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Savvy Money - Credit Score

Savvy Money is a resource available through Online Banking to help members monitor their credit report and score.

725 credit score with a good rating

How do I get started with Savvy Money?

If you haven't already, you must sign up for eBanking in order to use these Savvy Money features.

  • On Desktop eBanking, Savvy Money is presented in the upper right of the screen. In the eBanking mobile app, it is available through the Credit Score widget.
  • You will need to enroll in Savvy Money to view your Credit Score/Report and other available resources to monitor your credit. On desktop eBanking, this is done by clicking the 'Show Full Report' option.

Savvy Money Features

View your Credit Score

Click/tap on Score Analysis to explore and learn more about your Score Rating, Payment History, Credit Usage, Account Mix, Credit Age and Inquiries– all of these can affect your credit score.

View your Credit Report

Credit Report allows you to explore and learn more about your Credit Report, which is updated at least quarterly. You can download your entire Credit Report or review summary information on open and closed accounts, collections information, and any inquiries on your credit. Review Alerts to see actions items you may take to help strengthen your credit.

Resources & Simulator to Learn More

Once in Savvy Money, you can click/tap on Resources to explore a wide variety of articles and blogs about credit. Visit the Score Simulator to review steps you can take to help improve your score and see how a new loan would potentially affect your rating.

Unique Offers to Help Members

You can explore Offers that may help you reduce monthly loan payments and save you money.


The credit score provided is intended to help you understand the factors that affect your credit score, and ways you may be able to save money with CapEd Credit Union loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the credit union when you apply for a loan. The credit score found in the credit report may be different than the credit score you see here. The offers presented are not offers to lend. Terms and conditions and offers are subject to change at any time.