Penny Pointers. Credit Score

Posted: June 17, 2026

Your credit score is a key part of your financial picture. It can affect your ability to borrow, your interest rates, and your monthly payments.

What makes up your score

  • Payment history. 35%
  • Amount owed. 30%
  • Length of credit history. 15%
  • Credit mix. 10%
  • New credit. 10%

Penny Pointers. Tips to improve your score

  • Pay on time
  • Keep balances low
  • Check your credit report regularly
  • Limit new credit applications

Your latest score is ready.

👉 Log in to Online or Mobile Banking to view your credit score

Small tips. Smart moves. That is Penny Pointers.