We’re a credit union, not a bank. What’s the difference? Credit unions are owned by the Members, not a bunch of faceless shareholders. The products we offer and the service we provide are founded with the idea that people matter most. We are the Community’s Credit Union!
According to the Credit Union National Association (CUNA), we provided $7,363,709 in direct financial benefits to our members last year! Learn More
Access to Local Experts, Lower Rates/Fees & Better Savings, Full-service Digital Banking, and Commitment to the Community - We think being a Member of Excite Credit Union is a step above. But it doesn’t end there!
- Online Services: Zelle®, Mobile Deposit, Mobile Wallets, Credit Score Monitoring & Alerts, Online Bill Payment, eStatements, Money Management & Budgeting Tools
- Branch Services: Local Financial Experts, Notary Services1, Card Cash Advance, Courtesy Pay, Cashier’s Check
- Shared Branching, More than 30k ATMs, 24x7 Call Center Support.
Personal
- Get paid up to 2 days early with direct deposit2
- Go Checking No Cost and Dividend Accounts Available
- No annual fee Credit Cards with great reward options (cashback & travel)
- Auto & Personal Loan Skip Payment Available, we’ve got your back
- Youth Savings - $50 opening bonus perks
- Local Financial Advisors
- Go Business Checking No Cost and Dividend Accounts Available
- Business Online Banking designed for Small Businesses
- Business Solutions:
- Merchant Services
- HR & Payroll Services
- LLC & Corporation Registration Services
- Financial Wellness, Credit Counseling, Personal Financial Education & and Youth programs, Webinars and Seminars
- Small Business Financial Education
- Referral Program
Get great discounts when you use your card at select retailers
Enjoy discounts at movie theaters, sporting events, theme parks, amusement parks, museums, plays and more. Click below to sign up and get started by clicking on the “Become a Member” button and clicking on company code. Use ExciteCU
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Enjoy discounts at the Excite Ballpark and a San Jose Giants game. Excite Members will receive 10% off food, drinks and tickets when showing your Excite Credit or Debit Card.
- TURBOTAX: Members can save up to 20% on TurboTax federal products. Get Started
- H&R BLOCK: New and returning clients save up to $25 on H&R Block in-office tax prep services. Get Coupon
- SPECTRUM MOBILE: Switch, save, and get a $50 cash reward from Love My Credit Union® Rewards for each new mobile line activated with Spectrum. Learn More
- T-Mobile: Switch, save and earh up to $50 from T-Mobile for each new line activiation, plus Netflix on us, AppleTV and more. Get Started
Insurance Services, Vehicle Coverage such as Guaranteed Asset Protection (GAP) and Mechanical Repair Coverage (MRC) and Debt Protection
Being a Member of Excite, is more than just banking; you make a difference in the community
Opportunity to support Children’s Savings Programs
We give everyone the chance to build a financially stronger future.
We design products to save you more money, and we’re owned by our Members.
You are eligible for membership if:
- You live, work, worship, or attend school in Santa Clara, San Mateo, Alameda, Santa Cruz, Monterey and San Francisco counties in California or Brunswick, New Hanover and Pender counties in North Carolina.
- You are a Member of or employed by one of our partner organizations or businesses.
- You have a family member, domestic partner, or roommate that is a member of Excite.
- Membership in Excite Credit Union requires a deposit of one share in the membership account which must remain on deposit until membership is terminated. Par value of a credit union share is $5.
Get in touch! You can call us at 800.232.8669 every Monday through Friday from 9 am to 5 pm.
You can also wander around our website to get to know us and what we offer.
(1) Notary services offered for Member consumer documents only. Fees will be charged up to maximum allowed under State Fee Schedule. Excite Documents, no charge.
(2) Early access to direct deposit funds depends on timing of payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date. Excite Credit Union is not responsible for NSF fees or penalties resulting from transactions in advance of an anticipated early ACH credit posting.
(2) Early access to direct deposit funds depends on timing of payer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer's scheduled payment date. Excite Credit Union is not responsible for NSF fees or penalties resulting from transactions in advance of an anticipated early ACH credit posting.