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Excite Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.excitecu.org
800-232-8669
151 Bernal Rd
San Jose, CA 95119

Excite Credit Union is headquartered in San Jose and is the 86th largest credit union in the state of California. It is also the 662nd largest credit union in the nation. It was established in 1952 and as of March of 2025, it had grown to 105 employees and 46,129 members at 6 locations. Excite Credit Union's savings rates are 10X 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.
See current membership details

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Health
B

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68441
Year Chartered1952
Employees105
Primary Regulator
Profit Margin
Return on Assets - YTD0.2%
Return on Equity - YTD3.96%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$618.8MM$687.6MM
LoansQ1 2025vs Q1 2024$460.4MM$510.6MM
DepositsQ1 2025vs Q1 2024$566MM$580.1MM
Equity CapitalQ1 2025vs Q1 2024$31.7MM$40.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4.7MM$5.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.9MM$3.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$100*$2.5kGO Savings - New Members Bonus
OTHER TIERS: 0.05% → $2.5k+
0.50%*$0$2.5kYouth Savings
OTHER TIERS: 0.10% → $25k+
0.25%$0-Business Savings
0.05%$100-Holiday Club
0.05%$100-GO Savings
0.05%$100-Extra Savings

Excite Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$200k*-High Yield Money Market
OTHER TIERS: 0.10% → $0 - $50k | 0.20% → $50k - $100k | 0.25% → $100k - $200k

Excite Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$250kVoltage Save & Spend
OTHER TIERS: 0.50% → $250k+
1.00%*$0$20kGo Checking
OTHER TIERS: 0.10% → $20k+

Excite Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-6 Month Share Certificate
4.25%$500-Business 6 Month Share Certificate
4.00%$500-12 Month Share Certificate
4.00%$500-Business 12 Month Share Certificate
2.90%$500-24 Month Share Certificate
2.90%$500-Business 24 Month Share Certificate
2.75%$500-36 Month Share Certificate
2.75%$500-48 Month Share Certificate
2.75%$500-60 Month Share Certificate
2.75%$500-Business 36 Month Share Certificate
2.75%$500-Business 48 Month Share Certificate
2.75%$500-Business 60 Month Share Certificate

Excite Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-6 Month IRA
4.00%$500-12 Month IRA
2.90%$500-24 Month IRA
2.75%$500-36 Month IRA
2.75%$500-48 Month IRA
2.75%$500-60 Month IRA
0.20%$100-IRA Share
Locations


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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