FICO® Score

Credit Union members who have an active lending relationship with us can now view their FICO® Score when logged into Member Access. This score is retrieved from Equifax on a quarterly basis. For additional information, review FICO® Score FAQ‘s* and Understanding Your FICO® Score*.

About the FICO® Score and Your Credit Union

The FICO® Score provides a single number that can be used by lenders and others to measure a credit report. It uses complex computations (developed by FICO) to weigh and assign values to components of the credit score.

Your FICO® Score is important in that it can impact (good or bad) your ability to obtain a new loan. The higher the score, the better.

Some lenders set loan interest rates based on the borrower’s FICO® Score. The lower the FICO® Score, the higher the loan interest rate. Higher interest rates cost you money. Your Credit Union does NOT set interest rates based on the FICO® Score. Every member who qualifies for a loan receives the same loan rate regardless of their credit score.

The FICO® Score is one of many attributes that are considered by the Credit Union when reviewing loan requests. Factors such as your income, payment affordability, history with the Credit Union, and collateral value (if applicable) all play a role in helping us make lending decisions.

Please note that your credit score is not impacted at all by the Credit Union providing the score to you.

While your FICO® Score can change daily, we obtain the score 4 times a year (around February 15th, May 15th, August 15th and November 15th), as long as you maintain a lending relationship.

Significant changes in your score should be reviewed more closely by obtaining your credit report. It could be an indication of a problem, unless you recently made significant changes to your loans, etc. You can obtain one free credit report per year from
*This material is provided by FICO. Information provided may not reflect the view of your Credit Union. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.