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Credit Union West
Routing Number: 322172153
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Check Your Credit Score

Get daily updates of your credit score with SavvyMoney.

Stay on Top of Your Credit

With SavvyMoney, you have FREE and instant access to your credit score, credit report, personalized money-saving offers and financial education tips on how to improve your score or maintain an already great score.

SIMPLE Access & Daily Updates

SavvyMoney is integrated in Mobile & Online Banking so you don't need to create and remember another username and password. Simply opt-in within Online Banking to activate SavvyMoney, and you're good to go!
You can refresh your score daily for real-time updates. You won't be penalized for checking your score daily, it's simply a soft inquiry.

Benefits of SavvyMoney

  • Instant access to your credit score and credit report
  • Understand the factors that impact your score
  • Receive alerts for major changes
  • Financial education tips and articles
  • Daily updates of your credit score
  • Learn how to save money on new and existing loans
  • Quickly identify potential fraudulent activity

Get Started Today

Simply log into Mobile & Online Banking, and click on the credit score widget on the right side of the screen.

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Get Instant Answers

SavvyMoney is a comprehensive credit score program offered by Credit Union West, that helps you stay on top of your credit. You get your latest credit score and report, an understanding of key factors that impact the score, and can see the most up to date offers that can help reduce your interest costs.

SavvyMoney monitors your credit report daily and informs you by email if there are any big changes detected such as: a new account being opened, a change in address or employment, a reported delinquency or a new inquiry. Monitoring helps users keep an eye out for identity theft.

With this program, you always know where you stand with your credit.

As long as you are a regular Mobile or Online Banking user, your credit score will be updated every month and displayed in your Online Banking screen.

You can click “refresh score” daily by navigating to the detailed SavvyMoney widget from within Online Banking.

There are three major credit-reporting bureaus - Equifax, Experian and Transunion - and two scoring models - FICO and VantageScore - that determine credit scores.

Financial institutions use different bureaus, as well as their own scoring models. Over 200 factors of a credit report may be taken into account when calculating a score and each model may weigh credit factors differently, so no scoring model is completely identical.

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

No. SavvyMoney is entirely free and no credit card information is required to register.

SavvyMoney pulls your credit profile from TransUnion, one of the three major credit reporting bureaus, and uses VantageScore 3.0, a credit scoring model developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model seeks to make score information more uniform between the three bureaus to provide consumers a better picture of their credit health.

No, SavvyMoney is a free service designed to help you understand your credit health, how to make improvements in your score and ways you can save money on your loans with Credit Union West. Your credit score is not shared with the credit union.

No. Checking SavvyMoney is a "soft inquiry", which does not affect your credit score. Lenders use "hard inquiries" to make decisions about your credit when you apply for loans.