Introducing CreditSmart

Hughes Federal Credit Union's mission has always been to make a positive difference in our members' financial lives. Now with the introduction of CreditSmart powered by SavvyMoney®, we're furthering that mission.


This new online tool gives members access to their credit reports and scores via Digital Banking accessed on their desktop computers and mobile devices. Credit Smart's reporting feature provides the same robust information you would find on your credit report while helping you to understand the key factors that impact your score and overall financial health.

  • Take control of your credit score and report
  • Understand your credit and how to improve it with personalized tips
  • Monitor your credit with important alerts
  • Identify and dispute credit bureau errors
  • Find savings opportunities

Enroll today!

Frequently-Asked Questions

CreditSmart - How often is my credit score updated?

As long as you regularly access online banking, your credit score will be updated every 7-days and displayed within your online banking screen. You also have the ability to refresh your credit score and full credit report every 24-hours by clicking “Refresh Score” by navigating to the detailed Credit Score Dashboard from within online banking.
Credit score meter

What's your score?

With CreditSmart, Hughes members can monitor their credit score daily, always knowing where their credit stands.*

How to enroll:

  • Log in to Digital Banking or the Hughes FCU Digital Banking app
  • Navigate to the CreditSmart widget and select "Get Started"
  • Read and accept the terms and conditions
  • Get your score!

New to Digital Banking?

Enroll in Digital Banking

*Users have the ability to refresh their credit score and full credit report every 24-hours by clicking “Refresh Score” on the Credit Score & Report Dashboard from within digital banking.