Excite Credit Union Wilmington NC | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to Excite, your trusted financial partner right here in Wilmington, NC! Located at 2465 S 17Th St, we've been serving our community since 1952. With a strong commitment to our members, Excite has grown to support over 46,304 individuals with their financial needs. Our total assets now stand at an impressive $653,383,325, reflecting our dedication to fostering economic stability and growth. At Excite, we understand that banking is more than just numbers; it's about building relationships and enhancing lives. With $23,824,540 in deposits and over 22,093 loans and leases issued, we are here to help you achieve your financial goals whether it's purchasing a new vehicle, buying a home, or consolidating debt. Our team of 115 employees, led by CEO Brian Dorcy and Board President Donna Rhody, is ready to assist you with personalized service tailored to your unique needs. While you can reach us directly at the Wilmington branch for any inquiries or assistance, official correspondence can be sent to our mailing address: 2465 S. 17th Street, Wilmington, NC 28401. Feel free to call us at 800-232-8669 during our convenient hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Join us at Excite today and discover how we can help you navigate your financial journey! Visit our website at excitecu.org or stop by our branch we're excited to serve you!

Branch History & Mission

At Excite, we take pride in our rich legacy of serving the Wilmington community since 1952. Located at 2465 S 17Th St, Wilmington, NC 28401, our branch has been a steadfast financial partner for generations, providing essential services and building strong relationships with our members. Over the years, we have grown to serve over 46,000 members and manage total assets of approximately $653 million. Our journey began with a simple mission: to empower individuals and families by offering reliable financial solutions tailored to their needs. As we evolved, we remained committed to this mission while embracing new technologies and practices that enhance member experience. From personal banking services like checking accounts and auto loans to business banking options, we strive to meet the diverse needs of our community. Excite's mission goes beyond just banking; it is about fostering a sense of belonging and support within the Wilmington area. We believe that when our members thrive, so does the community as a whole. Our drive-thru service and ATM availability ensure that accessing your finances is convenient and straightforward. Additionally, our operating hours are designed to accommodate busy schedules: Monday through Thursday from 9 AM to 5 PM, and Fridays until 6 PM. We are proud to be a part of various community initiatives, partnering with local organizations to provide resources and support where it's needed most. These efforts reflect our dedication not only to financial well-being but also to community development. While members can visit us at our branch address, official correspondence should be sent to 2465 S. 17th Street, Wilmington, NC 28401 if different from our physical location. As we look towards the future, we invite you to join Excite. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused credit union that truly cares. For more information or to become a member today, please call us at 800-232-8669 or visit our website at excitecu.org. Let's grow together!

Branch Location & Accessibility

Welcome to Excite, your friendly neighborhood credit union located at 2465 S 17th St in beautiful Wilmington, NC. Nestled in the heart of New Hanover County, our branch is easily accessible and conveniently situated near local landmarks, making it a breeze for you to visit us. Whether you're popping in for a quick transaction or need assistance with your financial needs, we're here to help. While members can visit us at our main address, official correspondence should be sent to 2465 S. 17th Street, Wilmington, NC 28401. Our branch is designed with your convenience in mind. We offer ample parking and have ADA-compliant features such as ramps to ensure that everyone can access our services comfortably. At Excite, we pride ourselves on being available when you need us. Our operating hours are Monday through Thursday from 9 AM to 5 PM and Fridays from 9 AM to 6 PM, giving you plenty of time to come by after work or during your lunch break. Plus, we offer drive-thru banking for those quick transactions without having to leave your car. Need cash? No problem! Our ATM is readily available for all your withdrawal and balance checking needs. And if you're looking for a personal touch in banking services from checking and savings accounts to auto loans and mortgages we have you covered. We invite you to come see us at Excite! If you have any questions or need assistance before your visit, feel free to give us a call at 800-232-8669. We look forward to serving you soon!

Member Eligibility

At Excite, we believe in creating a welcoming community where everyone feels at home. Becoming a member is simple and open to many! If you live, work, or worship in the Wilmington area, or if you have family members who are already part of our credit union, you're likely eligible to join us. Not only will you gain access to a variety of financial services tailored to your needs, but you'll also enjoy the benefits that come from being part of a member-focused organization. Our dedicated team is here to help make your transition smooth and straightforward. For more detailed eligibility criteria, feel free to visit our website at http://www.excitecu.org/benefits-resources/benefits-of-membership/membership-benefits. Opening an account with us is just as easy! You can start the process online by visiting https://app.loanspq.com/apply.aspx?lenderref=alliancecu072715&list=ccvlcbheplblst, or simply give us a call at (800) 232-8669 if you have any questions. We can't wait for you to join the Excite family at 2465 S 17Th St, Wilmington, NC 28401!

Business Banking & Commercial Services

Merchant Services That Make Sense

Imagine effortlessly processing payments while focusing on what truly matters growing your business. Our merchant services offer solutions that streamline transactions, making it easier for your customers to pay. From card processing to mobile payments, we provide tools that keep your operations running smoothly. Located at 2465 S 17Th St Wilmington Nc 28401 in Wilmington, NC, we're here to empower local businesses with the financial support they need. Reach out today at (800) 232-8669 to learn how we can partner in your success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $7 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $249,877, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

For those times when you're on the go but still need basic services, our drive-thru banking offers quick access for deposits and withdrawals without leaving your vehicle. We also provide essential ATM access for simple transactions. At Excite, we're committed to making banking accessible and straightforward for everyone in the community. If you have any questions or want to learn more about what we offer, feel free to reach out at (800) 232-8669 or visit us online at Glen Meade. We're excited to serve you!

Business Banking

For local entrepreneurs, we know how important it is to have reliable support. That's why we offer robust business banking services, including merchant services and business loans. Whether you're just starting out or expanding an existing venture, we're here to help navigate the financial landscape.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our comprehensive online and mobile banking platforms let you manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, banking with us is not only easy but also fits seamlessly into your busy life. Don't forget about our ATM services for quick cash withdrawals and balance checks whenever needed.

Loans and Financing Options

If you're dreaming of a new car or need assistance with home financing, look no further. At Excite, we offer auto loans and vehicle financing that can help make those dreams a reality. We also provide mortgage loans and refinancing options, ensuring that whether you're buying your first home or looking to lower your current mortgage rate, you have choices that fit your lifestyle. For those unexpected expenses or projects around the house, our personal loans and debt consolidation options give you flexibility when it matters most. Plus, our credit cards with rewards allow you to earn points on everyday purchases turning spending into savings.

Personal Banking

When it comes to personal banking, we have you covered. Our checking and savings accounts are designed with your everyday banking needs in mind, allowing you to manage your finances easily. Imagine having the ability to set up automatic transfers to your savings account, helping you reach your goals without even thinking about it!

Digital & Online Banking

Enhanced Features

For those who want to send money easily, our person-to-person transfers feature lets you send cash directly to friends or family in seconds. This service is perfect for splitting bills or sending gifts without any stress. And don't worry about downtime; with our 24/7 online banking services, you have round-the-clock access to your financial information. Whether it's checking your balance late at night or transferring funds during lunch break, we've got you covered. At Excite, we prioritize both accessibility and security so that you can bank confidently. Explore all these features and more today!

Key Services

With our online banking platform, you can check your account balances, pay bills, and transfer funds with just a few clicks. Plus, enjoy the ease of E-Statements for quick access to your financial statements without the clutter of paper. We also provide Electronic Signature Authorization, making it simple and secure to sign documents digitally. If you're someone who prefers mobile banking, you'll love our mobile application that allows you to manage your accounts straight from your smartphone. You can even make mobile payments, ensuring that paying for groceries or dining out is quick and hassle-free.

Financial Strength

Commitment to Service

Our operations reflect efficiency as shown by our $0. This allows us to keep offering competitive loan rates and solid financial products for our members. We also take pride in having 114 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

We proudly manage a total of 84,030 share accounts, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Excite is your trusted partner. Visit us at 2465 S 17Th St Wilmington Nc 28401 or call (800) 232-8669 to learn more about how we can help you achieve your financial goals.

Reinvesting for You

With $41,906,948 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust, supporting your financial goals with $7,289 in used auto loans and $481,306,411 in total loans and leases.

Secure Savings Options

Members' savings are secured through $104,410,253 in share certificates and $57,416,889 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $44,635,503, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $681 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $134,769,431 in used vehicle loans and $60,642,573 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you find the perfect fit for your budget.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $249,877 provide the capital needed to grow and expand your operations. We understand the unique challenges faced by businesses today, and we're here to support you every step of the way. At Excite, we prioritize transparency and service excellence. We encourage you to explore our eligibility options and refinancing opportunities that could benefit you. For more information on how our loan offerings can help you achieve your financial aspirations, please contact us at (800) 232-8669 or visit us at 2465 S 17Th St Wilmington Nc 28401, Wilmington, NC. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Experience personalized service with our dedicated team at Excite, where we're committed to making your financial journey smoother.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $47,692,367, make buying or refinancing simple. We offer various terms and conditions that cater to first-time buyers as well as seasoned homeowners looking to refinance their existing mortgages.

Personal and Credit Card Loans

For those looking for flexibility, we also offer unsecured credit card loans with a total of $22,854,274 helping members manage their finances effectively. These cards come with competitive interest rates and no annual fees, making them an excellent choice for everyday purchases or unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials reflect the effectiveness and reliability of the platform. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers, allowing users to make decisions with confidence.

Excite