Step Up Savings

According to research, low income children with just $500 in a college savings account are 3x more likely to attend college and 4x more likely to graduate! Excite will make annual deposits if you do. And we also give a little extra every few years.

A good lesson on the road to growing up

Step Up SavingsTM  is only available to families affiliated with our Community Relations Partners. Our Youth Savings account is available to the general public.

Help your kids get in the habit of saving money

Our Step Up SavingsTM account is a unique program that helps accelerate savings and make it more likely for those in our community to access higher education. We’ve designed this account to meet and match deposits over the years and celebrate the beginnings and milestones of a strong educational future for your child.

Here's how it works, Excite Credit Union will deposit:

  • $50 in the account at opening. No opening deposit is required from you.
  • $25 in the account on the child’s 5th, 10th, 15th and 18th birthdays
  • Up to $25 each year in matching deposits* 
  • Dividends of 5% APY** on balances up to $2,500

Here are the deets:

  • Minor account only (17 years or younger), with adult signature
  • No monthly fees
  • No withdrawals – this account is for savings only
  • No membership fee
  • Requires eStatement
  • Excite initial bonus ($50) 
  • Annual ($25) matches and milestone bonuses until age 18
  • Must be affiliated with an Excite Credit Union non-profit or school partner (listed below):

Open an Account



Partnerships & Schools:

We thank the following community and school partners for stepping up for our children’s future!


Bill Wilson Center
Hispanic Foundation of Silicon Valley
Breakthrough Silicon Valley
Sunnyvale Community Services
SOMOS Mayfair
Child Advocates of Silicon Valley
Razing the Bar
Sunday Friends
Silicon Valley Education Foundation
Teen Success, Inc.
Shop with a Cop Silicon Valley
Healthier Kids Foundation

Residents in these East San Jose school district boundaries:
Alum Rock
Mount Pleasant
Oak Grove
East Side Union High School District

North Carolina

Step-Up Wilmington
YWCA - New Choices
Kids Making It
Carousel Center
Community Boys and Girls Club of Wilmington
Brigade Boys and Girls Club of Wilmington
Bobby Jean's Kids

Children and Families impacted by foster care

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.