Excite Credit Union, located at 2465 S 17th St, Wilmington, NC, operates as a member-owned financial cooperative focused on delivering broad-based financial services to its participants. Historically established to serve local residents and community groups, the organization has evolved to support a range of member needs through a credit union model that emphasizes democratic governance, shared ownership, and member participation in decision‑making. Its structure typically reflects standard credit union provisions, with a board of directors elected by the membership to oversee strategic direction and fiduciary responsibilities.
In terms of primary functions, Excite Credit Union likely provides deposit accounts, loan products, and basic financial services designed to facilitate everyday banking, savings, and borrowing needs for its members. The operational scope generally emphasizes nonprofit stewardship of funds, community engagement, and adherence to regulatory frameworks that govern credit unions, including safety and soundness standards. By centering member interests, the organization aims to offer accessible financial services while maintaining a cooperative, community-oriented ethos.
Better than 28% of providers in Wilmington
In addition to the primary service, Excite Credit Union also offers:
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Excite Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Excite Credit Union is listed as a financial service provider in Wilmington, NC and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Excite Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Excite Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Excite Credit Union with other providers in Wilmington and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Excite Credit Union has a rating of 3.1, which is better than 28% of providers in Wilmington.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Excite Credit Union requests. It is always best to call ahead using the phone number on this page so Excite Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Excite Credit Union also offers: Credit union, ATM, Financial institution.