Know your score

Access your credit score anytime, anywhere with Digital Banking

Free, unlimited access

Check your credit score and report as often as you'd like, at no cost to you

Monitor activity

Receive alerts when changes occur to your credit report

Special offers

Save money with exclusive offers when you check your score or report

Free credit score monitoring keeps you updated and in control.

My Credit Score comes from SavvyMoney, a HawaiiUSA Federal Credit Union partner

  • A higher credit score helps you secure better rates on loans
  • Look at the factors that impact your current score and what changes you can make to raise your score
  • Learn what you do well or what needs to change financially
  • Access personalized tips to improve your credit score
  • To prevent identity theft, watch for things like new accounts being opened, a change in address, or anything else that seems suspicious


The scores are automatically updated monthly (every 30 days) without any needed action from you, or you also have the option to refresh your credit score and credit report daily, by clicking “Refresh Score” on the My Credit Score dashboard.

HawaiiUSA Consumer Digital Banking Users only, not available for Minor (under 18 years of age), Trust, Business, or Nonprofit accounts.

No. Checking My Credit Score is a soft inquiry, which does not affect credit scores. ‘Hard inquiries’ are used by lenders to make decisions about your creditworthiness when you apply for loans. Hard inquiries can lower a credit score.

My Credit Score pulls members’ credit profiles 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. The key factors that drive the score are the same.

There are three major credit reporting bureaus—Equifax, Experian and Transunion—and two scoring models—FICO or VantageScore—that determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. 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.

Credit Scores are represented along a credit score range, which helps Members get an easier understanding of where they stand.

  1. 781–850: This score range is considered “Excellent”. Members in this range have very healthy credit history, and are usually eligible for lowest rates on loans and most generous offers on credit cards.

  2. 661-780: This score range is considered “Good”. These Members typically have good credit; but it may have a few negative things on their report that lowered their score. These Members may not get the lowest rates on all types of loans.

  3. 601-660: This score range is considered “Fair”. Members in this range do not get the lowest rates on loans and opportunities to borrow start becoming limited.

  4. 501-600: This score range is considered to be “Unfavorable”. Members in this range are new to credit or have had significant defaults. Members in this range get loans at rates that are amongst the highest in the market.

  5. Below 500: This range is considered to be “Poor”. Members in this range are new to credit or have had significant defaults. Members in this range may find it hard to find credit.

Get started?

Activate My Credit Score by logging in to your Digital Banking account

Need to enroll in Digital Banking? Enroll online or download the mobile app*


Mobile Banking is free to all HawaiiUSA Online Banking members. An internet-enabled device is required to access the HawaiiUSA Mobile Banking App. You must be enrolled in HawaiiUSA Online Banking to access Mobile Banking. Enrollment in HawaiiUSA Online Banking Bill Pay is required to access any bill payment services on Mobile Banking. Standard messaging and data usage fees apply. Please contact your carrier for details. Your mobile device must be registered through the Mobile Banking Service enrollment process.

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