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  • Phone: 207-783-2071
  • Routing Number: 211287913

Staying on top of your credit has never been easier!

Credit Score powered by SavvyMoney is available to all Maine Family FCU members through Home Banking and Mobile Banking. Credit Score is a FREE service that helps you understand your credit score by giving you access to your full credit report. Credit Score also provides added credit protection with real-time credit monitoring alerts. Credit Score also offers financial tips and education to help you understand the factors that make up your credit score and ways to improve it.

We've Got You Covered

FAQs

Is SavvyMoney free?

Yes, it is free for any member enrolled in Home or Mobile Banking.

What additional features are available through SavvyMoney besides a credit score?

In addition to providing a credit score, SavvyMoney offers credit report monitoring, credit alerts, credit score improvement recommendations, credit score simulators, and identity theft restoration services through Allstate Identity Protection.

Do I need to provide any additional personal information to use SavvyMoney?

You do not need to provide any additional personal information to use SavvyMoney. Since all members who use Home and Mobile Banking are automatically enrolled, you can use the service without completing a separate enrollment process.

Is my personal information secure?

Yes. SavvyMoney uses secure technology to help protect member information. Maine Family FCU does not sell member information, and members can review the Credit Score Terms and Conditions for additional details regarding data usage and privacy.

How often are credit scores updated?

If you regularly access Home Banking or Mobile Banking, your credit score will be updated every 7 days and displayed within Home Banking or Mobile Banking. You can also refresh your credit score and full report every 24 hours by clicking “Refresh Score” and navigating to the detailed Credit Score Dashboard within SavvyMoney.

What if the information provided by Credit Score appears to be inaccurate?

Each credit bureau has its process for correcting inaccurate information, but you can file a dispute by clicking on the “Dispute” link within the SavvyMoney Credit Score credit report.

Will enrolling or accessing Credit Score results in a credit inquiry and potentially lower my credit score?

No. Checking your credit score on SavvyMoney’s Credit Score is a “soft inquiry” that does not affect your credit score.

Will this score be used when I apply for loans with Maine Family FCU?

SavvyMoney uses Vantage 4.0, which is the same scoring model Maine Family FCU uses when evaluating consumer loan applications.

Can the credit score in SavvyMoney differ from other credit offerings?

Yes. Credit scores can vary because there are three major credit reporting agencies, Equifax, Experian, and TransUnion, and multiple scoring models, including FICO® Score and VantageScore®. Financial institutions may use different credit bureaus and scoring models when evaluating credit. 

While all scoring models consider factors such as payment history, credit utilization, account age, and recent credit activity, each model weighs these factors differently. In addition, the information reported to each credit bureau may not be identical. 

As a result, it's normal to see slight differences between credit scores from different sources. However, your scores should generally reflect the same overall credit health and trend in a similar direction over time.

How do I enroll?

All members enrolled in Home and Mobile Banking automatically get access to SavvyMoney. Our goal is to make it easier for members to access free financial wellness tools and credit monitoring services. Members may opt out at any time if they do not wish to use the service.

Can I unenroll from SavvyMoney?

Yes, by clicking the Resources tab, selecting Profile Settings, and then clicking on “Deactivate Credit Score Account". You can always re-enroll at any time if you change your mind. 

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Hear what our members have to say!

  • My family has been using this credit union for 3 generations now. Great customer service and just really really helpful staff. Working with them is always a pleasure. They truly want the best for their members. Thank you Maine Family!
    Emily F.
  • I have nothing but high praise for the staff at the Auburn branch of MFFCU. For over 17 years I have been a loyal member. Any time I (or my son) have needed assistance from the loan department both you and Sue M. have been extremely helpful and friendly. I look forward to many more years as a member.
    Thomas F.
  • We are longtime members with the credit union. We've always had a great experience with the lending department and all other staff members. They are a great group of people. Very friendly! We will always bank and do our business there.
    Donald G.
  • Anytime I have questions about my loan, the lending team is there to help me, this is the only bank account I have and I don't see myself leaving anytime soon.
    Tyler G.
  • I've been with Maine Family for a long time, you guys are always there for me and have been a great support while trying to build my credit. You treat me fairly and make me feel comfortable in sharing my story.
    Edward F.
  • My experience with getting a loan was super easy, Danielle made the process smooth and was extremely professional and responsive to correspondence.  I enjoyed the experience so much I sent my girlfriend to Maine Family recently to get an auto loan through Danielle as well. She's a great employee!
    Michael L.
  • The entire team is great and very accommodating. I’ve never had an interaction with a teller that left me feeling uncomfortable or not valued. They really are a great team.
    Gabriel J.
  • Maine Family Federal Credit Union has been an outstanding financial partner. Their rates are some of the best around, whether you’re looking for a loan, savings account, or mortgage. The staff is always friendly, knowledgeable, and genuinely helpful—they take the time to explain your options and make sure you’re getting the best fit for your needs. It’s refreshing to work with a team that truly cares about their members. Highly recommend!
    Chris H.
  • My husband and I have been using Maine Family FCU for over 20 years.  We have trusted them with all our banking needs in the course of those years and have been very pleased with the customer service we have received.  Over the past several months, we have reached out to different departments and have been given such amazing customer service.  Their service has been so remarkable that we have now started our family’s next generation with all of their banking needs with Maine Family FCU with our continued trust in them!
    Kacey
  • I cannot say enough great things about the staff!!!! Always so helpful, knowable, upbeat and friendly. Kudos to all of you. I appreciate you!!!
    Joyce S.