Free Credit Score

KNOW YOUR SCORE

When you have access to your credit score, you can make smarter choices.

TRACK YOUR PROGRESS

Watching your credit score improve over time helps keep you on track.

PLAN WITH CONFIDENCE

Whether you're applying for a loan or a new apartment, you'll avoid surprises.

CATCH FRAUD EARLY

Daily credit report reviews help you spot unusual activity and errors.

Track Today. Thrive Tomorrow.

Keep Your Credit Score in Check

Your credit score influences everything from loan approvals to interest rates, making it one of the most important numbers in your financial life. By monitoring it regularly, you gain the insight and control needed to navigate your financial journey with confidence. Higher credit scores can lead to:

Lower interest rates on loans and credit cards, saving you money over time.
Better chances of loan and mortgage approvals for your big purchases.
Access to higher credit limits and more favorable financial offers.

Use Allegiance's Online Banking or Mobile Banking app to monitor your credit report and credit score daily!

woman-on-couch-thinking-about-credit-scores

Breaking Down The Facts

What Is A Good Credit Score?

Asking what is a good credit score can be something of a loaded question. The following is an example of the different credit score categories:

Superprime (Excellent): 781-850
Prime (Very Good): 661-780
Nonprime (Average): 601-660
Subprime (Fair): 501-600
Deep Subprime (Poor): 300-500

Given that higher credit scores help borrowers earn low interest rates and favorable repayment terms, a good credit score involves the highest possible number you can achieve.

Feeling unsure about your finances? Get in touch with our free financial coaches. Want to see where your credit score falls? Login to Online Banking or the Allegiance Mobile app and monitor your credit report daily!

Credit Builder Loan

Your credit plays a powerful role in shaping life’s opportunities. Whether you're rebuilding your credit score or just getting started, our Credit Builder Loan requires no credit check and can help you take the first step toward financial success and achieving your goals.

No credit check required.
We place $1,000 on hold in your savings, while you make on-time payments for 14 months to boost your credit score.
Once your monthly payments are made, the $1,000 is yours to spend as you like.

Explore Option

Credit Building Credit Card

If you’re starting to build credit or need to repair a poor credit history, the VISA Secured Card can help!

You’ll have the convenience of having a credit card while still earning interest on the savings account you secure it with. You’ll be building your savings and your credit at the same time! Learn more to see if this option fits your needs.

Explore Option

Financial Counseling

Everyone faces money management setbacks now and then, but you don’t have to go through it alone. Allegiance Credit Union is here to support you, and with free guidance from the certified counselors at BALANCE, you can take the first steps toward improving your financial well-being.

Debt Coaching
Credit Report Review
Housing Counseling
Student Loan Counseling
And More

Explore Option

Credit Builder Loan

Your credit plays a powerful role in shaping life’s opportunities. Whether you're rebuilding your credit score or just getting started, our Credit Builder Loan requires no credit check and can help you take the first step toward financial success and achieving your goals.
- No credit check required.
- We place $1,000 on hold in your savings, while you make on-time payments for 14 months to boost your credit score.
- Once your monthly payments are made, the $1,000 is yours to spend as you like.
Explore Option
Credit Building Credit Card

If you’re starting to build credit or need to repair a poor credit history, the VISA Secured Card can help!

You’ll have the convenience of having a credit card while still earning interest on the savings account you secure it with. You’ll be building your savings and your credit at the same time! Learn more to see if this option fits your needs.

Explore Option
Financial Counseling

Everyone faces money management setbacks now and then, but you don’t have to go through it alone. Allegiance Credit Union is here to support you, and with free guidance from the certified counselors at BALANCE, you can take the first steps toward improving your financial well-being.
- Debt Coaching
- Credit Report Review
- Housing Counseling
- Student Loan Counseling
- And More
Explore Option

Credit Builder Loan

No credit check required.
We place $1,000 on hold in your savings, while you make on-time payments for 14 months to boost your credit score.
Once your monthly payments are made, the $1,000 is yours to spend as you like.

Explore Option

Your Keys To Financial Health

How Do I Check My Free Annual Credit Report?

At Allegiance, we believe the more tools you have, the better equipped you are to reach your financial goals. We recommend all of our members access their free annual credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—through the official government website, AnnualCreditReport.com. Once every 12 months, you can request your reports at no cost.

By reviewing your credit report regularly, you can stay informed about your credit history, catch any errors early, and protect yourself from identity theft, helping you take confident steps toward a stronger, confident, financial future.

Free Annual Credit Report

What Our Members Are Saying

"I feel like all of my interactions with ACU have been focused on my financial health and well-being as opposed to what may most benefit the credit union."

Kevin M.

“I went in to open a new bank account since I had issues with a previous bank, Hayley was very informative about a second chance bank account, she got me set up and a debit card printed same day.”

Bree S.

Free Credit Score Check

Financial Success For All.

Know Your Score. Own Your Future.