Those extra dollars mean bigger dreams

With our lower rates, you'll have more to work with

This is the moment. You're ready to build something or buy something or do something special. At Excite Credit Union, we want you to be able to go all-in on that vision. So we set our rates for Home Equity Loans and Lines of Credit as low as possible. At the end of the day, that's less money for you to repay and more for you to use to get things done exactly the way you want.

Home Equity Line of Credit**

All rates effective as of 01/24/2021
Description APR Application Fee Closing Costs
Loan to Value (LTV) varies As low as 4.00% None Yes

Second Mortgage Loan - Fixed Rate & Fixed Term

Description Term APR Application Fee Closing Costs
Loan to Value (LTV) varies 60 Months As low as 4.99% None Yes
Loan to Value (LTV) varies 120 Months As low as 5.49% None Yes
Loan to Value (LTV) varies 180 Months As low as 5.99% None Yes

Excite Credit Union is a full-service credit union with locations in San Jose, CA, Sunnyvale, CA, and Wilmington, NC.

Step up to Membership

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.