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SavvyMoney Program

Get ready to mature into being money smart!

Bayou CFCU’s goal is to help our members achieve financial success and sustainability while providing the best and most up-to-date financial resources.

We’re excited to offer a way to check your credit through our online banking, as well as our mobile app. It allows Bayou CFCU members to check their credit score at any time, right from their computer or phone!

This program is FREE and is a great resource to help you improve or maintain an already great score. You will have instant access to your credit score, credit report, personalized money-saving offers, and financial education tips on how to improve your score.


  • Receive daily credit monitoring with alerts for major changes
  • Identify credit bureau errors
  • Understand the factors that impact your credit score
  • Work toward your financial goals
Did you know? Higher credit score. Lower Interest Rates. Check my score

How to check your credit report via Bayou CFCU online banking

The SavvyMoney program is built right into our easy-to-use platform, so you don’t need a new login. Follow these instructions:

  1. Log in to your home banking
  2. Click on “Get My Credit Report” to get started
  3. Your credit score and credit report are waiting for you
New Year New Credit Score New You Check my score

SavvyMoney FAQs

What does being “money-savvy” mean?

Becoming money-savvy means being able to understand and make good decisions about how to make, spend, and borrow money. You can do so through our comprehensive SavvyMoney Program.

Is SavvyMoney free?

You receive access to credit report monitoring through SavvyMoney. This program comes at NO COST with a membership at Bayou CFCU.

What credit bureau does SavvyMoney use?

SavvyMoney uses Transunion and the VantageScore 3.0 credit scoring model to help determine your credit score. This model was developed by the three major credit bureaus:

  • Equifax
  • Experian
  • Transunion

What is a good credit score?

The VantageScore model generates credit scores on a scale ranging from 300 (poor) to 850 (excellent). Generally, a good credit score on this model would be 661 to 780. Your credit is considered to be excellent once it reaches anything above 780.00

How often does SavvyMoney update?

You can update your credit score as often as every 24 hours. It automatically updates once a month.

Is SavvyMoney Safe?

SavvyMoney uses bank-level encryption and security measures to keep your data and personal information safe.

Will Bayou CFCU use my SavvyMoney credit score to make loan decisions?

The short answer is no. The SavvyMoney Program allows you to monitor your credit score to help you make “savvy” decisions about how to go about obtaining a loan. However, we don’t use this information to make any of our loan decisions.

Does pulling my SavvyMoney credit core have the potential to lower my credit score?

No. When you pull your credit score using SavvyMoney, this is known as a “soft credit pull” and does not affect your credit score.

One example of a “hard credit pull” that does affect your credit score is applying for a line of credit or a loan. This could cause your credit score to drop, and hard credit pulls remain on your credit report for two years. So, it is important to monitor how many times you perform hard credit pulls during a certain amount of time.

Can Bayou CFCU members use SavvyMoney on their mobile devices?

Yes! You can use SavvyMoney to monitor your credit on your mobile device by following these steps:

  1. Login to your Bayou CFCU mobile app (Download it on the App Store or Google Play Store, or sign into our Online banking platform)
  2. Click on the dropdown menu
  3. Select “Credit Score & Report”

In what ways do credit scores differ?

Credit scores differ based on the information that is provided to each credit bureau about your accounts. Credit bureaus may not receive all of the same information about your credit accounts. Keeping that in mind, your credit score could differ based on reporting.

Hard inquiries on your credit report could be another reason for different scores. Each bureau may not have the same inquiries. The result could be the inquiries having a different impact on each score.

Everybody gets one!


You can take advantage of ONE free credit report each year from all three major credit bureaus. Head over to the Annual Credit Report website for more information.