--- title: Excite Credit Union Blog | Excite Credit Union (6) description: Helpful financial tips and community news from your local credit union – grow your knowledge and your savings. (6) --- 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) - 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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) ## [Three Steps to Bridging the Small Business Cash Flow Gap](https://blog.excitecu.org/bridging-the-small-business-cash-flow-gap?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) April 05, 2023 [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Business Services](https://blog.excitecu.org/topic/business-services?hsLang=en) [![](https://blog.excitecu.org/hubfs/bridging%20the%20cash%20flow%20square.jpg)](https://blog.excitecu.org/bridging-the-small-business-cash-flow-gap?hsLang=en) As a small business owner, it's essential to have a positive cash flow to keep your business running smoothly. But with the various challenges that come with owning a business, such as seasonality, growth, payroll, and employee/customer retention,... [Read More](https://blog.excitecu.org/bridging-the-small-business-cash-flow-gap?hsLang=en) --- ## [Boost Your Financial Literacy: 5 Simple Ways with Excite Credit Union](https://blog.excitecu.org/boost-your-financial-literacy?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) March 31, 2023 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Building Credit](https://blog.excitecu.org/topic/building-credit?hsLang=en) [![](https://blog.excitecu.org/hubfs/boost%20your%20financial%20literacy%20square.jpg)](https://blog.excitecu.org/boost-your-financial-literacy?hsLang=en) April is Financial Literacy Month, which makes it the perfect time to assess your financial knowledge and explore ways to improve it. Being financially literate means having a good understanding of personal finance, including budgeting, saving,... [Read More](https://blog.excitecu.org/boost-your-financial-literacy?hsLang=en) --- ## [My Money is Safe with Excite Credit Union](https://blog.excitecu.org/my-money-is-safe?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) March 28, 2023 [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en) [![](https://blog.excitecu.org/hubfs/my%20money%20is%20safe%20square.jpg)](https://blog.excitecu.org/my-money-is-safe?hsLang=en) Excite Credit Union puts the safety and security of its Members' money as a top priority. With its commitment to financial stability and responsibility, Excite offers its Members peace of mind knowing that their money is safe and secure. Here are... [Read More](https://blog.excitecu.org/my-money-is-safe?hsLang=en) --- ## [Credit Unions are different than Banks](https://blog.excitecu.org/banks_vs_creditunions?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) March 15, 2023 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?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/banks%20vs%20cu%20square.jpg)](https://blog.excitecu.org/banks_vs_creditunions?hsLang=en) Excite is not only a credit union, but for over 70 years, we have been the community’s credit union, prioritizing our Members and committed to our community. So, what is a credit union, how do they differ from banks, and why is that important? ... [Read More](https://blog.excitecu.org/banks_vs_creditunions?hsLang=en) --- ## [How to Improve Your Credit Knowledge](https://blog.excitecu.org/improve-your-credit-knowledge?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) March 08, 2023 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Building Credit](https://blog.excitecu.org/topic/building-credit?hsLang=en) [![](https://blog.excitecu.org/hubfs/Square-4.jpg)](https://blog.excitecu.org/improve-your-credit-knowledge?hsLang=en) National Credit Education Month is a time to celebrate the power of financial literacy and encourage people to take control of your finances. At Excite Credit Union, we believe that having a solid understanding of personal finance is key to... [Read More](https://blog.excitecu.org/improve-your-credit-knowledge?hsLang=en) --- ## [The Power of a Home Equity Line of Credit (HELOC)](https://blog.excitecu.org/the-power-of-a-home-equity-line-of-credit?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) February 21, 2023 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Building Credit](https://blog.excitecu.org/topic/building-credit?hsLang=en), [Real Estate](https://blog.excitecu.org/topic/real-estate?hsLang=en) [![](https://blog.excitecu.org/hubfs/Square-3.jpg)](https://blog.excitecu.org/the-power-of-a-home-equity-line-of-credit?hsLang=en) Are you looking for a flexible and convenient way to access the equity in your home? A Home Equity Line of Credit (HELOC) might be just the solution you need. What is a HELOC? A HELOC is a type of loan that allows you to use your home as... [Read More](https://blog.excitecu.org/the-power-of-a-home-equity-line-of-credit?hsLang=en) --- ## [Building your Credit Score](https://blog.excitecu.org/building-your-credit-score?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) January 25, 2023 [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Building Credit](https://blog.excitecu.org/topic/building-credit?hsLang=en) [![](https://blog.excitecu.org/hubfs/Square-2.jpg)](https://blog.excitecu.org/building-your-credit-score?hsLang=en) Having a good credit score is important if you want to borrow money. Whether you’re applying for a new credit card, car loan or any loan. It can also help you get a better interest rate on loans. The below tips can help you build your credit score. [Read More](https://blog.excitecu.org/building-your-credit-score?hsLang=en) --- ## [Membership at Excite includes Zelle®](https://blog.excitecu.org/membership-at-excite-includes-zelle?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) October 11, 2022 [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en) [![](https://blog.excitecu.org/hubfs/Email-1.jpg)](https://blog.excitecu.org/membership-at-excite-includes-zelle?hsLang=en) Zelle® is an easy way to send and receive money with friends, family, and those you know and trust. You can use Zelle® today right from your Excite mobile banking app. With Zelle®, money moves directly between bank accounts in minutes, not days,... [Read More](https://blog.excitecu.org/membership-at-excite-includes-zelle?hsLang=en) --- ## [Tips for Choosing an Auto Loan Lender in San Jose, CA](https://blog.excitecu.org/choosing-an-auto-loan-lender-san-jose?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) May 03, 2022 [Auto](https://blog.excitecu.org/topic/auto?hsLang=en) [![](https://blog.excitecu.org/hubfs/AdobeStock_323489272.jpg)](https://blog.excitecu.org/choosing-an-auto-loan-lender-san-jose?hsLang=en) Living in the beautiful and vibrant city of San Jose, CA comes with its perks. From the mysterious Winchester Mystery house to strolling down Santana Row. There’s no shortage of things to do and places to go—which means you’ll need to get around... [Read More](https://blog.excitecu.org/choosing-an-auto-loan-lender-san-jose?hsLang=en) --- ## [Tips For Choosing an Auto Loan Lender in Wilmington, NC](https://blog.excitecu.org/choosing-an-auto-loan-lender-wilmington?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) May 03, 2022 [Auto](https://blog.excitecu.org/topic/auto?hsLang=en) [![](https://blog.excitecu.org/hubfs/AdobeStock_164973122.jpg)](https://blog.excitecu.org/choosing-an-auto-loan-lender-wilmington?hsLang=en) If you are in the market for a new or used car, you may be looking for an auto loan lender in Wilmington, NC, to finance your new vehicle. There are several options to choose from, including banks, credit unions, and dealer financing. But, which... [Read More](https://blog.excitecu.org/choosing-an-auto-loan-lender-wilmington?hsLang=en) --- - - [6](https://blog.excitecu.org/author/excite-credit-union/page/6) - [7](https://blog.excitecu.org/author/excite-credit-union/page/7?hsLang=en) - [8](https://blog.excitecu.org/author/excite-credit-union/page/8?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**. 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