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Take Charge of Your Credit Health

My Credit Score by SavvyMoney

Curious about your credit? Now, you can log into your personal Online Banking or our mobile app to access your credit score, credit report, and credit monitoring for free!

Once you Log In:


Click the prompt on the sample credit score meter to launch My Credit Score.

Mobile App

Select the hamburger menu, click “My Credit Score,” then follow the prompts.

Your Credit Score

This number gives you a quick, current snapshot of your credit.

  • Score is updated monthly, but you can refresh daily if you wish.
  • Scored by VantageScore 3.0, a model developed collaboratively by Equifax, Experian, and TransUnion, the three major credit bureaus. Up to 200 factors are considered when calculating a score.
  • Credit profile is pulled from TransUnion.
  • “Soft inquiry” will not affect your credit score.

Your Credit Score

Your Free Credit Report

This report contains everything you would find on your credit file:

  • Open loans
  • Open accounts
  • Open credit inquiries
  • Payment history
  • Credit utilization
  • Public records

Checking your credit report here won’t affect your credit score, because it’s a soft inquiry.

Your Free Credit Report

Daily Credit Monitoring

This service helps flag potential fraud and identity theft attempts by checking your credit report daily. You’ll receive an email when the system detects any of the following events related to your identity:

  • New accounts opened
  • Address changes
  • Employment changes
  • Delinquency reports
  • Credit inquiries

If you ever change your email address, simply update it in your Online Banking.

Daily Credit Monitoring

Educational Content

Learn what affects your credit score positively and negatively. You’ll get helpful tips customized to your unique credit standing, ranging from debt management to overall financial wellness.

Want More Details?

  • The VantageScore 3.0 credit scoring model was collaboratively developed by Equifax, Experian, and TransUnion to make information more uniform between the three major credit reporting bureaus.
    Some financial institutions use the other scoring model (FICO), and each model might weigh some of the 200 factors differently. No matter which scoring model is used, credit ratings fall in these specific ranges:

    Excellent: 781-850
    Good: 661-780
    Fair: 601-660
    Unfavorable: 501-600
    Bad: 500 or below

  • My Credit Score is not intended to be comprehensive and may not provide all information about user accounts. That’s why we encourage you to take advantage of obtaining free credit reports from to look for any incorrect information or discrepancies across all three bureaus.

  • If you ever think there’s a mistake in your report, there are a few things you can do:

    Take advantage of free credit reports from
    Follow up with each credit bureau individually, because they each have their own process for correcting mistakes.
    Go to the Federal Trade Commission’s website for information about correcting errors.

  • This free service can help spot potential fraud and/or identity theft attempts. Your credit report is monitored daily and you’ll be alerted by email if there are any major changes.

  • This free service will not impact your credit score. Lenders use a “hard inquiry” to make decisions about your credit worthiness when you apply for loans, but this service uses a “soft inquiry” to give you a snapshot of your credit standing.

  • My Credit Score uses bank-level encryption and security measures to keep your data safe and secure. This service never shares your personal information with third parties.

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