--- title: Excite Credit Union Blog | Retirement description: Retirement | Helpful financial tips and community news from your local credit union – grow your knowledge and your savings. --- 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) ## [Will vs. Trust: What's the Difference?](https://blog.excitecu.org/will-vs.-trust-whats-the-difference?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) August 10, 2026 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Retirement](https://blog.excitecu.org/topic/retirement?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_Aug2026_Blog_Square.jpg)](https://blog.excitecu.org/will-vs.-trust-whats-the-difference?hsLang=en) 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... [Read More](https://blog.excitecu.org/will-vs.-trust-whats-the-difference?hsLang=en) --- ## [How to Protect Your Tax Refund and Put It to Work](https://blog.excitecu.org/how-to-protect-your-tax-refund-and-put-it-to-work?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) March 04, 2026 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Emergency](https://blog.excitecu.org/topic/emergency?hsLang=en), [Retirement](https://blog.excitecu.org/topic/retirement?hsLang=en), [Taxes](https://blog.excitecu.org/topic/taxes?hsLang=en), [Security](https://blog.excitecu.org/topic/security?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_Mar2026_Blog_Square.jpg)](https://blog.excitecu.org/how-to-protect-your-tax-refund-and-put-it-to-work?hsLang=en) 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... [Read More](https://blog.excitecu.org/how-to-protect-your-tax-refund-and-put-it-to-work?hsLang=en) --- ## [Smart Money Moves: Simple Financial Planning Strategies](https://blog.excitecu.org/smart-money-moves-simple-financial-planning-strategies?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) February 03, 2026 [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), [Emergency](https://blog.excitecu.org/topic/emergency?hsLang=en), [Retirement](https://blog.excitecu.org/topic/retirement?hsLang=en), [Building Credit](https://blog.excitecu.org/topic/building-credit?hsLang=en), [Security](https://blog.excitecu.org/topic/security?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_Feb2026_Blog_Square_Final.jpg)](https://blog.excitecu.org/smart-money-moves-simple-financial-planning-strategies?hsLang=en) 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... [Read More](https://blog.excitecu.org/smart-money-moves-simple-financial-planning-strategies?hsLang=en) --- ## [Budgeting 101: How to Take Control of Your Finances Without Feeling Overwhelmed](https://blog.excitecu.org/budgeting-101-how-to-take-control-of-your-finances?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) January 29, 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), [Retirement](https://blog.excitecu.org/topic/retirement?hsLang=en), [Building Credit](https://blog.excitecu.org/topic/building-credit?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_Jan2025_Blog_Square_final.jpg)](https://blog.excitecu.org/budgeting-101-how-to-take-control-of-your-finances?hsLang=en) 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 ... [Read More](https://blog.excitecu.org/budgeting-101-how-to-take-control-of-your-finances?hsLang=en) --- ## [How Much Money Will You Need for Retirement?](https://blog.excitecu.org/how-much-money-will-you-need-for-retirement?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) November 15, 2024 [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), [Retirement](https://blog.excitecu.org/topic/retirement?hsLang=en) [![](https://blog.excitecu.org/hubfs/EXCITE_Sept_Blog_Square_Final.jpg)](https://blog.excitecu.org/how-much-money-will-you-need-for-retirement?hsLang=en) How much money do you need to retire? Ask any financial expert: there is no one-size-fits-all response. It depends on your answers to a number of questions, including the following:At what age do you plan to retire? Although there are... [Read More](https://blog.excitecu.org/how-much-money-will-you-need-for-retirement?hsLang=en) --- ## [Prepare For Your Golden Years with Confidence](https://blog.excitecu.org/prepare-for-your-golden-years-with-confidence?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) September 28, 2023 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Retirement](https://blog.excitecu.org/topic/retirement?hsLang=en) [![](https://blog.excitecu.org/hubfs/Retirement%20square.jpg)](https://blog.excitecu.org/prepare-for-your-golden-years-with-confidence?hsLang=en) Retirement marks a significant milestone in our lives, representing a time to savor the fruits of our labor and pursue passions we may have set aside. To ensure you're financially prepared for this exciting chapter, Excite Credit Union offers a... [Read More](https://blog.excitecu.org/prepare-for-your-golden-years-with-confidence?hsLang=en) --- - - [1](https://blog.excitecu.org/tag/retirement/page/1?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) - [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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