Skip to content

Credit IQ Powered by SavvyMoney

Credit IQ Powered by Savvy Money

Credit IQ Credit Monitoring Tool
Credit IQ is our credit monitoring tool powered by Savvy Money. AMOCO members have access to daily credit-score updates, credit reports, personalized offers based on your credit score1, and financial articles to help you hit your credit score goals. Credit IQ is available in the eBranch – Online and Mobile Banking. In addition to your credit score, you will be able to see what positively and negatively impacts your score and get advice on how to improve it.
1 Credit IQ score may differ from the credit score AMOCO will use at the time you apply for a loan.

Free Credit Check

Check and update your score as many times as you want - its absolutely free! The credit check also won't affect your score.

Improve Your Score

Through a daily score reminder, you will be able to work towards improving your credit. You will get a free credit report with advice and recommendations to help you make improvements. Plus, you will also have access to a library of educational articles.

Personalized Offers

Along with your credit score, you will receive personalized offers based on your credit. When you open Credit IQ, you will be able to calculate your rate to figure out what term works best for you.

How to Get Started

1. Log in to Online Banking.

2.  Click: More > Widgets  Options> then scroll down and add Credit IQ

3. Once you register, you can access your credit score from your computer or mobile app. 

Credit IQ Incentive

September Incentive

If you currently aren't enrolled in Credit IQ and sign up this September we will enter you into a drawing for $2501 !

1NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN THIS SWEEPSTAKES. This promotion is open to all members who are 18 years of age or older at the time of entry. To be eligible, members who are not currently registered for Credit IQ must sign up for Credit IQ during the month of September 2021. Members may also mail a 3×5” card to AMOCO Federal Credit Union, PO Box 889, Texas City, TX 77592-0889 and include your name, address and phone number. The entry must be received prior to 11:59:59 p.m. Central Standard Time on September 30, 2021. All entries have an equal chance of winning. Odds of winning depend on the number of eligible entries received. A random drawing will take place during the month of September 2021. The winner will be contacted, and prize will be awarded as a credit to the AMOCO FCU primary checking account owned by the winner. If winner does not have a checking account, the prize will be credited to the primary savings account owned by the winner. Once the winner has been contacted, they will have 72 hours or 3 days to respond before a new winner is chosen. A completed IRS-W9 will be required to claim the prize, which is reportable to the IRS in the form of a Form 1099. AMOCO employees and Board of Directors/Volunteers are not eligible to win. Subject to membership eligibility. Some fees and restrictions may apply. Offer subject to change or discontinue without notice.

Question Mark

Credit IQ FAQs

The answers you need to the questions you have.

Credit IQ by Savvy Money is a credit monitoring service that pulls your credit score from Transunion and uses VantageScore 3.0. VantageScore 3.0, is a credit score model developed by the three credit union bureaus – Equifax, Experian, and TransUnion.

No, using Credit IQ is absolutely free and benefit for AMOCO members!

No, you can check your credit score as many times as you want and it will not affect your credit score.

Your credit score will be updated every month.

Your credit score is tied to your individual login, other owners will not be able to see your credit score when accessing the eBranch through their individual logins.

Credit IQ uses bank level encryption and security measures to keep your data secure. Your personal information is never sold to a third-party.

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.

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.

Your personal information such as name and address is displayed based on your credit report. If this information is incorrect, we recommend contacting the individual credit bureaus (links below) to find which report is displaying incorrect information, and process a dispute if necessary.

Equifax – How do I correct or dispute information on my credit report?

Experian – How to dispute credit report information

TransUnion – Manage/Dispute your information

External Link Disclosure

By accessing this link, you will be leaving AMOCO FCU's website and entering a website hosted by another party.

Although AMOCO has approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the credit union's website. The other party is solely responsible for the content of its website.

We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the credit union.

You will be redirected to

Click the link above to continue or CANCEL

Login to your account