Credit scores have taken a beating in the recent economy. At SchoolsFirst Federal Credit Union in Santa Ana, CA, members can improve their credit scores and pay off loans faster with a program called TRIP -- Timely Repayment Incentive Program -- that lowers the interest rate for members who consistently make their payments on time. After members make 12 consecutive and timely payments, their rate drops 0.50%. This incentive continues annually until the loan is repaid or until the lowest rate is reached. TRIP benefits members with reduced rates, improving credit scores, money saved, increased confidence, and an incentive to keep paying on time.