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Where Your Emergency Fund Fits In: How to Start a Savings Plan

By Excite Credit Union
September 10, 2026
Budgeting, Savings, Talking About Money, Emergency
Building a cushion for unexpected expenses can give you peace of mind and a stronger foundation for your future savings goals. A strong savings plan starts with knowing what you're saving for—and for many people, building an emergency fund is a...
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Will vs. Trust: What's the Difference?

By Excite Credit Union
August 10, 2026
Savings, Talking About Money, Retirement
The Quick Answer: What's the difference between a will and a trust? A will is a legal document that explains who should receive your assets after you pass away. A living trust is a legal plan that holds assets and can manage or distribute them...
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How Do Personal Loans Work?

By Excite Credit Union
July 02, 2026
Talking About Money, Building Credit
The Quick Answer: How does a personal loan work? A personal loan gives you a set amount of money upfront. You pay it back over time with fixed monthly payments, plus interest. Personal loans are often used for one-time expenses, debt consolidation,...
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How to Choose the Right Credit Card for Your Spending Habits and Goals

By Excite Credit Union
June 16, 2026
Budgeting, Savings, Talking About Money, Building Credit, Security
With so many credit cards out there, it can be hard to know where to start. Rewards cards, low-rate cards, secured cards, business cards—the options add up quickly. But the best credit card isn't the one with the flashiest offer. It's the one that...
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Leasing vs. Buying a Car: Which Is Better for You?

By Excite Credit Union
April 28, 2026
Savings, Talking About Money, Auto
Trying to decide whether to lease or buy your next car? The right choice depends on how you drive, what you can afford, and what matters most to you long term. Leasing means paying to use a car for a set period—typically two to three years—with...
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Rebuild Your Finances with Second‑Chance Banking

By Excite Credit Union
April 01, 2026
Budgeting, Savings, Talking About Money, Building Credit
If you’ve ever gone through a difficult financial period and had to manage your money without a reliable bank account, debit card, or direct deposit, you know how frustrating it can be. That’s where second-chance banking can help. Excite Credit...
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How to Protect Your Tax Refund and Put It to Work

By Excite Credit Union
March 04, 2026
Savings, Talking About Money, Emergency, Retirement, Taxes, Security
Your tax refund* can be a welcome boost to your finances, whether you want to catch up on bills or work toward your financial goals. But it’s important to handle that money intentionally. A mistake can delay your refund, expose it to fraud, or...
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Smart Money Moves: Simple Financial Planning Strategies

By Excite Credit Union
February 03, 2026
Budgeting, Savings, Talking About Money, Emergency, Retirement, Building Credit, Security
Have you ever noticed how ambitious New Year’s resolutions can lose momentum before spring even arrives? You set big goals for personal finance management and financial planning strategies, but feel overwhelmed when it’s time to put them into...
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Drive Home Savings: Nine Reasons Excite Credit Union Auto Loans Are the Smart Choice

By Excite Credit Union
January 13, 2026
Budgeting, Savings, Talking About Money, Auto
Figuring out vehicle financing on your own can be stressful—from auto loan terms and rates to pre-approvals, refinancing, and more. Fortunately, the team at Excite Credit Union is here to guide you through the entire process, helping you secure a...
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Six Financial Resolutions You Can Actually Stick To

By Excite Credit Union
December 10, 2025
Budgeting, Savings, Talking About Money
Wondering how to stick to your financial resolutions in the New Year? The key is to focus on small, achievable goals that deliver meaningful results. Start in January with these six simple steps. Each one is easy to do and will help you build...
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