Check Your Credit Score—Anytime, Anywhere

Your Credit Score & more. Coming soon to Digital Banking.

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- COMING SOON - 

Staying on top of your credit has never been easier—or more secure.

With our new Credit Score & More feature powered by SavvyMoney, you can instantly access your credit score, full report, personalized insights, and monitoring tools—all right inside MidWest America’s Digital Banking.

What You’ll Get

  • Daily Access to Your Credit Score – Check in anytime without affecting your score.

  • Real-Time Credit Monitoring Alerts – Get notified when changes happen.

  • Credit Score Simulator – See how financial decisions could impact your score.

  • Personalized Credit Report – Review factors that influence your credit.

  • Special Credit Offers – Discover opportunities tailored to your credit profile.

  • Financial Education & Tips – Learn how to build and maintain healthy credit.

It’s all free, secure, and available to every MidWest America member enrolled in Digital Banking.

SavvyMoney Credit Score & Report

How to Get Started

  1. Login to MidWest America Digital Banking
  2. Select Credit Score from your dashboard.
  3. Instantly view your score, explore your report, and set up alerts.

That's it! Your credit health is now at your fingertips!

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Frequently asked questions

Credit Score and More by SavvyMoney helps you stay on top of your credit by providing your latest credit score and report and understanding key factors that impact the score. It also monitors your credit daily and informs you by email if any significant changes are detected, such as a new account being opened, a change in address, employment, delinquency, or inquiry has been reported.
 

Yes. Credit Score and More will monitor and send email alerts when there has been a change to your credit profile.

Credit Score and More is entirely free to MidWest America FCU members.

Credit Score and More 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.

The credit score will be updated every seven days and displayed in Digital Banking. You can click "refresh score" as often as every day for an updated credit score.

Credit Score and More makes it best to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can obtain a free credit report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its process for correcting inaccurate information, but every MidWest America FCU Credit Score and More user can "File a Dispute" with Transunion by clicking on the "Dispute" link within Credit Score and More. Transunion will share this with the other bureaus if the accuracy is verified.

Three major credit-reporting bureaus (Equifax, Experian, and Transunion) and two scoring models (FICO or VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit report factors may be considered when calculating a score, and each model may weigh credit factors differently, so no scoring model is identical.

MidWest America FCU uses its own lending criteria for making loan decisions.
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