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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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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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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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Budgeting 101: How to Take Control of Your Finances Without Feeling Overwhelmed

By Excite Credit Union
January 29, 2025
Budgeting, Savings, Talking About Money, Retirement, Building Credit
Ready to improve your financial situation? Start with your monthly budget—a powerful tool that reflects your values, adapts to your circumstances, and helps you achieve your dreams. Creating a budget is simpler than you might think. You can use ...
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Getting Your Kids Excited About Money Management

By Excite Credit Union
May 24, 2024
Budgeting, Savings, Talking About Money, Parenting, Building Credit
Let’s talk about money! It’s never too early to talk about finances with your children. When you take your toddlers to the store, they watch you buy groceries (and probably ask for their favorite candy at checkout). Kids are very observant and...
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Understanding How Much Car You Can Afford and the Impact of a Good Credit Score

By Excite Credit Union
January 23, 2024
Talking About Money, Auto, Building Credit
Let’s dive into two crucial aspects of car buying: understanding how much car you can afford and recognizing the impact of a good credit score. Welcome to the comprehensive guide on navigating the exciting journey of purchasing your dream car while...
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Navigating Back to School: 5 Simple Money Tips for College Students

By Excite Credit Union
August 25, 2023
Budgeting, Talking About Money, Building Credit
As summer winds down and the school bells start ringing, a new academic adventure awaits. Whether you're stepping onto campus for the first time or gearing up for another semester, one thing is certain financial preparation is crucial. At Excite...
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Boost Your Financial Literacy: 5 Simple Ways with Excite Credit Union

By Excite Credit Union
March 31, 2023
Budgeting, Talking About Money, Building Credit
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,...
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How to Improve Your Credit Knowledge

By Excite Credit Union
March 08, 2023
Savings, Talking About Money, Building Credit
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...
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