What are the current interest rates at Excite Credit Union?

Current rates for Excite Credit Union include: 12-Month CD: 3.65%, 24-Month CD: 3.50%, Savings: 0.05%

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Excite Credit Union

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Excite Credit Union Rates & Review April 2026

Q: How many branches does Excite Credit Union operate?

Excite Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Excite Credit Union?

Yes, to access services at Excite Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Excite Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Excite Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 9, 2026

Excite Credit Union's 12-MONTH CD rates are at 3.65%, 6-MONTH CD rates are at 3.65%, 6 Business CD rates are at 3.65%, 24-MONTH CD rates are at 3.50%. Excite Credit Union's savings rates are at 0.05%. Excite Credit Union's Personal Loan Rates are at 5.00%. MonitorBankRates evaluates the financial stability of Excite Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.89%. Rates were last updated on 04/09/2026.

Excite Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Excite Credit Union? Share your experience about Excite Credit Union by leaving a review below, or read customer reviews before you decide to use Excite Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.89%

Excellent Higher than avg

Excite Credit Union
Corporate Office

151 Bernal Rd
San Jose, CA 95119 1306

https://www.excitecu.org

Excite Credit Union CD Rates

Product	Rate	APY	Term
12-MONTH CERTIFICATE	3.59%	3.65%	12
Min Deposit $500 Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%
6-MONTH CERTIFICATE	3.59%	3.65%	6
Min Deposit $500 Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%
6 Business Certificate	3.59%	3.65%	6
Min Deposit $500 Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%
24-MONTH CERTIFICATE	3.45%	3.50%	24
Min Deposit $500 Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%

Excite Credit Union Savings Rates

Product	Rate	APY
Go Savings	-	5.00%
Min Deposit $5 Details Bonus dividend rate of 5.00% APY* is paid on the first $2,500 balance in the account for the first 12 months Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%
Youth Savings	0.50%	0.50%
Min Balance $0 Details $50 opening deposit by Excite is held for the first 12 months and forfeited if account is closed prior to 12 months Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%
Youth Savings	0.10%	0.10%
Min Balance $2,500 Details $50 opening deposit by Excite is held for the first 12 months and forfeited if account is closed prior to 12 months Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%
Extra Savings	0.05%	0.05%
Min Balance $0 Details $5 Minimum to open these accounts Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%
Go Savings	-	0.05%
Min Deposit $5 Min Balance $2,500 Details Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances of $2500.01 and greater Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%
Holiday Savings	0.05%	0.05%
Min Balance $0 Details $5 Minimum to open these accounts Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%

Excite Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.00%
Details As Low As Last Updated 04/09/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.89%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Excite Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Excite Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Excite Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Excite Credit Union

Website https://www.excitecu.org

Address 151 Bernal Rd, San Jose, CA 95119 1306

Phone 408-265-7322

Fax

President Donna Rhody

CEO Brian Dorcy

Full-Time Employees 107

Part-Time Employees 0

Branch Locations 5

ATM Locations 7

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.89%

Return on Assets (ROA)

0.0614%

Return on Equity (ROE)

0.8634%

Non-Performing Loans Ratio (NPL)

1.13%

Total Assets

615,417,655

Total Amount of Shares and Deposits

560,361,249

Total Shares and Deposits < 1 Year

537,277,642

Total Shares and Deposits 1 3 Years

19,952,430

Total Shares and Deposits > 3 Years

3,131,176

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

31,169,413

Total Uninsured Shares and Deposits > $250K (F+J)

31,169,413

Total Insured Shares and Deposits > $250K (item 17 less item K)

529,191,836

Total Interest Expense (Sum of items 6 8)

5,033,709

Share Certificates

2,787

Number of Accounts for Share Drafts

26,106

IRA KEOGH Accounts

1,826

Number of Accounts for Regular Shares

52,491

Money Market Shares

1,911

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

22,072,091

Total Liabilities

581,765,483

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Excite Credit Union

Is Excite Credit Union a safe place to deposit money?

Yes, Excite Credit Union is considered a safe financial institution. With a Texas Ratio of 11.891583448038%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Excite Credit Union operate?

Excite Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Excite Credit Union?

Yes, to access services at Excite Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Excite Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Excite Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Excite Credit Union offer online and mobile banking?

Most modern institutions like Excite Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.excitecu.org.