Why TruWest

Experience the TruDifference


Keep track of your credit score with SavvyMoney. SavvyMoney is a comprehensive product offered to TruWest members that provides credit score analyses, full credit reports, monitoring, and personalized product information— all in one dashboard.

  • Access on mobile
  • Monitor debt and activity
  • Get alerts for changes
  • Set goals
  • Simulate changes
  • Submit disputes

More than just your credit score

With SavvyMoney, you can:

  • View your full credit report
  • Monitor for unusual activity
  • Learn how to improve your credit
  • Get an updated score every 24 hours
  • See current product offerings



Like a fortune teller, but better

With SavvyMoney’s score simulator, you are able to project how changes to your financial situation will affect your overall score. From taking out new credit, to paying down existing loans, the simulator will instantly show you how your score will be affected before you actually take any action. Plus, you can:

  • Set goals. Set short- and long-term goals like planning for a vacation or buying a home.
  • Prioritize debt repayment. Determine how to make the biggest impact on your debt repayment plans.
  • Get tips on rebuilding credit and saving money. View customized suggestions for credit maintenance and savings growth.
  • Monitor your accounts to prevent identity theft. SavvyMoney empowers users to keep track of their accounts and identify unusual activity. Errors can be directly disputed.
  • Find products tailored to you. Review credit offers that you are eligible for, and compare which offers are best suited for your individual needs.


Frequently Asked Questions
  • What is SavvyMoney Credit Score?

    SavvyMoney is a comprehensive Credit Score program offered by TruWest® Credit Union, 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 or lower your monthly payments. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

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

  • What is SavvyMoney Credit Report?

    SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of current or previous loans, accounts and credit inquiries.  You will also be able to see details on your payment history, credit utilization and public records that show up on your account. Like SavvyMoney, when you check your credit report, there will be no impact to your score.

  • What is the Score Simulator tool?

    The Score Simulator is an interactive tool that allows you to select various actions you may take and see how your credit score could be affected. Different actions, like paying off a credit card balance might make your credit score move up or down. Just like checking your credit score through SavvyMoney, using the simulator does not affect your actual credit score.

  • Is there a fee?

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

  • How often is my credit score updated?

    As long as you regularly access online banking, your credit score will be updated every 7-days and displayed within your online banking screen. You also have the ability to refresh your credit score and full credit report every 24-hours by clicking “Refresh Score” by navigating to the detailed Credit Score Dashboard from within online banking.

  • How does the SavvyMoney Credit Score differ from other credit scoring offerings?

    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. The SavvyMoney Credit Score may be different from the credit score your financial institution considers when evaluating an application for credit.  Please speak to your loan representative if you have further questions.


  • How does SavvyMoney Credit Score keep my financial information secure?

    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.

Getting Started with SavvyMoney

As easy as 1, 2, 3

  1. 1


    Log in to your online account
  2. 2


    Select "Credit Score - SavvyMoney" from the Manage Money tab in the main navigational menu
  3. 3


    Log in to the app, and select "Credit Score - SavvyMoney" from the More menu

Product(s) and program(s), terms, conditions, and restrictions apply and are subject to change at any time. Enrollment in Online banking and Savvy Money required. Message and data rates may apply. Check with your mobile provider. Must be a TruWest primary member with a minimum $5 opening deposit and continuing balance. Not available for business, trust or special accounts.
TruWest® Credit Union uses separate processes than SavvyMoney for making loan decisions. Your personalized credit score in SavvyMoney is provided for educational purposes only, and is intended to assist you in better understanding the factors that influence your credit score. The credit score you may see from SavvyMoney may be different from the credit report TruWest® Credit Union may run and will NOT be used at a specific time when making a request with TruWest® Credit Union for products requiring a credit score. By joining SavvyMoney, you agree that any additional online banking users under your same login will have access to view your sensitive credit information. The services are provided by SavvyMoney, Inc. and do not represent any agreement by TruWest® Credit Union to provide any product, service, or other benefit.


As a reminder, our branches will be closed on Monday, June 19th in observance of Juneteenth. We will be open our normal hours on Tuesday, June 20th.