Student Center

Excite Credit Union has a number of special products geared specifically towards the needs of college students. We are committed to helping our community, please click on the type of loan or account you (or your college age children) are interested in.

Excite Tuition Loans

 For borrowers attending two-year college program, specialty training program, certification, or books and housing payment.

If you’re searching for ways to finance your two year college program, specialty training program, certification, or books and housing payment, we have the loan program for you.

The Excite Tuition Loan Features:

  • Competitive low rate and flexible terms to fit your budget.
  • Convenience at its best. Members can apply online, by phone or in person.
Excite is one of the few financial institutions that offer a tuition loan for 2-year college programs.

Account Type Terms Annual Percentage Rate Loan Amount
Tuition Loan 12-48 months 8.99% $1,000 - $5,000

Note: This loan program is not meant for financing 4 year accredited college courses. Borrowers needing assistance with a Private Student loan, will need to utilize our Smart Option Student Loan with Sallie Mae program and would not be eligible for financing under the Excite Tuition Loan program. Excludes refinancing of existing Excite personal loans, restrictions may apply.
You must be a current member of Excite CU to take advantage of The Sallie Mae and Excite Tuition Loans. All members are required to have a $25 membership share balance in an Excite savings account.

The Smart Option Student Loan®
for Excite Credit Union by Sallie Mae®

Whether you’re an undergraduate, graduate student, or parent, get money for school from Sallie Mae®

 Now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.

The Smart Option Student Loan features and benefits:

  • Competitive interest rates
  • Multiple repayment options
  • No origination fee and no prepayment penalty

To learn more, get started here.

Borrow responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. These loans are made by Sallie Mae Bank or a lender partner. Excite CU is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Smart Option Student Loan and graduate loan products: This information is for borrowers attending degree-granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only. You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Simply Checking

Books. School Supplies. Tuition. Our Simply Checking account is a great way to keep busy students on track – and on budget.

Get all these perks:

  •  Access to 30,000 surcharge-free ATMs worldwide.
  •  Text and Mobile Banking: Download our mobile app on your smartphone.
  •  Visa® Debit Card accepted at millions of locations worldwide
  •  Shared Branches: More than 6,800 Shared Branches nationwide.
  •  Android Pay: Add your Excite debit card and pay for purchases with your Android phone.
  •  Mobile Deposit: Snap a photo of your check and deposit it into your Excite account from your phone.

Already a member? Log in thru your Online Banking to open a Simply Checking Account.

Not yet a member? 

First Time Auto Buyer Program

If you are looking to purchase your first car, let Excite help you through the process. We’re here to help first-time borrowers understand the terms of their auto loan and ensure their monthly payments are affordable. We empower members with the information they need to succeed financially. We want to be the best choice for your first car and every car.

Our First Time Auto Buyer Program is for those who have limited, or no credit. Our program works for either new or used cars and is the smart way to start building credit

First-Time Vehicle Buyer Loan Benefits:

  • Finance up to 110% of the retail Kelley Blue Book value*
  • Terms up to 84 months*

Loan Requirements:

  • Driver’s license
  • Proof of full-coverage insurance (don’t have insurance, we’ve got you covered there too through AllianceLink)
  • 5% cash down payment of total purchase price (new vehicles rebate may be used as down) +
  • 6 months of consistent income with current employer++


*Total amount financed is based on the age of the vehicle, total mileage, and other factors.  New vehicle – 2 years or newer and less than 20,000 miles, used vehicle – 1-7 years old with over 20,000 miles. Older Used vehicle – 8-10 years old with less than 80,000 miles
+Down payment is of total purchase price and must be derived from cash (or trade-in, rebates accepted on new vehicles only. 
++Income must be from one job.  Overtime, bonus or commission income will not be counted.