Excite Credit Union

Overview / Commentary
151 Bernal Rd
San Jose, CA 95119

Excite Credit Union is headquartered in San Jose and is the 79th largest credit union in the state of California. It is also the 572nd largest credit union in the nation. It was established in 1952 and as of June of 2023, it had grown to 119 employees and 45,515 members at 6 locations. Excite Credit Union's savings rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Excite Credit Union is open to anyone who lives, works, worships, or goes to school in Alameda, Monterey, San Francisco, Santa Clara, Santa Cruz, or San Mateo counties in California or Brunswick, Pender, or New Hanover counties in North Carolina. Membership also extends to family members, and employees of any one of the more than 400 SEGs.
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Health Grade Components

NCUA #68441
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD5.5%
Annual Interest Income$14.1MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$716.8MM$708.2MM
LoansQ2 2023vs Q2 2022$532.8MM$509.8MM
DepositsQ2 2023vs Q2 2022$583.0MM$609.4MM
Equity CapitalQ2 2023vs Q2 2022$42.6MM$44.6MM
Loan Loss AllowanceQ2 2023vs Q2 2022$2.6MM$2.3MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.9MM$1.8MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Excite Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Excite Credit Union Savings Account Rates

2.50%*$100*$2.5kGO Savings - New Members Bonus
OTHER TIERS: 0.05% $2.5k+
0.50%*-$2.5kYouth Savings
OTHER TIERS: 0.10% $25k+
0.20%$100-IRA Share
0.05%$100-Regular Share
0.05%$100-Holiday Club
0.05%$100-Vacation Club
0.05%$100-GO Savings
0.05%$100-Extra Savings

Excite Credit Union Money Market Rates

0.30%*$200k*-High Yield Money Market
OTHER TIERS: 0.10% Up to $50k | 0.20% $50k - $100k | 0.25% $100k - $200k

Excite Credit Union Checking Account Rates

4.00%*-$250kVoltage Save & Spend
OTHER TIERS: 2.00% $250k+
2.00%*-$20kGo Checking
OTHER TIERS: 0.10% $20k+

Excite Credit Union CD Rates

4.50%$500-6 Month Promo Share Certificate
4.50%$500-Business 6 Month Promo Share Certificate
4.25%$2.5k-24 Month Bump Up CD Special
4.25%$500-12 Month Promo Share Certificate
4.25%$500-Business 12 Month Promo Share Certificate
4.25%$2.5k-Business 24 Month Bump Up CD Special
2.25%$500-6 Month Share Certificate
2.25%$500-12 Month Share Certificate
2.25%$500-24 Month Share Certificate
2.25%$500-36 Month Share Certificate
2.25%$500-48 Month Share Certificate
2.25%$500-60 Month Share Certificate
2.25%$250-6 Month Youth Share Certificate
2.25%$250-12 Month Youth Share Certificate
2.25%$250-24 Month Youth Share Certificate
2.25%$250-36 Month Youth Share Certificate
2.25%$250-48 Month Youth Share Certificate
2.25%$250-60 Month Youth Share Certificate
2.25%$500-Business 6 Month Share Certificate
2.25%$500-Business 12 Month Share Certificate
2.25%$500-Business 24 Month Share Certificate
2.25%$500-Business 36 Month Share Certificate
2.25%$500-Business 48 Month Share Certificate
2.25%$500-Business 60 Month Share Certificate

Excite Credit Union IRA Rates

4.50%$500-6 Month Promo IRA
4.25%$500-12 Month Promo IRA
4.25%$2.5k-24 Month Bump Rate IRA Special
2.25%$500-6 Month IRA
2.25%$500-12 Month IRA
2.25%$500-24 Month IRA
2.25%$500-36 Month IRA
2.25%$500-48 Month IRA
2.25%$500-60 Month IRA

Excite Credit Union Locations
Branch Office848A Blossom Hill RdSan Jose, CA 95123
Branch Office265 Curtner AveSan Jose, CA 95125
Corporate Office151 Bernal RdSan Jose, CA 95119-1306
Branch Office237 Racine DrWilmington, NC 28403
Branch Office2465 S 17th StWilmington, NC 28401
Branch Office1695 Alum Rock Ave Ste 50San Jose, CA 95116-2471

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