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Buying a Car: What Terms Should You Get?

By Excite Credit Union
February 28, 2022
Budgeting, Auto
An auto loan is an affordable and convenient way to buy a car – but how can you decide what loan term to get? Both short and long auto loan terms have their pros and cons. Choosing the right term is important because it will impact your monthly...
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How Does a Secured Credit Card Work?

By Excite Credit Union
February 25, 2022
Credit Cards
A secured credit card gives you a credit limit based on the funds in your savings account. Your savings work as collateral for the purchases you make on your card. If you're at the start of your financial journey, or you need to repair bad credit,...
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How to Refinance an Auto Loan

By Excite Credit Union
February 25, 2022
Budgeting, Auto
Refinancing your auto loan is a simple way to get a lower APR or change your term so you have the right monthly payment for your changing financial situation. To do an auto loan refinance, you follow similar steps as when you took out your...
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How to Save Money When Buying a Car [and Prices Are High]

By Excite Credit Union
February 03, 2022
Savings
Now might not feel like the best time to buy a car. We're in the grip of supply chain issues and there's a shortage of microchips essential to the modern vehicle. This combination of factors means prices for new and used cars have soared. But it's...
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Credit Union Credit Cards vs. Bank Credit Cards

Belonging to your local credit union means you're more than just a number. It's like you become a member of a special club with a host of perks and benefits – including great offers on credit cards. When comparing credit union credit cards vs....
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Credit Card Payoff Plan [With Payoff Calculator]

By Excite Credit Union
January 26, 2022
Budgeting, Talking About Money
It can be easy to push aside credit card debt and pretend it doesn’t exist, but facing it head-on is the only way to truly tackle it. If you’ve racked up a lot of debt, paying it off is going to take time and patience. Having a credit card payoff...
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Credit Union Auto Loan Benefits You Won't Get From a Bank

By Excite Credit Union
January 26, 2022
Talking About Money
Financing an auto with a credit union is the better choice. That may sound like a bold statement, but there’s a lot of reasons to believe it. If you’re contemplating a new car purchase, credit union membership can help you get a car loan that is...
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