--- title: Excite Credit Union Blog | Security description: Security | 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) ## [How to Choose the Right Credit Card for Your Spending Habits and Goals](https://blog.excitecu.org/how-to-choose-the-right-credit-card-for-your-spending-habits-and-goals?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) June 16, 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), [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_June2026_Blog_Square.jpg)](https://blog.excitecu.org/how-to-choose-the-right-credit-card-for-your-spending-habits-and-goals?hsLang=en) 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... [Read More](https://blog.excitecu.org/how-to-choose-the-right-credit-card-for-your-spending-habits-and-goals?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) --- ## [Financial Scam Awareness for Seniors: Nine Warning Signs to Watch For](https://blog.excitecu.org/financial-scam-awareness-for-seniors-nine-warning-signs-to-watch-for?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) October 15, 2025 [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_October2025_Blog_Square_Final.jpg)](https://blog.excitecu.org/financial-scam-awareness-for-seniors-nine-warning-signs-to-watch-for?hsLang=en) Financial scam awareness for seniors is your first step to staying safe from clever and deceptive schemes. Scammers are always finding new ways to trick people, and older adults are often their favorite targets. By staying alert and knowing what to... [Read More](https://blog.excitecu.org/financial-scam-awareness-for-seniors-nine-warning-signs-to-watch-for?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) --- ## [Holiday Hoaxes: Protect Yourself from These Four Online Scams](https://blog.excitecu.org/protect-yourself-from-these-four-online-scams?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) December 10, 2024 [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_December_Blog_Square_Final.jpg)](https://blog.excitecu.org/protect-yourself-from-these-four-online-scams?hsLang=en) It’s the most wonderful time of the year—a season of goodwill, generosity, and joy. Unfortunately, it’s also a prime time for online scammers to try and exploit good holiday feelings for their personal gain. Here are four online scams to watch out... [Read More](https://blog.excitecu.org/protect-yourself-from-these-four-online-scams?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) - [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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