What are the current interest rates at Excite Credit Union?

Current rates for Excite Credit Union include: Savings: 5.00%

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Excite Credit Union

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Excite Credit Union Rates & Review September 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 and Verified: September 22, 2026

Excite Credit Union's 6 Month Business CD rates are at 3.65%. Excite Credit Union's savings rates are at 5.00%. Excite Credit Union's Auto Loan Rates are as low as 4.50%. Excite Credit Union's Credit Card Rates are at 19.99%. 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 8.89%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.89%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

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	View More
6 Month Business Certificate	3.59%	3.65%	6 months
Min Deposit $500 Details APY=Annual Percentage Yield; 4.170% Dividend Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.89%

Excite Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.50%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.89%

Excite Credit Union Credit Card Rates

Product	Rate	APR	View More
Introductory Credit Card	-	19.99%
Details Intro/promo APR: 1.99%; Intro rate expires: 6 months; Regular APR: 19.99% - 29.99% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.89%

Excite Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Go Savings	4.88%	-	5.00%	12 months
Min Deposit $5 Min Balance $2,500 Details Go Savings is the best friend account to our Go Checking , but there's a reason the cool kids hang together. A bonus dividend rate of 5.00% APY* 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 April will earn the bonus dividend from the date the account is opened through April of the following year. All this plus instant access to all the other beneficial financial services we offer, for a minimum opening deposit of just $5. Best for: the busy person on the go who just wants their money to do all of the work- and that's ok. We don't blame you. Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances of $2500.01 and greater Offer subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.89%
New Membership Bonus	-	-	5.00%	12 months
Min Deposit $500 Min Balance $2,500 Details New Membership Bonus paid on the first $2,500 balance in the account for the first 12 months! Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances up to $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.89%

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.
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Financial Health History

Excite Credit Union’s Texas Ratio rose from 3.22% in Q2 2023 to 8.89% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$615M	8.89%	5.0	A
December 31, 2025	$618M	10.50%	5.0	A
September 30, 2025	$615M	10.89%	5.0	A
June 30, 2025	$612M	11.79%	5.0	A
March 31, 2025	$619M	7.99%	5.0	A
December 31, 2024	$626M	10.19%	5.0	A
September 30, 2024	$653M	9.02%	4.8	A
June 30, 2024	$682M	10.35%	5.0	A
March 31, 2024	$688M	5.95%	5.0	A+
December 31, 2023	$703M	8.47%	5.0	A
September 30, 2023	$709M	4.63%	5.0	A+
June 30, 2023	$717M	3.22%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

8.89%

Return on Assets (ROA)

-0.0492%

Return on Equity (ROE)

-0.7073%

Non-Performing Loans Ratio (NPL)

0.92%

Total Assets

615,236,740

Total Amount of Shares and Deposits

576,946,120

Total Shares and Deposits < 1 Year

476,912,888

Total Shares and Deposits 1 3 Years

94,377,420

Total Shares and Deposits > 3 Years

5,655,812

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

38,520,485

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

38,521,443

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

538,424,677

Total Interest Expense (Sum of items 6 8)

1,615,522

Share Certificates

2,851

Number of Accounts for Share Drafts

24,004

IRA KEOGH Accounts

1,486

Number of Accounts for Regular Shares

48,173

Non Member Deposits

Money Market Shares

1,759

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Adequately Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

30,355,397

Total Liabilities

581,932,853

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Excite Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Excite Credit Union

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.