Ditch the cookie jar and step up to better
Better rates lead to more groceries (and cookies)
We know you're not looking for some sort of storage facility for your savings. You've come to us because you heard we're good at helping people grow their money. You heard right. We do everything possible to offer great rates on our Share Accounts, Share Certificates, Money Markets and IRAs. The bottom line is that you get considerably more out of your Excite Credit Union account than what you put into it.
Share Rates
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| Go Savings and Extra Savings | ||
| $100.00 - $24,999.99 | 0.05% | 0.05% |
| $25,000.00+ | 0.05% | 0.05% |
| IRA Share | ||
| $100.00 - $24,999.99 | 0.20% | 0.20% |
| $25,000+ | 0.20% | 0.20% |
| Youth Savings | ||
| $0.01 - $2,500 | 5.00% | 4.89% |
| $2,500+ | 0.50% | 0.50% |
*APY=Annual Percentage Yield
NOTE: For NEW members who open a Go Savings, a bonus dividend rate is paid on the first $2,500 balance in the account for the first 12 months beginning on the date the account is opened. For example, accounts opened in March will earn the bonus dividend from the date the account is opened through March of the following year.
Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
Go Checking Rates
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| Premium Rate | ||
| $0.01 - $20,000.00 | 1.00% | 1.00% |
| Standard Rate | ||
| 20,000.00+ | 0.10% | 0.10% |
*APY=Annual Percentage Yield. The dividend period is monthly. The Daily Balance method is used to calculate dividends on the account. This method applies a daily periodic rate to the principal in the account each day. Dividends begin to accrue on the business day you make a deposit. Dividends are compounded daily and posted monthly on the last day of the month.
Please note: Payment of dividends requires the account to have 6 posted debit card transactions and receive a minimum direct deposit of $500 into the Go Checking per statement period and be set up for eStatements.
Dividend Checking Rates
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| Premium Rate | ||
| $0.01 - $15,000.00 | 0.50% | 0.50% |
| Standard Rate | ||
| $15,000.01 + | 0.20% | 0.20% |
Please note, this product is no longer offered. Please see details for our Go Checking account.
Dividends will be compounded monthly and credited monthly. For our Dividend Checking Account the dividend period is monthly.
Dividends are calculated using the Average Daily Balance method. If you close your account before dividends are credited you will forfeit dividends that have accrued but not yet been paid. Dividend Rates and APY are variable, projected, and subject to change.
There are two tiers of dividends paid on the Dividend Checking Account, the Premium Rate and the Standard Rate. The Premium Rate will be paid on balances up to $15,000 provided the account is set up for eStatements and has 12 or more posted debit card transactions within the calendar month. The Standard Rate will be paid on balances over $15,000 or on the entire balance if the account does not meet the eStatements and 12 monthly posted debit card transaction requirements.
Your savings insured to $250,000 by the National Credit Union Administration(NCUA), a U.S. Government Agency.
High Yield Money Market Accounts
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| $0.01 - $2,499.99 | 0.10% | 0.10% |
| $2,500 - $9,999.99 | 0.10% | 0.10% |
| $10,000.00 - $24,999.99 | 0.10% | 0.10% |
| $25,000.00 - $49,999.99 | 0.10% | 0.10% |
| $50,000.00 - $99,999.99 | 0.25% | 0.25% |
| $100,000.00 - $199,999.00 | 0.30% | 0.30% |
| $200,000.00+ | 0.35% | 0.35% |
*APY=Annual Percentage Yield
NOTE: High Yield Money Market accounts require a $2,500 minimum opening deposit, but can be maintained with a lower balance. The rate for balances less than $2,500 can be seen in the row with a deposit range of $0.01 - $2,499.99.
Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
Share Certificates
| Term | APY* | Dividend Rate | Minimum Deposit |
|---|---|---|---|
| 6 Months | .35% | .35% | $500 |
| 12 Months | .55% | .55% | $500 |
| 24 Months | .65% | .65% | $500 |
| 36 Months | .75% | .75% | $500 |
| 48 Months | .80% | .80% | $500 |
| 60 Months | .85% | .85% | $500 |
*APY = Annual Percentage Yield.
NOTE: Early withdrawal penalties apply. Offer subject to change without notice.
Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
IRAs (Individual Retirement Accounts)
| Term | APY* | Dividend Rate | Minimum Deposit |
|---|---|---|---|
| 6 Months | .35% | .35% | $500 |
| 12 Months | .55% | .55% | $500 |
| 24 Months | .65% | .65% | $500 |
| 36 Months | .75% | .75% | $500 |
| 48 Months | .80% | .80% | $500 |
| 60 Months | .85% | .85% | $500 |
*APY=Annual Percentage Yield
NOTE: Early withdrawal penalties apply. Offer subject to change without notice. Limit one per member
Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
Legal Mumbo Jumbo
These rates are current as of today, but are subject to change at any time.
PAYMENT OF DIVIDENDS FOR ALL ACCOUNTS
Dividends are paid at the end of the applicable dividend period and are only paid out of current income and available earnings after required transfers to reserves. Dividends are regularly declared by the Board of Directors and are subject to change at any time. Credit Union bylaws permit a delay of up to 60 days for withdrawal of shares.
For more details and information, please review our account disclosures: Funds Availability Disclosure; New Account Disclosure; Youth Account Disclosure; Standard Certificate Disclosure