Online Banking

Free Credit Score Tool

Get notifications on credit changes and monitor your progress with no impact to your score.

Tracking your credit score is easier than ever with Credit IQ! Get notifications on credit changes and monitor your progress as often as needed with no impact to your credit score. Along with tips on improving your credit score and finding the best rates for your needs, Credit IQ is your newest tool for improving your financial wellness.

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Save Money

Turn your credit into an engine for financial success and discover how much you can save by refinancing with us.

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Credit Confidence

Never miss a thing and empower your financial decisions by accessing your score anytime.

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Score Simulator

Simulate how your score may change with new credit inquiries, pay-offs, on-time payments and more!

Monthly Credit Report

Your report card within Credit IQ includes your full credit report and shows each category that makes up your score. Each category provides your grade and recommendations for ways to improve your score.

Credit IQ Screenshot

Frequently Asked Questions

Is there a cost?

No. Credit IQ is free and no credit card information is required to sign up.

How often is my score updated?

Your score will be updated automatically each week.

Will accessing Credit IQ ‘ping’ my credit and potentially lower my credit score?

No. Checking Credit IQ is a “soft inquiry”, which does not affect your credit score. When your credit is pulled when applying for loans, a ‘hard inquiry’ is made.

How does Credit IQ keep my financial information secure?

Credit IQ uses bank-level encryption and security measures to keep your data safe and secure. Arkansas Federal will never share your personal information with non-affiliates for marketing purposes.

Enroll in Credit IQ Today!

Getting started is easy. Just log in to digital banking and follow the steps.