Welcome to Credit Union 1
Welcome to Credit Union 1
Electronic Services
Electronic Services
OnLine Express Home Banking
Mobile Banking
1-Touch Automated Phone System
OnLine Express Bill Pay
Apple Pay®
Co-Op Shared Branching
Co-Op ATM Network
Direct Deposit
Payroll Deduction
Bank Wires
Prepaid Cards
U.S. Savings Bonds
Sprint Credit Union Member Cash
Standard Branch Hours
8:30 a.m. to 5 p.m. Mon-Thu
8:30 a.m. to 6 p.m. Fri
8:30 a.m. to Noon Sat
For specific branch/drive-thru hours, use our Find a Branch tool above.

Holiday Closing Schedule
Welcome to Credit Union 1 Header Image


Credit Sense

Do you know your credit score? CreditSense powered by SavvyMoney® is a service included inside Online Express Home Banking that provides you access to your credit score. Register for CreditSense and get your credit score any time you login to Online Express!

Credit Union 1 Content Signing Up Signing Up
Features & Benefits Features & Benefits

Signing up for CreditSense is easy! All you need is a Credit Union 1 account and access to Online Express Home Banking.

The best part is that CreditSense is FREE.

How to Get Started With CreditSense:

  1. Login to Online Express Home Banking.
  2. Click on the orange "Check Yours" button in the CreditSense box on the right side of the page.
  3. Read and accept the terms and conditions of use.
  4. Answer a few simple questions to verify your identity.
  5. Once verified, you're all set to use CreditSense!

CreditSense Ratings
Your Score Affects Several Aspects of Your Life

  • Lenders use your score to figure out how much interest you'll pay.
  • Insurance Providers use your score to determine your rate.
  • Landlords use your score to assess your ability to pay your rent.
  • Employers use your score to aid in determining personal integrity and responsibility.
The lower your score, the higher the likelihood you'll pay more for credit and other services.

Stay On Top of Your Credit Score

Along with your credit score, CreditSense provides you information on why your credit score is what it is. CreditSense provides a letter grade in each of the five components that make up your credit risk score so that you can make better financial/credit decisions.

CreditSense also provides articles, videos and tips for improving, maintaining and developing your score along with tips for handling you daily finances and lifetime financial goals.

Money-Saving Offers

CreditSense will also show you how you can save money with personalized loan recommendations, like refinancing your existing debt and other new lending opportunities with Credit Union 1!

Who can access CreditSense?
    CreditSense is available to the Primary account holder within Online Express Home Banking. If a joint member would like to access Credit Sense, they will need to open their own account with Credit Union 1.
Is there a fee for CreditSense?
    No. CreditSense is included with your access to Online Express. Login to Online Express as often as you'd like to check your score.
How does CreditSense receive my credit score?
    Credit Union 1 works with a trusted third-party service provider, SavvyMoney, to deliver CreditSense to you through Online Express. Credit Union 1 does not receive this information from SavvyMoney, therefore, no Credit Union 1 employee can see your CreditSense credit score. It is confidential and available only for you to view within Online Express. SavvyMoney will never share your personal information with outside entities.
How does CreditSense keep my financial information secure?
    The security of our members' financial information is our top priority. Credit Union 1 has partnered with a third-party, SavvyMoney, to deliver members' credit scores through CreditSense. SavvyMoney applies its own security measures to CreditSense using industry-standard security practices to protect your data.
Is CreditSense an actual credit report?
    No. CreditSense shows your credit score from TransUnion using the VantageScore credit scoring model, which ranges from 300 - 850, along with key factors from your credit report that impact your score. The VantageScore credit scoring model was developed collaboratively by the three major credit bureaus, therefore it seeks to make score information more uniform between the three bureaus to provide consumers with a better picture of their credit health. CreditSense does not include an actual credit report. You may request a full credit report annually at no cost from each of the three credit reporting bureaus (Experian, Equifax, and TransUnion) at www.annualcreditreport.com.
How often is my credit score updated in CreditSense?
    CreditSense will automatically update your score once a month. You can update it more frequently by clicking "update" on the page that presents your score.
Will Credit Union 1 use CreditSense's credit score to make loan decisions?
    No. At Credit Union 1 we have our own lending criteria, based on a full credit report, for making loan decisions and we do not have access to your CreditSense credit score.
What if the information provided by CreditSense appears to be wrong or inaccurate?
    Should you find inaccuracies in your CreditSense account information, such as loans that aren't yours or inaccurate balances (for example), there is a link within CreditSense to file a dispute with TransUnion, the credit bureau that provides CreditSense its information. To further protect yourself from credit inaccuracies and to identify potential fraud, we recommend that you request one free credit report from each of the three credit bureaus annually at www.annualcreditreport.com. Each bureau has its own process for correcting inaccurate information. The Federal Trade Commission's website offers step-by-step instructions if you would like to contact the bureaus to correct errors.
Why am I seeing offers for Credit Union 1 products and services?
    At Credit Union 1 we are always looking for ways to save you money. CreditSense can offer you loans or other services offered at Credit Union 1 that may be of interest to you, and could save money.
Will accessing CreditSense show as an inquiry on my credit report?
    No. CreditSense accesses your credit score as a "soft inquiry" which does not alter your score in any way.
Does CreditSense offer credit report monitoring as well?
    Yes. CreditSense offers free credit report monitoring which will alert you of certain types of changes to your credit report, including new credit accounts opened or attempted to be opened, delinquencies, bankruptcies and more.
How do I change my email address or other personal information?
    Please contact Credit Union 1 directly to change your email address and other information on file.
Can members use CreditSense on mobile devices?
    Yes. Credit Sense is available for both mobile and tablet devices through Online Express.
What if I don't want my credit score to be accessible within Online Express?
    You can disable access to your CreditSense credit score information. To disable, contact Credit Union 1 at (800) 252-6950, option 3.

OnLine Express Home Banking | Mobile Banking