Your score reflects what you do now, not what a bank once said.
Unlike a FICO score that reflects your past, your Savings Score reflects your current behavior, and you control it. It is calculated from what you do inside the club, and it decides when your turn comes for your Purchasing Voucher.
- No credit check
- Updated in real time
WHAT MOVES YOUR SCORE
Six things move it, and you control all six.
Every feature on this list is reviewed for disparate-impact risk before it lands in production. The list is exhaustive. These are all the inputs the score considers.
Contribution history
On-time monthly contributions, consistency over the savings phase, and participation in optional acceleration windows. The single largest factor in your score.
Time in good standing
Months since you enrolled in your active club. Compounds over time. The longer you have been in good standing, the more weight your standing carries.
Acceleration behavior
Optional voluntary contributions above the minimum. When you accelerate you signal commitment, and the model rewards that signal.
Engagement with the platform
Logging in to track your position, reviewing statements, completing your profile, and engaging with educational content. All signals that you are informed and active.
Half-payment elections (within structured limits)
Use of the half-payment option within its structured envelope (eligibility window, cool-down period, deferred-amount repayment). Penalized less than missed payments because the relief is structured.
Asset-class community signals
Aggregate, anonymized signals from members in your same asset class. Never individual data, never protected-class attributes. Helps calibrate model timing per asset class.
THE MONTHLY SELECTION, THE 15TH
This is where your turn comes.
Every month on the 15th, the Monthly Selection ranks members by Savings Score. The higher and more consistent yours is, the sooner your turn comes for your Purchasing Voucher. Your behavior sets your rank, so the way you save is what moves you up.
Credit Voucher
PARTICIPANT
MC#0064
64
SAVING SCORE
PARTICIPANT
MC#0058
58
SAVING SCORE
PARTICIPANT
MC#0051
51
SAVING SCORE
PARTICIPANT
MC#0047
47
SAVING SCORE
ECOA-PROTECTED ATTRIBUTES, NEVER USED
What your Savings Score never uses.
These are the attributes protected under the Equal Credit Opportunity Act (ECOA), the Fair Housing Act, and equivalent state-level provisions. Your Savings Score model has never been trained on any of them and never will be.
- Credit score (FICO, VantageScore, or any equivalent)
- Income or income proxies
- Race, color, or ethnicity
- National origin or immigration status
- Gender or gender identity
- Marital status
- Age (other than minimum 18 for legal capacity)
- Religion
- Receipt of public assistance
- Exercise of any right under the Consumer Credit Protection Act
- Disability status
- Sexual orientation
- ZIP code as a proxy for any of the above
TRANSPARENT BY DESIGN
You can see exactly why your score moved.
Audit your own factors
You can audit your own Savings Score factors at any time. Each factor's contribution to your current score is itemized in your member dashboard. If your score moves, you can see exactly why.
Full feature attribution
For each Monthly Selection cycle, the model's outputs are logged with full feature attribution. The audit trail is end-to-end and reviewable by external counsel as part of our compliance program.
Questions members actually ask.
No. Your Savings Score never uses a FICO or VantageScore, and there is no credit check to join. A credit check is one of the thirteen things the score is built to never touch.
See where you stand.
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Available in TX, FL, MA, and CT.