--- title: 8 Financial Mistakes That Will Ruin Your Credit Score description: To help you avoid these complications, here are eight mistakes that can cause a sharp drop in your credit score. image: https://blog.717cu.com/hubfs/GettyImages-1133828519-1.jpg --- [Skip to content](https://blog.717cu.com/resources/education/financial-education-blog/8-financial-mistakes-that-will-ruin-your-credit-score#main-content) [![person with a plus sign](https://blog.717cu.com/hubfs/Fonts/open-account.svg)Open an Account (opens in a new tab)](https://717cu.loanspq.com/apply.aspx?lenderref=717cu032823&list=XASACCPLVLHESTCB) ![pencil writing on paper](https://blog.717cu.com/hubfs/Fonts/apply-loan.svg)Apply for a Loan [Mortgage (opens in a new tab)](https://717cu.mortgagewebcenter.com/) [Other Loans (opens in a new tab)](https://717cu.loanspq.com/apply.aspx?lenderref=717cu032823&list=XASACCPLVLHESTCB) [Credit Cards (opens in a new tab)](https://717cu.loanspq.com/cc/CreditCard.aspx?lenderref=717cu032823) [![red and blue calendar outline](https://blog.717cu.com/hubfs/Fonts/schedule-appt-red.svg)Schedule Appointment (opens in a new tab)](https://717cu.coconutcalendar.com/service) Menu [Locations](https://www.717cu.com/about/connect/locations) [Contact](https://www.717cu.com/about/connect/contact-us) [Rates](https://www.717cu.com/resources/tools/rates) Submit search - [Open an Account (opens in a new tab)](https://717cu.loanspq.com/apply.aspx?lenderref=717cu032823&list=XASACCPLVLHESTCB) - [Apply for a Mortgage Loan (opens in a new tab)](https://717cu.mortgagewebcenter.com/) - [Apply for Other Loans (opens in a new tab)](https://717cu.loanspq.com/apply.aspx?lenderref=717cu032823&list=XASACCPLVLHESTCB) - [Apply for Credit Cards (opens in a new tab)](https://717cu.loanspq.com/cc/CreditCard.aspx?lenderref=717cu032823) - [Personal](https://www.717cu.com/personal) - Checking & Savings - [Checking](https://www.717cu.com/personal/checking-savings/checking) - [Rewards Debit Card](https://www.717cu.com/personal/checking-savings/rewards-debit-card) - [Youth Accounts](https://www.717cu.com/personal/checking-savings/youth-accounts) - [Savings](https://www.717cu.com/personal/checking-savings/savings) - [Certificates](https://www.717cu.com/personal/checking-savings/certificates) - [IRAs](https://www.717cu.com/personal/checking-savings/iras) - [Money Market](https://www.717cu.com/personal/checking-savings/money-market) - [NCUA Insurance](https://www.717cu.com/personal/checking-savings/ncua-insurance) - Loans - [Visa® Rewards Credit Card](https://www.717cu.com/personal/loans/visa-rewards-credit-card) - [Home Loans](https://www.717cu.com/personal/loans/home-loans) - [Home Equity Loans & Lines](https://www.717cu.com/personal/loans/home-equity-loans-lines) - [Home Improvement Loans](https://www.717cu.com/personal/loans/home-improvement-loans) - [Auto Loans](https://www.717cu.com/personal/loans/auto-loans) - [Other Vehicle Loans](https://www.717cu.com/personal/loans/other-vehicle-loans) - [Personal Loans](https://www.717cu.com/personal/loans/personal-loans) - [Loan Refinancing](https://www.717cu.com/personal/loans/loan-refinancing) - [Loan Servicing](https://www.717cu.com/personal/loans/loan-servicing) - [Loan Protection](https://www.717cu.com/personal/loans/loan-protection) - Investments & Insurance - [Retirement and Investment Services](https://www.717cu.com/personal/investments-insurance/retirement-and-investment-services) - [Insurance](https://www.717cu.com/personal/investments-insurance/insurance) - Services - [Online Banking](https://www.717cu.com/personal/services/online-banking) - [Mobile Banking](https://www.717cu.com/personal/services/mobile-banking) - [Account Alerts](https://www.717cu.com/personal/services/account-alerts) - [Digital Wallets](https://www.717cu.com/personal/services/digital-wallets) - [eStatements](https://www.717cu.com/personal/services/estatements) - [Telephone Banking](https://www.717cu.com/personal/services/telephone-banking) - [Visa Account Updater](https://www.717cu.com/personal/services/visa-account-updater) - [Member Medicare Solutions](https://www.717cu.com/personal/services/member-medicare-solutions) - [Direct Deposit & Payroll Deduction](https://www.717cu.com/personal/services/direct-deposit-payroll-deduction) - [Transfers and Payments](https://www.717cu.com/personal/services/ach-transfers) - [Notary & Signature Services](https://www.717cu.com/personal/services/notary-signature-services) - [Business](https://www.717cu.com/business) - Checking & Savings - [Business Checking](https://www.717cu.com/business/checking-savings/business-checking) - [Business Debit Card](https://www.717cu.com/business/checking-savings/business-debit-card) - [Business Savings](https://www.717cu.com/business/checking-savings/business-savings) - [Business Money Market](https://www.717cu.com/business/checking-savings/business-money-market) - [Beneficial Owner](https://www.717cu.com/business/checking-savings/beneficial-owner) - Business Loans - [Commercial Mortgages](https://www.717cu.com/business/business-loans/commercial-mortgages) - [Term Loans](https://www.717cu.com/business/business-loans/term-loans) - [Credit Lines](https://www.717cu.com/business/business-loans/credit-lines) - [Business Visa® Platinum Credit Card](https://www.717cu.com/business/business-loans/business-visa-platinum-credit-card) - [How to Obtain a Business Loan](https://www.717cu.com/business/business-loans/how-to-obtain-a-business-loan) - [PPP Loan Forgiveness](https://www.717cu.com/business/business-loans/ppp-loan-forgiveness) - Services - [Online Banking](https://www.717cu.com/personal/services/online-banking) - [Mobile Banking](https://www.717cu.com/personal/services/mobile-banking) - [eStatements](https://www.717cu.com/personal/services/estatements) - [Small Business Payments](https://www.717cu.com/business/services/small-business-payments) - [Merchant Services](https://www.717cu.com/business/services/merchant-services) - [Small Business Center](https://www.717cu.com/business/services/small-business-center) - Expertise - [The Business Team](https://www.717cu.com/business/expertise/the-business-team) - [Resources](https://www.717cu.com/resources) - Tools - [Calculators](https://www.717cu.com/resources/tools/calculators) - [Rates](https://www.717cu.com/resources/tools/rates) - [Frequently Asked Questions](https://www.717cu.com/resources/tools/faqs) - [Forms & Disclosures](https://www.717cu.com/resources/tools/forms-disclosures) - [Money Management](https://www.717cu.com/personal/services/online-banking/money-management) - Education - [KOFE Financial Education](https://www.717cu.com/resources/education/kofe-financial-education) - [Financial Fundamentals Blog (opens in a new tab)](https://blog.717cu.com/resources/education/financial-education-blog?__hstc=234217473.5ce5ca83aec94dc370482447a8eb1769.1663874974684.1663874974684.1665604044292.2&__hssc=234217473.5.1665604044292&__hsfp=1364930272) - [Life Events](https://www.717cu.com/resources/education/life-events) - [Identity Theft & Fraud](https://www.717cu.com/resources/education/identity-theft-fraud) - [Financial Glossary](https://www.717cu.com/resources/education/financial-glossary) - [Sensitive Accounts](https://www.717cu.com/resources/education/sensitive-accounts) - [Elder Financial Exploitation](https://www.717cu.com/resources/education/elder-financial-exploitation) - [Avoiding the Monthly Service Fee](https://www.717cu.com/resources/education/avoiding-the-monthly-service-fee) - [Scholarships](https://www.717cu.com/resources/education/scholarships) - [About](https://www.717cu.com/about) - Connect - [Let's Start a Conversation](https://www.717cu.com/about/connect/start-a-conversation) - [Contact Us](https://www.717cu.com/about/connect/contact-us) - [Locations, PTMs & ATMs](https://www.717cu.com/about/connect/locations) - [Personal Teller Machines](https://www.717cu.com/about/connect/personal-teller-machines) - [Routing Number](https://www.717cu.com/about/connect/routing-number) - Explore - [Our Story](https://www.717cu.com/about/explore/our-story) - [Community Support](https://www.717cu.com/about/explore/community-support) - [Privacy Policy](https://www.717cu.com/privacy) - [Careers](https://www.717cu.com/about/explore/careers) - [Diversity](https://www.717cu.com/about/explore/diversity) - [Commercials](https://www.717cu.com/about/explore/commercials) - [Annual Report](https://www.717cu.com/about/explore/annual-report) - Membership - [Member Benefits](https://www.717cu.com/about/membership/member-benefits) - [Become a Member](https://www.717cu.com/about/membership/become-a-member) - [Our Partners](https://www.717cu.com/about/membership/our-partners) - What's New - [News](https://www.717cu.com/about/whats-new/news) - [Newsletters](https://www.717cu.com/about/whats-new/newsletter) - [Holiday Schedule](https://www.717cu.com/about/whats-new/holiday-schedule) - [Personal](https://www.717cu.com/personal) - [Business](https://www.717cu.com/business) - [Resources](https://www.717cu.com/resources) - [About](https://www.717cu.com/about) [Locations](https://www.717cu.com/about/connect/locations) [Contact](https://www.717cu.com/about/connect/contact-us) [Rates](https://www.717cu.com/resources/tools/rates) [Search](https://blog.717cu.com/resources/education/financial-education-blog/8-financial-mistakes-that-will-ruin-your-credit-score#search-panel) [Download our Mobile App for the best experience ![](https://blog.717cu.com/Images/app-icon.png?v=f_ntFbV5mVaNH-Hg_hwIdmzDKApJs_w2vKKvDeaq6Zo)](https://www.717cu.com/personal/services/mobile-banking/mobile-banking-app) Online Banking Login Notice Enroll [Forgot Username/Password (opens in a new tab)](https://www.sscuonline.net/dbank/live/app/authUpdate) Financial Fundamentals Blog - [Home](https://www.717cu.com/) - [Resources](https://www.717cu.com/Resources) - Education - [Financial Fundamentals Blog](https://blog.717cu.com/resources/education/financial-education-blog) - **8 Financial Mistakes That Will Ruin Your Credit Score** [Back to Blog](https://blog.717cu.com/resources/education/financial-education-blog) - April 1, 2021 - Francesca Sacco # 8 Financial Mistakes That Will Ruin Your Credit Score ![GettyImages-1133828519-1](https://blog.717cu.com/hs-fs/hubfs/GettyImages-1133828519-1.jpg?width=900&name=GettyImages-1133828519-1.jpg)   Your credit score is a precious asset to your financial outlook. A great credit score will open doors to low interest rates and pain-free credit approvals that strengthen your financial stability and your purchasing power.   A bad credit score is a roadblock to all of those conveniences and can end up costing you money or even limiting your options when seeking out new credit. Because this credit score is based on your own financial behaviors, the decisions you make have a direct impact on your credit score.   In some cases, what may seem like harmless mistakes can actually bring significant consequences that hamper your credit for years to come. To help you avoid these complications, learn more about eight mistakes that can cause a sharp drop in your credit score.   ## 1. Missing the Due Date for Your Bills Do you struggle to pay your bills on time? If so, it could be hitting you hard in your credit score.   [On-time bill payments](https://www.consumerfinance.gov/about-us/blog/credit-mistakes-could-be-costing-you-money/) are one of the most heavily weighted factors when calculating your credit score at any of the three major bureaus. When you miss a payment, your creditor could report it to those bureaus, and the missed payment can be factored into your credit score calculation for the next two years.   ## 2. Overcharging Your Credit Card Overcharging doesn’t directly lead to a lower credit score, but a high debt utilization ratio is a red flag for creditors and will likely lead to a drop—especially if that debt utilization is greater than 30% of your available credit.   High charges can also make it difficult or impossible to pay off your credit card bills in full every month. The good news is that, if your [debt utilization is high](https://www.thebalance.com/things-that-hurt-credit-score-960510), paying off your credit cards can lead to a dramatic increase in your score.   ## 3. Closing Too Many Accounts at Once While you might be tempted to get rid of old [checking and other accounts](https://www.717cu.com/Personal/Checking-Savings/Checking) you never use any more, doing so can hurt your credit score by reducing the age of your average account.    A longer credit history with an older average account age will get scored higher by credit bureaus — so hang onto those older accounts if you can.   ## 4. Never Using Credit Cards or Other Forms of Credit Irresponsible use of credit is a bad strategy for [managing your credit score](https://blog.717cu.com/resources/education/financial-education-blog/how-credit-scores-are-determined-and-why-they-matter). But if your goal is to preserve your credit score by avoiding credit altogether, think again. The lack of any credit history can actually be to your disadvantage because there’s no evidence of creditworthiness to account for in a credit score calculation.   You’re better off using credit in moderation, such as opening a credit card account and using it sparingly to keep it active and build up a positive track record.   ## 5. Cosigning on a Loan for Someone Else [Cosigning on a loan](https://www.aarp.org/money/credit-loans-debt/info-12-2012/common-credit-mistakes-slideshow.html#slide4) can help a friend or family member afford a new apartment, vehicle or even a home. But since you’ve signed an obligation to this debt, the debt counts against your credit score and can lower your score significantly.   ## 6. Applying for New Credit Too Frequently Too many applications within a two-year period can serve as a red flag that your finances may not be in great shape. If you’re constantly trying to acquire access to new credit, credit bureaus will interpret this as a potential sign of risk to creditors.   ## 7. Allowing an Overdue Account to Go into Collections Failing to pay a bill doesn't make it go away. It only leads to that nonpayment appearing on your credit report and damage to your credit score.    Sometimes, this damage can be significant. And you won’t move past this nonpayment quickly. Valid collections accounts will be counted in your credit score for seven years.   Given these consequences, you’re better off paying the bill and keeping your credit report clean.   ## 8. Not Checking Your Credit Report Regularly for Errors Sometimes the reason your credit score drops isn’t your fault at all. It could be caused by a reporting error or other discrepancy that appears on your report.   Given the risk of this information appearing on your report, consumers are encouraged to request free copies of their credit reports at least once a year and to review all of the information to make sure it’s up to date. If you find any inaccuracies, you can submit a dispute to have them removed.   ## Preventing Simple Mistakes from Cutting Down Your Credit Options When you don’t know the criteria used to determine your credit score, simple mistakes or oversights can have large consequences for your creditworthiness — not just today, but for months and even years to come.   With a strong understanding of these rules, though, you can continue to [build a stronger credit history](https://www.717cu.com/Personal/Services/Online-Banking/Money-Management) even in periods of your life where your income and financial outlook isn’t as strong as you would like them to be.    Ready to take an important step toward building credit and managing credit responsibly? [Open a checking account today](https://oao.717cu.com/adexternal/default.aspx?_ga=2.124051146.113288268.1616006924-1881761500.1610565656).   [![New call-to-action](https://no-cache.hubspot.com/cta/default/6651257/d468158d-dbe5-4486-be9a-d3185551d9e0.png)](https://cta-redirect.hubspot.com/cta/redirect/6651257/d468158d-dbe5-4486-be9a-d3185551d9e0) Share this Article: [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.717cu.com%2Fresources%2Feducation%2Ffinancial-education-blog%2F8-financial-mistakes-that-will-ruin-your-credit-score%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.717cu.com%2Fresources%2Feducation%2Ffinancial-education-blog%2F8-financial-mistakes-that-will-ruin-your-credit-score%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://blog.717cu.com/hs-fs/hubfs/2022%20Website%20Refresh/twitter-x-37x37.png?width=24&name=twitter-x-37x37.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.717cu.com%2Fresources%2Feducation%2Ffinancial-education-blog%2F8-financial-mistakes-that-will-ruin-your-credit-score%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.717cu.com%2Fresources%2Feducation%2Ffinancial-education-blog%2F8-financial-mistakes-that-will-ruin-your-credit-score%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=8%20Financial%20Mistakes%20That%20Will%20Ruin%20Your%20Credit%20Score) ### Subscribe to the 7 17 Credit Union Blog ### Categories: - [7 17 Credit Union (46)](https://blog.717cu.com/resources/education/financial-education-blog/tag/7-17-credit-union) - [Auto Loans (6)](https://blog.717cu.com/resources/education/financial-education-blog/tag/auto-loans) - [Budgeting (61)](https://blog.717cu.com/resources/education/financial-education-blog/tag/budgeting) - [Business (6)](https://blog.717cu.com/resources/education/financial-education-blog/tag/business) - [Charitable Giving (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/charitable-giving) - [Checking Accounts (5)](https://blog.717cu.com/resources/education/financial-education-blog/tag/checking-accounts) - [COVID-19 (7)](https://blog.717cu.com/resources/education/financial-education-blog/tag/covid-19) - [Credit Cards (6)](https://blog.717cu.com/resources/education/financial-education-blog/tag/credit-cards) - [Credit Report (16)](https://blog.717cu.com/resources/education/financial-education-blog/tag/credit-report) - [Debt Consolidation (5)](https://blog.717cu.com/resources/education/financial-education-blog/tag/debt-consolidation) - [Digital Wallets (5)](https://blog.717cu.com/resources/education/financial-education-blog/tag/digital-wallets) - [e-Statement (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/e-statement) - [Financial Literacy Month (5)](https://blog.717cu.com/resources/education/financial-education-blog/tag/financial-literacy-month) - [Financial Security (10)](https://blog.717cu.com/resources/education/financial-education-blog/tag/financial-security) - [Fraud and Identity Theft (26)](https://blog.717cu.com/resources/education/financial-education-blog/tag/fraud-and-identity-theft) - [HELOC (4)](https://blog.717cu.com/resources/education/financial-education-blog/tag/heloc) - [Holiday Shopping (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/holiday-shopping) - [Home Equity Line Of Credit (3)](https://blog.717cu.com/resources/education/financial-education-blog/tag/home-equity-line-of-credit) - [KOFE (17)](https://blog.717cu.com/resources/education/financial-education-blog/tag/kofe) - [Life Events (48)](https://blog.717cu.com/resources/education/financial-education-blog/tag/life-events) - [Money-Saving Tips (57)](https://blog.717cu.com/resources/education/financial-education-blog/tag/money-saving-tips) - [Other Vehicle Loans (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/other-vehicle-loans) - [Personal Loan (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/personal-loan) - [Purchasing a Home (13)](https://blog.717cu.com/resources/education/financial-education-blog/tag/purchasing-a-home) - [Scholarships (4)](https://blog.717cu.com/resources/education/financial-education-blog/tag/scholarships) - [Tax Tips (4)](https://blog.717cu.com/resources/education/financial-education-blog/tag/tax-tips) See all ### Subscribe to the 7 17 Credit Union Blog ### Categories - [7 17 Credit Union (46)](https://blog.717cu.com/resources/education/financial-education-blog/tag/7-17-credit-union) - [Auto Loans (6)](https://blog.717cu.com/resources/education/financial-education-blog/tag/auto-loans) - [Budgeting (61)](https://blog.717cu.com/resources/education/financial-education-blog/tag/budgeting) - [Business (6)](https://blog.717cu.com/resources/education/financial-education-blog/tag/business) - [Charitable Giving (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/charitable-giving) - [Checking Accounts (5)](https://blog.717cu.com/resources/education/financial-education-blog/tag/checking-accounts) - [COVID-19 (7)](https://blog.717cu.com/resources/education/financial-education-blog/tag/covid-19) - [Credit Cards (6)](https://blog.717cu.com/resources/education/financial-education-blog/tag/credit-cards) - [Credit Report (16)](https://blog.717cu.com/resources/education/financial-education-blog/tag/credit-report) - [Debt Consolidation (5)](https://blog.717cu.com/resources/education/financial-education-blog/tag/debt-consolidation) - [Digital Wallets (5)](https://blog.717cu.com/resources/education/financial-education-blog/tag/digital-wallets) - [e-Statement (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/e-statement) - [Financial Literacy Month (5)](https://blog.717cu.com/resources/education/financial-education-blog/tag/financial-literacy-month) - [Financial Security (10)](https://blog.717cu.com/resources/education/financial-education-blog/tag/financial-security) - [Fraud and Identity Theft (26)](https://blog.717cu.com/resources/education/financial-education-blog/tag/fraud-and-identity-theft) - [HELOC (4)](https://blog.717cu.com/resources/education/financial-education-blog/tag/heloc) - [Holiday Shopping (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/holiday-shopping) - [Home Equity Line Of Credit (3)](https://blog.717cu.com/resources/education/financial-education-blog/tag/home-equity-line-of-credit) - [KOFE (17)](https://blog.717cu.com/resources/education/financial-education-blog/tag/kofe) - [Life Events (48)](https://blog.717cu.com/resources/education/financial-education-blog/tag/life-events) - [Money-Saving Tips (57)](https://blog.717cu.com/resources/education/financial-education-blog/tag/money-saving-tips) - [Other Vehicle Loans (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/other-vehicle-loans) - [Personal Loan (1)](https://blog.717cu.com/resources/education/financial-education-blog/tag/personal-loan) - [Purchasing a Home (13)](https://blog.717cu.com/resources/education/financial-education-blog/tag/purchasing-a-home) - [Scholarships (4)](https://blog.717cu.com/resources/education/financial-education-blog/tag/scholarships) - [Tax Tips (4)](https://blog.717cu.com/resources/education/financial-education-blog/tag/tax-tips) See all Respectfully. Yours. [Become a Member](https://www.717cu.com/about/membership/become-a-member) [Contact Us](https://www.717cu.com/about/connect/contact-us) [Locations, PTMs & ATMs](https://www.717cu.com/about/connect/locations) 7 17 Credit Union 3181 Larchmont Ave NE Warren, OH 44483 Phone: 800-775-7741 Routing Number: 241282849 [(opens in a new tab)](https://www.facebook.com/717cu) [(opens in a new tab)](https://x.com/717cu) [(opens in a new tab)](https://www.instagram.com/717creditunion/) [(opens in a new tab)](https://www.linkedin.com/company/717cu) [(opens in a new tab)](https://www.youtube.com/user/sevenseventeencu) - Get Started - [Open an Account (opens in a new tab)](https://717cu.loanspq.com/apply.aspx?lenderref=717cu032823&list=XASACCPLVLHESTCB) - [Schedule an Appointment (opens in a new tab)](https://717cu.coconutcalendar.com/service) - [View Current Rates](https://www.717cu.com/resources/tools/rates) - [Careers](https://www.717cu.com/about/explore/careers) - Apply for a Loan - [Mortgages (opens in a new tab)](https://717cu.mortgagewebcenter.com/Account/Login?ReturnUrl=%2fApplyNow&_ga=2.252254721.967274271.1663012043-639871674.1659021833&_gl=1*tjc8ub*_ga*NjM5ODcxNjc0LjE2NTkwMjE4MzM.*_ga_HXKHCYPXRE*MTY2MzAxMjA0My4yOC4xLjE2NjMwMTI4NDguMC4wLjA.) - [Other Loans (opens in a new tab)](https://717cu.loanspq.com/apply.aspx?lenderref=717cu032823&list=XASACCPLVLHESTCB) - [Credit Cards (opens in a new tab)](https://717cu.loanspq.com/cc/CreditCard.aspx?lenderref=717cu032823) 7 17 Credit Union is a local, community-minded credit union in Ohio offering valuable personal and business banking solutions including checking accounts, savings accounts, auto loans, mortgages, home equity loans, HELOCs, credit and debit cards and much more. Bank online, with our mobile app, or visit one of our conveniently located branches in [Austintown](https://www.717cu.com/about/connect/locations/austintown-branch), [Boardman](https://www.717cu.com/about/connect/locations/boardman-branch), [Canfield](https://www.717cu.com/about/connect/locations/canfield-branch), [Canton](https://www.717cu.com/about/connect/locations/canton-branch), [Cortland](https://www.717cu.com/about/connect/locations/cortland-branch), [Howland](https://www.717cu.com/about/connect/locations/howland-branch), [Hubbard](https://www.717cu.com/about/connect/locations/hubbard-branch), [Kent](https://www.717cu.com/about/connect/locations/kent-branch), [Ravenna](https://www.717cu.com/about/connect/locations/ravenna-branch), [Vienna](https://www.717cu.com/about/connect/locations/vienna-branch), [Warren (Downtown)](https://www.717cu.com/about/connect/locations/downtown-warren-branch), and [Warren (Larchmont)](https://www.717cu.com/about/connect/locations/warren-larchmont-branch). [![Download on the App Store](https://blog.717cu.com/hubfs/2022%20Website%20Refresh/app-store.svg?v=TJrQMXGMiczZ7osFYSbZ9gvNaPWbkz57vG8kWJr3jIE) (opens in a new tab)](https://apps.apple.com/us/app/seven-seventeen-credit-union/id889955170) [![Get it on Google Play](https://blog.717cu.com/hubfs/2022%20Website%20Refresh/google-play.svg?v=bTO_h4fZa_i12-VduZXDF9AScu7nma0-cAmzocKn2QA) (opens in a new tab)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid1141) [![Equal Housing Lender](https://blog.717cu.com/hubfs/2022%20Website%20Refresh/ehl.svg)](https://www.717cu.com/resources/tools/forms-disclosures/fair-housing-notice) [![NCUA](https://blog.717cu.com/hubfs/2022%20Website%20Refresh/ncua.svg)](https://www.ncua.gov/Pages/default.aspx) 7 17 Credit Union is federally insured by the National Credit Union Administration. © 2026 7 17 Credit Union. All rights reserved. [Sitemap](https://www.717cu.com/sitemap) [Privacy Policy](https://www.717cu.com/privacy) [Website Accessibility](https://www.717cu.com/website-accessibility) Site Designed by [ZAG Interactive (opens in a new tab)](https://www.zaginteractive.com) Login Alert Title (optional) Close Lorem ipsum is simply [dummy text](http://#) of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. You are about to leave the 7 17 website Close 7 17 Credit Union does not own or operate the linked website and is not responsible for the content of the website. 7 17 does not make any guarantees or endorsements of products that may be available on the linked website. 7 17 does not represent either you or the other party if you enter into a transaction on the website. Privacy and security policies may differ from those practiced by 7 17. Continue Submit search