New Debt-to-Income Module Comes to SESLOC Online Banking

At SESLOC, we believe your Online Banking should offer more than your balances and bill pay options. Your digital experience should also educate you on your financial life and help you maximize everything from your savings to your credit score.

To help you monitor your credit and potentially improve your credit scores over time, we’re launching a new Online Banking tool with our partners at SavvyMoney. Starting Tuesday, January 20, 2026, you will see a Debt-to-Income module¹ as part of your Financial Wellness Tools.

The Debt-to-Income (or DTI, for short) module can help you understand not only how much debt you are carrying, but how much of your take-home pay is going towards paying down bills. Start by entering your gross annual income and monthly housing payment into the module and you will get your Debt-to-Income percentage and rating.

This tool will also break down your debt by the types you are carrying, give it a rating as part of your overall credit health and give you personalized recommendations for lowering your DTI ratio. With another view into your income and debt, you can make smart budgeting decisions to pay down debts, increase savings and set goals for your financial life. Plus, your DTI history is automatically updated each time a new credit report is generated, meaning you’ll get the latest data as you pay down loans and credit cards.

Alongside your complimentary credit score² inside Online Banking, this newest tool is provided for free as part of your SESLOC Credit Union membership. If you are not already enrolled, take a moment in Online Banking to enroll in the SavvyMoney service. Then, next time you are logged in, simply tap or click on the Credit Score solution button, and select the Debt-to-Income tile to choose the link that says “Check your DTI in seconds.” To complete the process, you will need to manually put in your gross annual income and total monthly housing payments. The new feature won’t require a credit check, as it will automatically pull your credit data through the SavvyMoney tools.

Don’t guess on your debt, or what you can do to lower your balances – set a plan with the new Debt-to-Income tool inside Online Banking. Try it today and get a better understanding of your financial life.

If you need help, check out our online tutorials for getting started with Online Banking or using the Digital Banking Financial Wellness Tools.

1: The Debt-to-Income (DTI) estimate provided is intended for educational and informational purposes only. Please be aware that lenders may use different methods and criteria to calculate DTI when evaluating loan applications. This estimate does not constitute a guarantee of loan approval or offer eligibility. 

2: The credit score in Online Banking is powered by SavvyMoney, pulls your credit profile from TransUnion and uses VantageScore 3.0. This credit score is provided for educational purposes only and a different credit scoring model may be used when applying for credit. The credit score provided is intended to help you understand the factors that affect your credit score, and ways you may be able to save money with SESLOC Credit Union loan products. It is not used for loan approval purposes, or for determining loan rates. Loan rates and approvals are based on information provided to the credit union when you apply for a loan. The credit score found in the credit report may be different than the credit score you see here. The offers presented are not offers to lend. Terms and conditions and offers are subject to change at any time