Holiday Hours: All Smart Financial locations will be closed on Monday, January 20th in observance of Martin Luther King, Jr. Day. Regular business hours will resume on Tuesday, January 21st.

Disclosures

Members' Access to Credit Union Documents

Upon request, a member is entitled to review or receive a copy of the most recent version of the following credit union documents: 

  • balance sheet and income statement (the non-confidential pages of the latest call report may be given to meet this requirement);
  • a summary of the most recent annual audit completed in accordance with §91.516 of this chapter (relating to Audits and Verifications);
  • written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof; and
  • Internal Revenue Service Form 990.

Disclosures/Notices