Excite Credit Union Wilmington NC | Affordable Auto Loans & ATM Services

Introduction

Welcome to Excite, your trusted financial partner located at 237 Racine Dr, Wilmington, NC 28403. Since our establishment in 1952, we have been committed to serving our community and providing a wide range of financial services tailored to meet your needs. With a total membership of over 46,000 and assets amounting to $653,383,325, we pride ourselves on being a stable and reliable institution for all your banking requirements. At Excite, we understand the importance of building strong relationships with our members. Our dedicated team, led by CEO Brian Dorcy and Board President Donna Rhody, works tirelessly to ensure you receive personalized service and support. Whether you're seeking auto loans, mortgage options, or personal banking services, we are here to guide you every step of the way. While members can visit us at our Wilmington branch for face-to-face assistance, official correspondence should be directed to our mailing address at 237 Racine Drive, Wilmington, NC 28403. You can reach us anytime at 800-232-8669 or explore our website at excitecu.org for more information about our offerings. With total deposits of $23,824,540 and cash in hand amounting to $6,122,915, we are well-equipped to meet your financial needs promptly. Our diverse array of services includes checking and savings accounts, credit cards with rewards, business banking solutions, and much more all designed with your best interests in mind. Join us today and experience the difference that comes from being part of a community-focused credit union. Your financial journey starts here at Excite!

Branch History & Mission

At Excite, our journey began in 1952, when we opened our doors to the vibrant community of Wilmington, NC. Since then, we have proudly grown into a trusted financial institution, serving over 46,000 members and managing assets totaling more than $653 million. Our branch is located at 237 Racine Dr, a central spot that is easily accessible for all our members. Over the years, Excite has evolved to meet the changing needs of our community. From humble beginnings as a small credit union, we have expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. We are dedicated to providing personalized financial services that empower our members to achieve their goals. Our mission at Excite is clear: we aim to improve the financial well-being of our members and support the communities we serve. We believe in building lasting relationships through transparency and trust. We strive to make financial services accessible to everyone while actively contributing to local outreach efforts that uplift those around us. While members can visit us at 237 Racine Dr Wilmington Nc 28403, official correspondence should be sent to 237 Racine Drive, Wilmington, NC 28403. Our branch operates with convenient hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. We also offer ATM availability and drive-thru banking for added convenience. At Excite, we are committed to leveraging technology for better service delivery. With online and mobile banking options available, members can manage their finances on-the-go with ease. Our digital platforms ensure that every member has access to their accounts anytime and anywhere. We take pride in being a part of Wilmington's fabric and are always looking for ways to give back through partnerships and community initiatives. Whether it's sponsoring local events or supporting charitable causes, we understand that our success is intertwined with the prosperity of our community. Join us at Excite! Experience firsthand the benefits of membership where your financial needs are prioritized and your voice matters. Together, let's continue building a strong future for Wilmington and beyond! For more information or to become a member today, call us at (800) 232-8669 or visit our website at Excite.

Branch Location & Accessibility

Easy Access and Parking

When you visit us, you'll find ample parking available right outside the door. Our branch is fully accessible, featuring ADA-compliant entrances and ramps to ensure everyone can easily reach us. Whether you prefer to come in for a chat or need quick services through our drive-thru banking option, we're here to help.

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why our operating hours are designed to accommodate your needs. You can visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. If you have any questions or need assistance outside these hours, don't hesitate to give us a call at 800-232-8669.

Services Tailored for You

At Excite, we offer a range of services to fit your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Additionally, our ATM is available for those quick cash withdrawals or balance checks whenever you need them. While members can visit us at our physical location on Racine Drive, please note that official correspondence should be sent to the same address: 237 Racine Drive, Wilmington, NC 28403. We invite you to stop by and experience the friendly service at Excite. Whether you're looking for financial advice or want to learn more about membership benefits, our dedicated team is ready to assist you. Come see us soon!

Member Eligibility

At Excite, we believe in creating a welcoming community where every member feels valued and supported. Becoming a part of our family is easy! If you live, work, worship, or attend school in the Wilmington area, you're likely eligible to join us. We also extend membership to your immediate family members, making it simple for everyone to benefit from our services. To get started, you can check out the full eligibility details at http://www.excitecu.org/benefits-resources/benefits-of-membership/membership-benefits for the latest information. Once you're ready to open an account, just visit us at our branch located at 237 Racine Dr Wilmington Nc 28403 or give us a call at (800) 232-8669. We can't wait to help you take your first step towards joining our credit union community!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine a bustling café that wants to offer its customers the convenience of cashless payments. Our merchant services provide just that! From payment processing solutions to point-of-sale systems, we help businesses streamline their operations so they can focus on what they do best serving their customers. Located at 237 Racine Dr Wilmington Nc 28403 in Wilmington, NC, we invite you to explore how our tailored solutions can help your business thrive. Reach out today at (800) 232-8669 or visit us online at https://excitecu.org/ for more information!

Comprehensive List Of Services

Business Banking Services

For small business owners, we know that managing finances can be challenging. Our business banking services include merchant services and business loans designed to help you grow your enterprise. Whether it's securing funding for expansion or managing cash flow, Excite is here to support your journey.

Convenient Access Points

We believe in making banking as convenient as possible. With ATM availability at our branch and drive-thru services for quick deposits and withdrawals, accessing your money is straightforward. You can also take advantage of basic ATM access to check balances and make cash withdrawals whenever necessary.

Credit Options Tailored for You

At Excite, we also recognize the importance of credit in today's world. That's why we offer credit cards with rewards that give back for everyday purchases. Plus, if you find yourself needing extra funds for unexpected expenses or consolidating debt, our personal loans can provide the financial relief you need without overwhelming interest rates.

Get Started Today!

We invite you to explore all the services Excite has to offer. Our friendly staff is ready to assist you whether you're stopping by our branch or reaching out via phone at (800) 232-8669. Visit us today at 237 Racine Dr Wilmington Nc 28403 in Wilmington, NC, or check out our website at Racine for more information about membership benefits and how we can assist you on your financial journey!

Personal Banking Solutions

When it comes to personal banking, Excite offers checking and savings accounts designed for every lifestyle. Imagine having easy access to your funds with our user-friendly online and mobile banking platforms, allowing you to manage your finances from anywhere at any time. You can check balances, transfer money, and pay bills with just a few taps on your phone. If you're considering purchasing a new car, our auto loans and vehicle financing options make it simple. We provide competitive rates and flexible terms that fit your budget. For those looking to buy a home or refinance an existing mortgage, our mortgage loans come with personalized assistance to ensure you find the best solution for your situation.

Digital & Online Banking

Accessibility and Security

Your safety is our priority. All of our digital services are backed by robust security measures to ensure that your personal information remains protected. You can bank with confidence knowing that we take every precaution to safeguard your data. At Excite, we believe that banking should be accessible and straightforward for everyone. Our online and mobile banking services are designed with you in mind, ensuring that managing your money is not only convenient but also secure. Whether you're at home or on the go, we're here to support all your banking needs!

Key Features of Our Digital Banking Services

With just a few clicks on our website, https://excitecu.org/, you can take advantage of our user-friendly online banking platform. From checking your account balance to transferring funds, everything is right at your fingertips. Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple. We also offer electronic signature authorization, allowing you to complete transactions securely without the hassle of paperwork. Plus, with e-statements available, you can manage your finances more efficiently while keeping an eye on your spending all while reducing paper clutter. If you're someone who prefers mobile banking, our mobile application is perfect for you! It supports mobile payments, making it easy to pay bills or make purchases directly from your phone. With real-time account management, staying on top of your finances has never been easier.

Financial Strength

Growing Member Base

Our total share accounts stand at 84,030, showing a strong and growing member base that trusts us with their finances. This growth further enhances our ability to provide exceptional service tailored to your needs. 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 237 Racine Dr Wilmington Nc 28403 or call (800) 232-8669 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

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.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, enabling us to continue 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.

Reinvestment for Growth

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 robust lending capacity is evident with $7,289 in used auto loans and $481,306,411 in total loans and leases, supporting your financial goals across various sectors.

Solid Financial Foundation

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. We have already issued over $134,769,431 in used vehicle loans and $60,642,573 in new vehicle loans to help our members get on the road. Our flexible terms make it easy for you to find the right financing option that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $249,877 provide the capital needed to grow and expand. We recognize that small businesses are vital to our community's economy, and we are here to support your growth with accessible financing options. If you're interested in exploring refinancing options or checking your eligibility for any of these products, feel free to reach out. Our dedicated team at Excite is ready to assist you every step of the way. Located at 237 Racine Dr Wilmington Nc 28403, Wilmington NC 28403, you can give us a call at (800) 232-8669 for more information about our services. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you achieve your financial aspirations today!

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 aim to provide solutions that can help you realize your dream of owning a home with ease.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $22,854,274 in loans helping members manage their finances effectively. Whether you need to cover unexpected expenses or want to consolidate debt, our credit card options come with competitive rates and benefits.

Loan Aggregator

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Excite