--- title: Excite Credit Union Blog | Savings (2) description: Savings | 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) - 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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) ## [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) --- ## [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) --- ## [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) --- ## [Thrift Shopping + Digital Technology = More Savings](https://blog.excitecu.org/thrift-shopping-digital-technology-more-savings?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) September 04, 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) [![](https://blog.excitecu.org/hubfs/August_Blog_Square_Final.jpg)](https://blog.excitecu.org/thrift-shopping-digital-technology-more-savings?hsLang=en) During the past few decades, thrift shopping has undergone a transformation. Now—thanks to the internet and social media—it’s more convenient than ever to buy high-quality second-hand items for a fraction of what they are worth. It’s also simpler... [Read More](https://blog.excitecu.org/thrift-shopping-digital-technology-more-savings?hsLang=en) --- ## [As You Plan Your Summer Trip, Remember Travel Insurance](https://blog.excitecu.org/remember-travel-insurance?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) July 17, 2024 [Savings](https://blog.excitecu.org/topic/savings?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en), [Insurance](https://blog.excitecu.org/topic/insurance?hsLang=en) [![](https://blog.excitecu.org/hubfs/JULY_Blog_Square_Final.jpg)](https://blog.excitecu.org/remember-travel-insurance?hsLang=en) Did you know that you can get travel insurance for just about any kind of trip? If your vacation will include hang gliding or heli-skiing, you can purchase adventure travel insurance. If you plan to venture into a politically unstable area, you can... [Read More](https://blog.excitecu.org/remember-travel-insurance?hsLang=en) --- ## [Getting Your Kids Excited About Money Management](https://blog.excitecu.org/getting-your-kids-excited-about-money?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) May 24, 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), [Parenting](https://blog.excitecu.org/topic/parenting?hsLang=en), [Building Credit](https://blog.excitecu.org/topic/building-credit?hsLang=en) [![](https://blog.excitecu.org/hubfs/MAY_Square_Final.jpg)](https://blog.excitecu.org/getting-your-kids-excited-about-money?hsLang=en) 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... [Read More](https://blog.excitecu.org/getting-your-kids-excited-about-money?hsLang=en) --- - - ### Posts by Topic - [Talking About Money (50)](https://blog.excitecu.org/tag/talking-about-money?hsLang=en) - [Savings (27)](https://blog.excitecu.org/tag/savings?hsLang=en) - [Budgeting (22)](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) - [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) - [Emergency (4)](https://blog.excitecu.org/tag/emergency?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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