--- title: Excite Credit Union Blog | Excite Credit Union (2) description: Helpful financial tips and community news from your local credit union – grow your knowledge and your savings. (2) --- Quick Links - [Apply for a Loan](https://app.loanspq.com/apply.aspx?lenderref=alliancecu072715&list=VLPLCCHECBST&__hstc=252540758.bfd648fb4d85804455d19f67175cec20.1607694245454.1614070041557.1614072156284.12&__hssc=252540758.1.1614072156284&__hsfp=1927552622&_ga=2.9158332.885728407.1614017764-121813073.1607694182) - [Become a Member](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD0RL3d1qFbsgl3hCp93n027H1L7KzQZRI2Db4r0gTGgxv49ElHWJLJGUTrsAFeKZSpF43nMHP5vg6uO7xTE5xO8&_ga=2.1016631.788664191.1587659479-1211589023.1585243269&__hstc=252540758.bfd648fb4d85804455d19f67175cec20.1607694245454.1614070041557.1614072156284.12&__hssc=252540758.1.1614072156284&__hsfp=1927552622) - [Make a Payment](https://excitecu.org/payment-options) - [Make an Appointment](https://apps.excitecu.org/appointments) Locations/Hours% Rates Contact [![branding-excitecu-header](https://blog.excitecu.org/hs-fs/hubfs/Imported%20images/branding-excitecu-header.png?width=286&height=119&name=branding-excitecu-header.png "branding-excitecu-header")](https://excitecu.org/)   ### [Personal](https://www.excitecu.org/Personal) - #### Save & Spend - [Checking](https://www.excitecu.org/Personal/Save-Spend/Checking) - [Savings](https://www.excitecu.org/Personal/Save-Spend/Savings) - [Certificates](https://www.excitecu.org/Personal/Save-Spend/Certificates) - [IRAs](https://www.excitecu.org/Personal/Save-Spend/IRAs) - [Digital Services](https://www.excitecu.org/Personal/Save-Spend/Digital-Services-New) - #### Borrow - [Home Loans](https://www.excitecu.org/Personal/Borrow/Home-Loans) - [Vehicle Loans](https://www.excitecu.org/Personal/Borrow/Vehicle-Loans) - [Personal Loans](https://www.excitecu.org/Personal/Borrow/Personal-Loans) - [Credit Cards](https://www.excitecu.org/Personal/Borrow/Credit-Cards) - [Solar Loans](https://www.excitecu.org/Personal/Borrow/Solar-Loans) - [Student Loans](https://www.excitecu.org/Personal/Borrow/Student-Loans) ### [Business](https://www.excitecu.org/Business) - #### Solutions - [Business Checking](https://www.excitecu.org/Business/Solutions/Business-Checking) - [Business Savings](https://www.excitecu.org/Business/Solutions/Business-Savings) - [Business Services](https://www.excitecu.org/Business/Solutions/Business-Services) - [Business Lending](https://www.excitecu.org/Business/Solutions/Business-Lending) ### [Plan](https://www.excitecu.org/Plan) - #### Invest - [Investments](https://excitecu.cusonet.com/) - #### Insure - [Auto Protection](https://www.excitecu.org/Personal/Borrow/Vehicle-Loans/Auto-Insurance) - [Insurance Services](https://www.excitecu.org/Plan/Insure/Insurance-Services) ### [Learn](https://blog.excitecu.org/Learn?hsLang=en) - #### Education - [Blog](https://blog.excitecu.org/) - [Financial Education](https://www.excitecu.org/Learn/Education/Financial-Education) - [SavvyMoney®](https://www.excitecu.org/Learn/Education/Credit-Score) - [FAQs](https://www.excitecu.org/Learn/Education/FAQs) - [Calculators](https://www.excitecu.org/Learn/Education/Calculators) - #### About Us - [Why We're Here](https://www.excitecu.org/Learn/About-Us/Why-Were-Here) - [Membership](https://www.excitecu.org/Learn/About-Us/Membership) - [Locations](https://www.excitecu.org/Learn/About-Us/Locations) - [Leadership](https://www.excitecu.org/Learn/About-Us/Leadership) - [Media](https://www.excitecu.org/Learn/About-Us/Media) - [Careers](https://www.excitecu.org/Learn/About-Us/Careers) - [Fee Schedule](https://www.excitecu.org/ExciteCU/media/Documents/Fee-Schedule-rev-8-24-2020.pdf) - [Privacy](https://www.excitecu.org/Learn/About-Us/Privacy) - [Security](https://www.excitecu.org/Learn/About-Us/Security) ### [Give](https://www.excitecu.org/Give) - #### Community - [Community Events](https://www.excitecu.org/Give/Community/Events) - [Excite Foundation](https://www.excitecu.org/Give/Community/Excite-Foundation) - [Excite Cares](https://www.excitecu.org/Give/Community/ExciteCares) [Rates](https://www.excitecu.org/Learn/About-Us/Rates) [Locations/Hours](https://www.excitecu.org/Learn/About-Us/Locations) [Contact](https://www.excitecu.org/Learn/About-Us/Contact-Us) Search term(s) Submit - [Personal](https://www.excitecu.org/Personal) - Save & Spend - [Checking](https://www.excitecu.org/Personal/Save-Spend/Checking) - [Savings](https://www.excitecu.org/Personal/Save-Spend/Savings) - [Certificates](https://www.excitecu.org/Personal/Save-Spend/Certificates) - [IRAs](https://www.excitecu.org/Personal/Save-Spend/IRAs) - Borrow - [Home Loans](https://www.excitecu.org/Personal/Borrow/Home-Loans) - [Vehicle Loans](https://www.excitecu.org/Personal/Borrow/Vehicle-Loans) - [Personal Loans](https://www.excitecu.org/Personal/Borrow/Personal-Loans) - [Credit Cards](https://www.excitecu.org/Personal/Borrow/Credit-Cards) - [Student Loans](https://www.excitecu.org/Personal/Borrow/Student-Loans) - [Business](https://www.excitecu.org/Business) - Solutions - [Business Checking](https://www.excitecu.org/Business/Solutions/Business-Checking) - [Business Savings](https://www.excitecu.org/Business/Solutions/Business-Savings) - [Business Services](https://www.excitecu.org/Business/Solutions/Business-Services) - [Plan](https://www.excitecu.org/Plan) - Invest - [Investments](https://excitecu.cusonet.com/) - Insure - [Auto Protection](https://www.excitecu.org/Personal/Borrow/Vehicle-Loans/Auto-Insurance) - [Insurance Services](https://www.excitecu.org/Plan/Insure/Insurance-Services) - [Learn](https://www.excitecu.org/Learn) - Education - [Financial Education](https://www.excitecu.org/Learn/Education/Financial-Education) - [SavvyMoney®](https://www.excitecu.org/Learn/Education/Credit-Score) - [Calculators](https://www.excitecu.org/Learn/Education/Calculators) - About Us - [Why We're Here](https://www.excitecu.org/Learn/About-Us/Why-Were-Here) - [Membership](https://www.excitecu.org/Learn/About-Us/Membership) - [Locations](https://www.excitecu.org/Learn/About-Us/Locations) - [Leadership](https://www.excitecu.org/Learn/About-Us/Leadership) - [Media](https://www.excitecu.org/Learn/About-Us/Media) - [Careers](https://www.excitecu.org/Learn/About-Us/Careers) - [Fee Schedule](https://www.excitecu.org/ExciteCU/media/Documents/Fee-Schedule-rev-8-24-2020.pdf) - [Privacy](https://www.excitecu.org/Learn/About-Us/Privacy) - [Give](https://www.excitecu.org/Give) - Community - [Community Events](https://www.excitecu.org/Give/Community/Events) - [Excite Cares](https://www.excitecu.org/Give/Community/ExciteCares) - [Apply for a Loan](https://app.loanspq.com/apply.aspx?lenderref=alliancecu072715&list=VLPLCCHECBST&__hstc=252540758.bfd648fb4d85804455d19f67175cec20.1607694245454.1614104306112.1614149210007.14&__hssc=252540758.1.1614149210007&__hsfp=1927552622) - [Become a Member](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD0RL3d1qFbsgl3hCp93n027H1L7KzQZRI2Db4r0gTGgxv49ElHWJLJGUTrsAFeKZSpF43nMHP5vg6uO7xTE5xO8&_ga=2.1016631.788664191.1587659479-1211589023.1585243269&__hstc=252540758.bfd648fb4d85804455d19f67175cec20.1607694245454.1614104306112.1614149210007.14&__hssc=252540758.1.1614149210007&__hsfp=1927552622) - [Make a Payment](https://www.excitecu.org/Payment-Options) - [Make an Appointment](https://apps.excitecu.org/appointments) ## [Six Financial Resolutions You Can Actually Stick To](https://blog.excitecu.org/six-financial-resolutions-you-can-actually-stick-to?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) December 10, 2025 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_December2025_Blog_Square_Final-1.jpg)](https://blog.excitecu.org/six-financial-resolutions-you-can-actually-stick-to?hsLang=en) 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... [Read More](https://blog.excitecu.org/six-financial-resolutions-you-can-actually-stick-to?hsLang=en) --- ## [Six Ways to Prepare Your Finances for the Holidays](https://blog.excitecu.org/six-ways-to-prepare-your-finances-for-the-holidays?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) November 14, 2025 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_November2025_Blog_Square_Final.jpg)](https://blog.excitecu.org/six-ways-to-prepare-your-finances-for-the-holidays?hsLang=en) This season is meant to be joyful, but it can also be one of the most expensive—and stressful—times of the year. However, with a bit of holiday financial planning, you can spend wisely and focus on what truly matters. Here are six ways to prepare... [Read More](https://blog.excitecu.org/six-ways-to-prepare-your-finances-for-the-holidays?hsLang=en) --- ## [Financial Scam Awareness for Seniors: Nine Warning Signs to Watch For](https://blog.excitecu.org/financial-scam-awareness-for-seniors-nine-warning-signs-to-watch-for?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) October 15, 2025 [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Security](https://blog.excitecu.org/topic/security?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_October2025_Blog_Square_Final.jpg)](https://blog.excitecu.org/financial-scam-awareness-for-seniors-nine-warning-signs-to-watch-for?hsLang=en) Financial scam awareness for seniors is your first step to staying safe from clever and deceptive schemes. Scammers are always finding new ways to trick people, and older adults are often their favorite targets. By staying alert and knowing what to... [Read More](https://blog.excitecu.org/financial-scam-awareness-for-seniors-nine-warning-signs-to-watch-for?hsLang=en) --- ## [What’s Going on with Student Loan Forgiveness?](https://blog.excitecu.org/whats-going-on-with-student-loan-forgiveness?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) September 23, 2025 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Student Loans](https://blog.excitecu.org/topic/student-loans?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_Sept2025_Blog_Square_Final.jpg)](https://blog.excitecu.org/whats-going-on-with-student-loan-forgiveness?hsLang=en) If it seems like federal student loan forgiveness news changes constantly, you’re not imagining it! With so many updates, it’s easy to feel unsure about what comes next. That’s why staying informed, taking steps to manage your loans, and talking... [Read More](https://blog.excitecu.org/whats-going-on-with-student-loan-forgiveness?hsLang=en) --- ## [Buying a Car from a Private Seller? Here’s How to Make It Happen!](https://blog.excitecu.org/buying-a-car-from-a-private-seller?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) September 22, 2025 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Auto](https://blog.excitecu.org/topic/auto?hsLang=en), [Credit Unions are Different than Banks](https://blog.excitecu.org/topic/credit-unions-are-different-than-banks?hsLang=en) [![](https://blog.excitecu.org/hubfs/Aug%202025%20blog%20square.jpeg)](https://blog.excitecu.org/buying-a-car-from-a-private-seller?hsLang=en) Thinking about buying a car from a friend, neighbor, or someone you found on Facebook Marketplace or Craigslist? Smart move! Buying from a private seller can often get you a better deal than going through a dealership. And the best part? You don’t... [Read More](https://blog.excitecu.org/buying-a-car-from-a-private-seller?hsLang=en) --- ## [Smart Ways to Save on Summer Travel](https://blog.excitecu.org/smart-ways-to-save-on-summer-travel?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) July 14, 2025 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Credit Cards](https://blog.excitecu.org/topic/credit-cards?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_July2025_Blog_Square_Final_v2.jpg)](https://blog.excitecu.org/smart-ways-to-save-on-summer-travel?hsLang=en) Did summer sneak up on you? You’re not alone. Life moves fast, and vacation planning often gets pushed aside. But it’s not too late to enjoy a fun trip—without overspending. To help you save, consider the following five questions and discover... [Read More](https://blog.excitecu.org/smart-ways-to-save-on-summer-travel?hsLang=en) --- ## [Renovation Ready: Smart Options for Funding a Home Improvement Project](https://blog.excitecu.org/renovation-ready-smart-options-for-funding-a-home-improvement-project?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) June 24, 2025 [Real Estate](https://blog.excitecu.org/topic/real-estate?hsLang=en), [Home Improvement](https://blog.excitecu.org/topic/home-improvement?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_June2025_Blog_Square_Final.jpg)](https://blog.excitecu.org/renovation-ready-smart-options-for-funding-a-home-improvement-project?hsLang=en) Dreaming of a new kitchen? Ready to refresh that outdated bathroom? Maybe it’s time to turn your spare room into a home office or in-law suite. Whatever your vision, financing it might be simpler than you expect. When it comes to funding a home... [Read More](https://blog.excitecu.org/renovation-ready-smart-options-for-funding-a-home-improvement-project?hsLang=en) --- ## [Budgeting for Baby: Financial Planning Tips for New Moms](https://blog.excitecu.org/budgeting-for-baby-financial-planning-tips-for-new-moms?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) May 28, 2025 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Parenting](https://blog.excitecu.org/topic/parenting?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_May2025_Blog_Square_Final.jpg)](https://blog.excitecu.org/budgeting-for-baby-financial-planning-tips-for-new-moms?hsLang=en) As a new mother, you’ve discovered that a baby brings enormous joy—and a long to-do list! Fortunately, there is one important task that doesn’t need to be stressful or time-consuming: revising your budget. With the right approach, you can stay in... [Read More](https://blog.excitecu.org/budgeting-for-baby-financial-planning-tips-for-new-moms?hsLang=en) --- ## [Maximize Your Tax Refund with These Smart Financial Moves](https://blog.excitecu.org/maximize-your-tax-refund-with-these-smart-financial-moves?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) April 16, 2025 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Taxes](https://blog.excitecu.org/topic/taxes?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_April2025_Blog_Square_Final.jpg)](https://blog.excitecu.org/maximize-your-tax-refund-with-these-smart-financial-moves?hsLang=en) Getting a tax refund is great, but you can turn it into something even better—an investment in your long-term financial success! Consider these options for making the most of your refund: Pay down your high-interest credit card debt. If you don’t... [Read More](https://blog.excitecu.org/maximize-your-tax-refund-with-these-smart-financial-moves?hsLang=en) --- ## [Built for Stability: How Your Credit Union Safeguards Your Money in Uncertain Times](https://blog.excitecu.org/how-your-credit-union-safeguards-your-money-in-uncertain-times?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) March 07, 2025 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Security](https://blog.excitecu.org/topic/security?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_March2025_Blog_Square_Final.jpg)](https://blog.excitecu.org/how-your-credit-union-safeguards-your-money-in-uncertain-times?hsLang=en) As a credit union member, you can have peace of mind knowing that your money is safe! Even in an unpredictable economy, your credit union provides robust protections and financial stability. Plus, as a financial cooperative, it puts your interests... [Read More](https://blog.excitecu.org/how-your-credit-union-safeguards-your-money-in-uncertain-times?hsLang=en) --- - - [1](https://blog.excitecu.org/author/excite-credit-union/page/1?hsLang=en) - [2](https://blog.excitecu.org/author/excite-credit-union/page/2) - [3](https://blog.excitecu.org/author/excite-credit-union/page/3?hsLang=en) - [4](https://blog.excitecu.org/author/excite-credit-union/page/4?hsLang=en) - [5](https://blog.excitecu.org/author/excite-credit-union/page/5?hsLang=en) - ### Posts by Topic - [Talking About Money (51)](https://blog.excitecu.org/tag/talking-about-money?hsLang=en) - [Savings (28)](https://blog.excitecu.org/tag/savings?hsLang=en) - [Budgeting (23)](https://blog.excitecu.org/tag/budgeting?hsLang=en) - [Building Credit (12)](https://blog.excitecu.org/tag/building-credit?hsLang=en) - [Auto (10)](https://blog.excitecu.org/tag/auto?hsLang=en) - [Credit Unions are Different than Banks (6)](https://blog.excitecu.org/tag/credit-unions-are-different-than-banks?hsLang=en) - [Retirement (6)](https://blog.excitecu.org/tag/retirement?hsLang=en) - [Security (6)](https://blog.excitecu.org/tag/security?hsLang=en) - [Business Services (5)](https://blog.excitecu.org/tag/business-services?hsLang=en) - [Emergency (5)](https://blog.excitecu.org/tag/emergency?hsLang=en) - [Parenting (5)](https://blog.excitecu.org/tag/parenting?hsLang=en) - [Small Business (5)](https://blog.excitecu.org/tag/small-business?hsLang=en) - [Credit Cards (4)](https://blog.excitecu.org/tag/credit-cards?hsLang=en) - [Real Estate (4)](https://blog.excitecu.org/tag/real-estate?hsLang=en) - [Taxes (4)](https://blog.excitecu.org/tag/taxes?hsLang=en) - [Community Engagement (2)](https://blog.excitecu.org/tag/community-engagement?hsLang=en) - [Home Improvement (1)](https://blog.excitecu.org/tag/home-improvement?hsLang=en) - [Insurance (1)](https://blog.excitecu.org/tag/insurance?hsLang=en) - [Student Loans (1)](https://blog.excitecu.org/tag/student-loans?hsLang=en) see all ### About Excite - [About Us](https://excitecu.org/in-the-community/about-us/locations) - [Careers](https://excitecu.org/in-the-community/about-us/careers) - [Community](https://excitecu.org/in-the-community/community/excitecares) - [Legal](https://www.excitecu.org/Legal) - [**Phone: 800.232.8669**](tel:8002328669) - **Routing: 321176804** - **NMLS #477592** ### Resources - [Forms](https://www.excitecu.org/Learn/About-Us/Forms) - [Order Checks](https://www.deluxe.com/products-services/financial-checks-retail-linking.jsp) - [Opt Out](https://newapps.excitecu.org/MemberOptOuts/OptOutHome) - [Sitemap](https://www.excitecu.org/Sitemap) - [Privacy](https://excitecu.org/in-the-community/about-us/privacy) - [Make a Payment](https://www.excitecu.org/Payment-Options) - [Homeowner Hardship Assistance](https://www.excitecu.org/Personal/Borrow/Home-Loans/Home-Loan-Hardship-Assistance) ### Follow Us | [![Download on the App Store](https://www.excitecu.org/Content/Images/mobile-app-apple.png)](https://apps.apple.com/us/app/excite-mobile-banking/id441879558) | [![Get it on Google Play](https://www.excitecu.org/Content/Images/mobile-app-google.png)](https://play.google.com/store/apps/details?id=com.ifs.banking.fiid5230) | | --- | --- | Equal Housing Opportunity Federally Insured by NCUA © 2021 **Excite Credit Union**. All rights reserved. [Contact Us](https://www.excitecu.org/Learn/About-Us/Contact-Us) | [Website Accessibility](https://www.excitecu.org/Website-Accessibility)