--- title: Excite Credit Union Blog | Talking About Money (5) description: Talking About Money | Helpful financial tips and community news from your local credit union – grow your knowledge and your savings. (5) --- 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) - #### Save & Spend - [Checking](https://www.excitecu.org/Personal/Save-Spend/Checking) - [Savings](https://www.excitecu.org/Personal/Save-Spend/Savings) - [Certificates](https://www.excitecu.org/Personal/Save-Spend/Certificates) - [IRAs](https://www.excitecu.org/Personal/Save-Spend/IRAs) - [Digital Services](https://www.excitecu.org/Personal/Save-Spend/Digital-Services-New) - #### Borrow - [Home Loans](https://www.excitecu.org/Personal/Borrow/Home-Loans) - [Vehicle Loans](https://www.excitecu.org/Personal/Borrow/Vehicle-Loans) - [Personal Loans](https://www.excitecu.org/Personal/Borrow/Personal-Loans) - [Credit Cards](https://www.excitecu.org/Personal/Borrow/Credit-Cards) - [Solar Loans](https://www.excitecu.org/Personal/Borrow/Solar-Loans) - [Student Loans](https://www.excitecu.org/Personal/Borrow/Student-Loans) ### [Business](https://www.excitecu.org/Business) - #### Solutions - [Business Checking](https://www.excitecu.org/Business/Solutions/Business-Checking) - [Business Savings](https://www.excitecu.org/Business/Solutions/Business-Savings) - [Business Services](https://www.excitecu.org/Business/Solutions/Business-Services) - [Business Lending](https://www.excitecu.org/Business/Solutions/Business-Lending) ### [Plan](https://www.excitecu.org/Plan) - #### 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://blog.excitecu.org/Learn?hsLang=en) - #### Education - [Blog](https://blog.excitecu.org/) - [Financial Education](https://www.excitecu.org/Learn/Education/Financial-Education) - [SavvyMoney®](https://www.excitecu.org/Learn/Education/Credit-Score) - [FAQs](https://www.excitecu.org/Learn/Education/FAQs) - [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) - [Security](https://www.excitecu.org/Learn/About-Us/Security) ### [Give](https://www.excitecu.org/Give) - #### Community - [Community Events](https://www.excitecu.org/Give/Community/Events) - [Excite Foundation](https://www.excitecu.org/Give/Community/Excite-Foundation) - [Excite Cares](https://www.excitecu.org/Give/Community/ExciteCares) [Rates](https://www.excitecu.org/Learn/About-Us/Rates) [Locations/Hours](https://www.excitecu.org/Learn/About-Us/Locations) [Contact](https://www.excitecu.org/Learn/About-Us/Contact-Us) Search term(s) Submit - [Personal](https://www.excitecu.org/Personal) - Save & Spend - [Checking](https://www.excitecu.org/Personal/Save-Spend/Checking) - [Savings](https://www.excitecu.org/Personal/Save-Spend/Savings) - [Certificates](https://www.excitecu.org/Personal/Save-Spend/Certificates) - [IRAs](https://www.excitecu.org/Personal/Save-Spend/IRAs) - Borrow - [Home Loans](https://www.excitecu.org/Personal/Borrow/Home-Loans) - [Vehicle Loans](https://www.excitecu.org/Personal/Borrow/Vehicle-Loans) - [Personal Loans](https://www.excitecu.org/Personal/Borrow/Personal-Loans) - [Credit Cards](https://www.excitecu.org/Personal/Borrow/Credit-Cards) - [Student Loans](https://www.excitecu.org/Personal/Borrow/Student-Loans) - [Business](https://www.excitecu.org/Business) - Solutions - [Business Checking](https://www.excitecu.org/Business/Solutions/Business-Checking) - [Business Savings](https://www.excitecu.org/Business/Solutions/Business-Savings) - [Business Services](https://www.excitecu.org/Business/Solutions/Business-Services) - [Plan](https://www.excitecu.org/Plan) - 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) ## [Tax Time Made Easy](https://blog.excitecu.org/tax_time_made_easy?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) April 21, 2023 [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/Tax%20Time%20square.jpg)](https://blog.excitecu.org/tax_time_made_easy?hsLang=en) Tax season is upon us once again, and for many people, it can be a stressful and overwhelming time. However, with a bit of preparation and guidance, filing your taxes can be a much smoother process. Here are some tips to help you navigate tax time... [Read More](https://blog.excitecu.org/tax_time_made_easy?hsLang=en) --- ## [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) --- ## [Credit Card Payoff Plan \[With Payoff Calculator\]](https://blog.excitecu.org/credit-card-payoff-plan-with-calculator?hsLang=en) [By Excite Credit Union](https://blog.excitecu.org/author/excite-credit-union?hsLang=en) January 26, 2022 [Budgeting](https://blog.excitecu.org/topic/budgeting?hsLang=en), [Talking About Money](https://blog.excitecu.org/topic/talking-about-money?hsLang=en) [![](https://blog.excitecu.org/hubfs/AdobeStock_272630945.jpg)](https://blog.excitecu.org/credit-card-payoff-plan-with-calculator?hsLang=en) It can be easy to push aside credit card debt and pretend it doesn’t exist, but facing it head-on is the only way to truly tackle it. If you’ve racked up a lot of debt, paying it off is going to take time and patience. Having a credit card payoff... [Read More](https://blog.excitecu.org/credit-card-payoff-plan-with-calculator?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**. All rights reserved. [Contact Us](https://www.excitecu.org/Learn/About-Us/Contact-Us) | [Website Accessibility](https://www.excitecu.org/Website-Accessibility)