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It Pays to be Savvy

Improve Your Financial Health with Credit Score Monitoring!

Credit Score Monitoring is a free comprehensive credit solution that provides a credit score analysis, full credit report, an interactive score simulator, and personalized loan offers that empower you to take control of your credit. This tool will help you understand your credit score, understand potential factors that might impact it, and what you can do to be financially healthy.

Daily Score Updates 

Daily updates to your credit score via digital banking. 

Score Simulator

Plan ahead and learn how certain actions such as an increase in your payments, or applying for a new credit card can affect your score.

Save Money When You Borrow

Take the guesswork out of what you can borrow with pre-qualified loan offers and rates. 


How to access Credit Score Monitoring

Access this helpful feature to gain control of your finances on one simple dashboard on Digital Banking. It's easy to signup for this free financial tool that will help you meet your financial goals. Access to Credit Score Monitoring does not impact your credit score.

Log In

Log in to Digital Banking

Not using Digital Banking? 

Register Here

Locate the Credit Score Monitoring Widget

Desktop: Click the credit score display in the upper right corner that shows the average score in your area. 

Mobile: Locate the More menu. Depending on your device, it will be in the upper left corner (Androids), or the bottom right corner (Apple apps). Then select Credit Score Monitoring under More widgets

Sign Up

It’s quick and easy to get started. 


Credit Score Monitoring FAQs

  • Can Credit Score Monitoring really help me? 

    Yes, because it provides a complete picture of your credit. Take control of your financial health with a free monthly credit score, a personalized analysis of each component of your score, explanations of factors that impact your score, and recommendations for improving your credit.

  • Will my financial information be safe? 

    Credit Score Monitoring uses the highest level of industry-standard security practices to protect your data.

  • Will using this affect my credit score?

    Using Credit Score Monitoring will never directly impact your credit score. When Credit Score Monitoring accesses your credit file information, it results in a “soft inquiry” that does not affect your score in any way.

  • How does my Credit Score on this app differ from other credit scoring offerings? 

    SavvyMoney, our provider of the Credit Score Monitoring program 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.

  • Is Credit Score Monitoring really free? 

    There is absolutely no cost to you for the Credit Score Monitoring credit score services because we think financial tools are essential to good financial health.

  • Why do Credit Scores differ? 

    There are three major credit-reporting bureaus: Equifax, Experian and Transunion; and two scoring models: FICO or 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 weigh 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: Excellent 781-850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad below 500.

  • What do I do if I’m having technical issues? 

    Please contact us via the Message Center in Digital Banking.