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Credit Score

Free, Ongoing Credit Score, Report and Monitoring from SavvyMoney.

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


Credit Confidence

Never miss a thing with real-time security updates any time your credit file changes.

Daily Score Updates

Empower your financial decisions by accessing your score anytime and anywhere.

Money-saving offers

Turn your credit into an engine for financial achievement with personalized savings offers.

New! Keep your credit score front and center.

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



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!

Frequently Asked Questions

 How can it help me?

Tools offered by SavvyMoney include:

  • A free credit score every month
  • 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

 Is it really free?

There is no cost to you whatsoever for the SavvyMoney credit score services or products provided by the Credit Union.

 Is my information safe?

SavvyMoney uses industry-standard security practices to protect your data.

 What is SavvyMoney?

SavvyMoney is the best credit score information service out there if you’re looking to crack the code of credit ratings or learn how the information on your credit reports translates into a score. SavvyMoney will help you cut through the clutter of opinions and sales pitches to get to the facts of how you can use your credit to accomplish your life goals.

 Does using this affect my credit score?

Utilizing the services or products offered by SavvyMoney will never directly impact your credit score. When SavvyMoney accesses your credit file information, it results in a “soft inquiry” that doesn’t alter your score in any way.

 Will the Credit Union honor my SavvyMoney credit score for loan applications?

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 Heartland 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.

 Will someone else on my Credit Union account be able to view their credit score?

No, only the primary member's credit score will be displayed. 

 I'm having a technical issue. What should I do?

Please Contact Us.