Log in to Online Banking. Once you are logged in, the Savvy Money widget will be located under your account and loan balances. Click enroll and you’re all set!

SavvyMoney

Q: What is SavvyMoney®?

SavvyMoney® helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.

Q: Does SavvyMoney® offer credit monitoring as well?

Yes. SavvyMoney® will monitor and send email alerts when there has been a change to your credit profile.

Q: Is there a fee for SavvyMoney®?

SavvyMoney® is free to UBI Federal Credit Union members.

Q: Will accessing SavvyMoney® “ding” my credit and potentially lower my credit score?

SavvyMoney® is a “soft inquiry” which does not affect a credit score. Lenders use “hard inquiries” to make decisions about creditworthiness when you apply for loans.

Q: How often is the credit score updated?

The credit score will be updated every seven days and displayed in mobile and online banking. You can click “refresh score” as often as everyday for an updated credit score.

Q: What if the information provided by SavvyMoney® appears to be wrong or inaccurate?

SavvyMoney® make it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute the inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every UBI Federal Credit Union SavvyMoney® user can “File a Dispute” with Transunion by clicking on the “Dispute” link within SavvyMoney® . Transunion will share this with other bureaus if the inaccuracy is verified.

Q: Why do credit scores differ?

Three major credit-reporting bureaus (Equifax, Experian and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial Institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

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SavvyMoney®

Take Charge of your Credit with SavvyMoney®

At UBI Federal Credit Union, we’re here to put you in control of your financial future. With SavvyMoney®, our free and easy-to-use service, you can check your credit score and full report anytime, anywhere—without affecting your score. We also include financial tips and education.

Master your credit standing, with no purchase or credit card required.

Enjoy safe access to:

Your up-to-date credit score & report
Ongoing credit monitoring
Personalized financial tips & education

Staying on top of your credit has never been simpler—or more empowering.


Credit confidence	Daily score updates	Money-saving offers
Never miss a thing with real-time security updates any time your credit file changes.	Empower your financial decisions by accessing your score anytime and anywhere.	Turn your credit into an engine for financial achievement with personalized savings offers.

Keep your credit score front and center.

Tracking your credit score is easier than ever—it can now be displayed right on your Hometech dashboard. By staying in touch with your score, report and monitoring updates, you put yourself in the best position to truly discover financial freedom.


Login	Navigate	Enroll
Log in to Digital Banking.	Look for “Get Your Credit Score” or "Your Credit Score”, then click the button below.	Sign up and you're all set!

FAQ's

SavvyMoney

What is SavvyMoney®?

Does SavvyMoney® offer credit monitoring as well?

Is there a fee for SavvyMoney®?

Will accessing SavvyMoney® “ding” my credit and potentially lower my credit score?

How often is the credit score updated?

What if the information provided by SavvyMoney® appears to be wrong or inaccurate?

Why do credit scores differ?

How do I enroll?

With the UBIFCU Mobile app Hometech, you can do all the same things as Online Banking – but from the convenience of your smartphone! Hometech is available for Apple and Android devices from your app store:

Quick Links

About Us

In 1935, when credit unions were helping Americans through the Great Depression, it was said that credit unions were "not for profit, not for charity, but for service," and that philosophy still holds true at UBI today.

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