Business Details
Your Trusted Financial Partner in San Jose
At Excite Credit Union, we are committed to empowering our members with financial solutions designed to build stronger futures. As a member-owned institution, we prioritize your needs by offering competitive rates on auto loans, home equity products, and savings accounts. Our digital banking tools provide convenience, while our community-focused approach ensures personalized service. With branches in California and North Carolina, we combine local expertise with nationwide accessibility. Our team is dedicated to delivering exceptional customer service, as evidenced by member testimonials praising our efficiency and professionalism. We offer unique benefits like a 5.00% APY new membership bonus and closing cost credits for home loans.Through innovative products and a commitment to transparency, we strive to be the trusted financial partner for individuals and businesses alike. Our experienced staff brings decades of industry knowledge to every interaction, ensuring you receive expert guidance tailored to your financial goals. By maintaining rigorous standards of ethical practice and operational excellence, we uphold our mission to strengthen communities through accessible, member-centric banking.
Services
Auto Loans
Credit Cards
Home Loans
Savings Accounts
Digital Banking
Certificate Accounts
Estate Planning
Zelle Transfers
Member Benefits
Financial Services
Highlights and features
- We are a member-owned credit union focused on your financial success
- We offer competitive rates including up to 5.00% APY on savings accounts
- Our digital banking platform provides 24/7 account access and management tools
- We provide personalized service with local branch expertise nationwide
- Our team has decades of combined experience in financial services
What people say
Efficient service
Professional staff
Good customer service
Competitive rates
Exceptional experiences
Services
Auto Loans
We offer auto loan refinancing with reduced interest rates and flexible payment options. Our members can lower current loan rates by 1% while qualifying for deferred payments. With competitive terms and personalized assistance, we help make vehicle ownership more affordable while maintaining financial flexibility for our members.
Home Equity Loans
Our home equity solutions allow property owners to utilize their home's value for various financial needs. Members can access funds for home improvements, debt consolidation, or personal expenses. With tailored loan terms and expert guidance, we help homeowners make strategic financial decisions while maintaining their property investment.
Savings Accounts
We provide high-yield savings options including the 5.00% APY new member bonus account. Our savings products help members grow their money with competitive interest rates and no hidden fees. With both standard and specialized accounts, we offer accessible solutions for short-term goals and emergency funds.
Digital Banking
Our comprehensive digital banking platform enables 24/7 account management through mobile and web applications. Features include bill payment, fund transfers, and real-time transaction tracking. With secure access and user-friendly interfaces, we provide modern banking solutions that adapt to our members' evolving financial needs.
Certificate Accounts
We offer share certificates with guaranteed returns and terms ranging from short to long-term investments. Our certificate products provide secure growth opportunities with rates up to 4.25% APY. With flexible options for both individual and business accounts, we help members achieve specific savings goals through disciplined investment strategies.
Questions
How do I become a member of Excite Credit Union?
Membership requires opening an account with a minimum $5 deposit. We accept members from California and North Carolina with no additional eligibility requirements beyond account establishment.
What loan products do you offer?
We provide auto loans, home equity loans, mortgage options, and personal loans with competitive rates. Our lending specialists help members choose appropriate financing solutions for their specific needs.
Are there fees for your banking services?
We maintain transparent fee structures with no hidden charges. Specific fees vary by account type and service, with detailed disclosures provided during account opening and available online.
How does your digital banking work?
Our mobile app and online portal offer 24/7 access to account management, bill payment, fund transfers, and transaction history. Security features include biometric authentication and real-time fraud monitoring for all digital transactions.
What special offers are currently available?
We offer a 5.00% APY bonus on new savings accounts up to $2,500 and $750 closing cost credits for home loans. Current promotions are detailed on our website with full terms and conditions.