SavvyMoney

Access Your Free Credit Score & Report

CFCU’s goal is to help members achieve financial success while providing the best and most up-to-date financial resources. We’re excited to offer SavvyMoney through Online Banking and the CFCU Mobile app, allowing CFCU members to check their credit score at any time, right from their phone or computer! SavvyMoney is free and is a great resource to help you monitor your credit report and improve your credit score.

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See SavvyMoney FAQs
SavvyMoney Credit Score & Report

SavvyMoney FAQs

Any CFCU member can access SavvyMoney within the CFCU Mobile App or in Online Banking, regardless of if you have a credit card or not! Not a member? Sign up here!

Nope! SavvyMoney is completely free for CFCU members who are enrolled in online banking. Log in as often as you’d like to check your credit score.

As long as you are a regular mobile app or online banking user, your credit score will be automatically updated monthly and displayed when you log in. You can click “refresh score” as frequently as every day, if you wish.

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

There are three major credit reporting bureaus – Equifax, Experian and TransUnion – and two scoring models – FICO and VantageScore – that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weight credit factors differently, so no scoring model is completely identical. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges:

A+ 730 – 850

A 680 – 729

B 640 – 679

C 600 – 639

D 550 – 599

E 549 and below

No, CFCU uses its own lending criteria for making loan decisions.

Nope! Checking SavvyMoney is a “soft inquiry,” which does not affect your credit score. Lenders use ‘hard inquiries’ to make decisions about your credit worthiness when you apply for loans.

It sure does. SavvyMoney will monitor and send email alerts when there’s been a chance to your credit profile.

SavvyMoney uses bank level encryption and security measures to keep your data safe and secure. Your personal information is never shared with or sold to a third party.

You may receive CFCU offers on loans or services that may be of interest to you and could provide you opportunities to save money.