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Free ongoing credit score, reporting, and monitoring



  • Free access to your credit score and full credit report
  • Free access to credit monitoring
  • Money-saving offers from Elements
  • All at no cost to you


  • Available in online banking and Elements mobile app
  • Use online banking or our mobile app to enroll in and access SavvyMoney


Our experienced, helpful member service team is ready to support you!


Live Chat

Chat Available Mon-Fri, 9 am-5 pm Eastern

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Free & Easy Access

SavvyMoney is a free service provided to our members at no cost. Get your daily credit score, monthly credit report, and credit monitoring all at no cost to you!

Access it easily and anytime through online banking or the Elements mobile app.

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Daily Credit Score Updates

Track your credit score daily. Pull your updated credit score up to every 24 hours. Your score will never be negatively affected.

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Improve Your Credit & Save Money

You can take simple actions that guide you to improve your credit. Dispute negative claims easily within SavvyMoney.

Find what Elements loans you can get better interest rates on in one place. View how much lowering your interest rate can save you.

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Frequently Asked Questions

Q:What is SavvyMoney Credit Score?
A: SavvyMoney is a comprehensive Credit Score program offered by Elements Financial, 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. With this program, you always know where you stand with your credit and how your financial institution can help save you money.

Credit Score also monitors your credit report daily and informs you 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 you keep an eye out for identity theft.

Q: What is SavvyMoney Credit Report?
A: SavvyMoney Credit Report provides you all the information you would find on your credit file including a list of open 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 Credit Score, when you check your credit report, there will be no impact to your score.

Q: Is there a fee?
A: No. SavvyMoney is entirely free and no credit card information is required to register.

Q: How often is my credit score updated?
A: As long as you are a regular online banking user, your credit score will be updated every month and displayed in your online banking screen. You can click Refresh Score as frequently as every day by navigating to the detailed SavvyMoney site from within online banking.

Q: How does the SavvyMoney Credit Score differ from the FICO score?
The score provided in SavvyMoney is not the FICO score, but will be close to your FICO score. Both scores create scoring models that use consumer credit data to generate credit scores, but they use different methods to calculate scores, which may result in slight scoring differences.

Q: How does the SavvyMoney Credit Score differ from other credit scoring offerings?
A: 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.

Q: Why do credit scores differ?
A: There are three major credit-reporting bureaus (Equifax, Experian and Transunion) and two scoring models (FICO or VantageScore) that determine credit scores. Financial institutions choose which bureau and scoring model to use. 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. No matter what credit bureau or credit scoring model is used, consumers do fall into specific credit ranges: Excellent 781–850, Good 661-780, Fair 601-660, Unfavorable 501-600, Bad Below 500.

Q: What if the information provided by SavvyMoney Credit Score appears to be wrong or inaccurate?
A: The SavvyMoney Credit Score makes its best effort to show you the most relevant information from your credit report. If you think that some of the information is wrong or inaccurate, we encourage you to take advantage of obtaining free credit reports from, and then pursuing with each bureau individually. Each bureau has its own process for correcting inaccurate information but every user can File a Dispute by clicking on the Dispute link within their SavvyMoney Credit Report. However, The Federal Trade Commission website offers step-by-step instructions on how to contact the bureaus and correct errors.

Q: There is a section on the site that features both Elements Financial product offers and financial education articles. Why am I seeing this?
A: Based on your SavvyMoney Credit Score information, you may receive Elements Financial offers on products that may be of interest to you. In most cases, these offers may have lower interest rates than the products you already have. The educational articles, written by Jean Chatzky and the SavvyMoney team, are designed to provide helpful tips on how you can manage credit and debt wisely.

Q: Will accessing SavvyMoney Credit Score ping my credit and potentially lower my credit score?
A: No. Checking SavvyMoney Credit Score is a soft inquiry, which does not affect your credit score. Lenders use hard inquiries to make decisions about your creditworthiness when you apply for loans.

Q: Does SavvyMoney offer credit report monitoring as well?
A: Yes. SavvyMoney will monitor and send email alerts when there’s been a change to your credit profile.

Q: How do members change their email address or other personal information?
A: If you access SavvyMoney program through your online banking, you have to do nothing! Your email address will get updated automatically in SavvyMoney when you update it with Elements Financial. Please contact us for account changes.

How to Get Started

If you already use online banking with Elements, just log in and click the banner on the right.

If you don't already have online banking but have an existing account with Elements, click here to enroll in Online Banking.


Get started with SavvyMoney:

  • Login — Log into online banking
  • Click the Banner — A banner will display on the right of your screen. Click the banner and answer the few first-time visitor questions to verify your identity.


    Click Featured Tools — SavvyMoney is within the Featured Tools menu, also.
  • You're All Set — Next time you visit online banking, click the banner to bring you to your SavvyMoney dashboard.