Digital banking benefits
- Bank your way: Do nearly any transaction on your phone or computer.
- One app for all: Business and personal members will use the same mobile app.
- Personalized money management: Set saving goals, manage budgets, and track your progress.
- Credit score monitoring: View and understand your latest credit score, and report.
- Expanded member support: With enhanced tools like messaging, on-screen collaboration, and convenient online help content, our goal is to help you every step of the way on this new journey.
Commonly Asked Questions
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SavvyMoney is entirely free to Elevations members.
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Accessing your score through SavvyMoney 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.
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SavvyMoney makes it a best practice to show the most relevant information from a credit report. If you think some information is wrong or inaccurate, you can get a free report from www.annualcreditreport.com and then dispute inaccuracies with each bureau individually. Each bureau has its own process for correcting inaccurate information, but SavvyMoney users can file a dispute with Transunion by clicking on the “Dispute” link within the tool. Transunion will share this with the other bureaus if the inaccuracy is verified.
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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. This means no scoring model is identical.
How can we help you?
Give us a call at (800) 429-7626 | Routing #307074580
*Annual percentage rate
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**All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications and underwriting factors. Please speak with an Elevations representative for more information. Offers of credit are subject to membership requirements and credit approval.