Sign in


Your Credit Score. Anytime. Anywhere.
Go Online

Enroll in Online Banking

To register for Online Banking and manage your credit score using SavvyMoney, you need to enter your:

  • Member Account number 
  • Email Address
  • Last Name
Enroll in online banking

Your Credit Score, Now in Digital Banking!

Staying on top of your credit has never been easier. Now you can see your free, ongoing credit score within your online banking or mobile banking app.

By staying in touch with your score, report, and monitoring updates, you put yourself in the best position to truly reach your financial goals.

There are no extra apps to install or additional tools to learn—simply opt-in within digital banking to activate SavvyMoney, and you’re good to go!

Free Access

Get your daily credit score, monthly credit report, and credit monitoring at no cost.

Track Your Credit Score

Pull your updated credit score every 24 hours. Your score will never be negatively affected.

Save Money

Get personalized offers that can help you reduce your interest costs.

Make Smarter Choices

Test the potential impact of opening new accounts or paying off balances.

Improve Your Credit

Take simple actions that guide you to improve your credit. 

Protect Yourself

Get an alert if SavvyMoney detects any big changes to your credit score.

To Access your Free Credit Score:

  1. Login to online or mobile banking.
  2. Click the SavvyMoney widget on the right side of the screen (desktop) or at the very top of the home screen of your mobile banking app.
  3. Grant SavvyMoney access to your Credit Score and start receiving real-time credit alerts and daily credit score updates.

Don’t have Online Banking? Enroll by clicking below and selecting “New User or Forgot your password”:

Enroll in online banking

Frequently Asked Questions

Tools offered by SavvyMoney include:

  • A free credit score every month with the ability to refresh daily
  • Personalized analysis of each component of your score
  • Clear, simple explanations of factors impacting your score
  • Videos and daily articles from personal finance expert Jean Chatzky

As long as you are a regular online and mobile banking user, your credit score will be updated every month. You can click “refresh score” as frequently as every day by navigating to the detailed SavvyMoney site from within online and mobile banking.

There is no cost to you whatsoever for the SavvyMoney credit score services, and no credit card information is required to register.

No. Checking 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.

No, SavvyMoney Credit Score is a free service to help you understand your credit health, make improvements in your score, and see loan and credit card offers from PFCU. We don’t have access to your credit files with SavvyMoney unless you choose to share it. If you would like to share, you can easily do so by navigating to the Credit Report tab and clicking “Download Report” to share at your discretion.

SavvyMoney uses bank-level encryption and security measures to keep the data safe and secure. Your personal information is never shared with or sold to a third party.

SavvyMoney makes its best effort to show the most relevant information from a credit report. If you think some of the information is wrong or inaccurate, you can “File a Dispute” with Transunion by clicking on the “Dispute” link within SavvyMoney. If the inaccuracy is verified, Transunion will update your report.

We would also suggest you obtain a free credit report from the other bureaus at, and then dispute inaccuracies with each bureau individually. Each bureau has its own process for correcting inaccurate information.

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

Thank you for making the whole process so easy and less stressful! 

Maria P. | Member SINCE 2017
<strong>Maria P</strong>.