union.
Non-affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
Our joint marketing partners include credit card companies, direct marketing companies, and insurance companies.