SavvyMoney: Your Free Credit Score & Financial GPS

SavvyMoney: Your Free Credit Score & Financial GPS

Your credit score matters—but understanding it shouldn't be confusing.

Whether you're buying your first car, thinking about buying a home, or simply trying to improve your finances, knowing your credit score is one of the smartest steps you can take.

That's why Beacon Federal Credit Union offers SavvyMoney FREE through Online Banking and our Mobile App.

Think of SavvyMoney as your personal financial GPS—helping you understand where you are today and showing you the best path toward your financial goals.

What Can You Do with SavvyMoney?

See Your Credit Score Anytime

Check your credit score whenever you want without affecting it. It's updated every seven days, and you can refresh your score daily if needed.

Monitor Your Credit 24/7

SavvyMoney watches your credit for you and sends alerts if something important changes, like:

• A new account is opened
• A hard inquiry appears
• Your address changes
• Delinquent accounts are reported
• Other important credit activity

These alerts can help you catch potential fraud or identity theft early.

Understand What Affects Your Score

Ever wonder why your score went up—or down?

SavvyMoney breaks it down in simple terms, so you know exactly what's helping or hurting your credit.

Try the Credit Score Simulator

Curious what might happen if you:

• Pay down a credit card?
• Open a new loan?
• Miss a payment?

The Credit Score Simulator lets you see how different financial decisions may affect your score before you make them.

Get a Personalized Action Plan

Everyone's financial journey is different.

SavvyMoney creates personalized recommendations to help you build stronger credit based on your unique situation.

Learn About Credit

Building good credit doesn't happen overnight—but it becomes much easier when you understand how it works.

SavvyMoney provides simple educational tips to help you make informed financial decisions with confidence.

Frequently Asked Questions

Is SavvyMoney really free?

Yes! It's a free benefit available to Beacon Federal Credit Union members through Online Banking and the Mobile App.

Will checking my credit score lower it?

No. SavvyMoney uses a soft inquiry, which does not affect your credit score.

How often is my score updated?

Your credit score updates every 7 days, and you can refresh it daily to see the latest information.

What if I find incorrect information?

If something doesn't look right, SavvyMoney makes it easy to initiate a dispute with the appropriate credit bureau.

Does Beacon use SavvyMoney to approve loans?

No. SavvyMoney is an educational tool to help you monitor and understand your credit. Beacon uses its own lending guidelines when making loan decisions.

Your Financial Future Starts Today

Whether you're building credit for the first time, improving your score, or simply keeping an eye on your financial health, SavvyMoney gives you the tools you need—all in one place.

It's simple, secure, and completely free for Beacon Federal Credit Union members.

Log in to Online Banking or the Beacon Mobile App today and start using SavvyMoney.

Mobile App

Tap More at the bottom, select Financial Planning, then choose Credit Monitor by SavvyMoney.

Online Banking

Log in, select the Financial Planning tab, then click Credit Monitor by SavvyMoney.

 

Understanding your credit is the first step toward reaching your financial goals.

Beacon Federal Credit Union
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