Excite Credit Union San Jose CA | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Excite, your trusted financial partner located at 1695 Alum Rock Ave Ste 50, San Jose, CA 95116. Since our establishment in 1952, we have proudly served over 46,000 members with dedication and integrity. With total assets exceeding $653 million and a robust membership base, we stand as a pillar of financial strength in the community. At Excite, we believe in empowering our members through personalized banking services that cater to their unique needs. Our commitment to you goes beyond just numbers; it's about building lasting relationships and fostering community growth. Whether you're looking for auto loans, personal banking solutions, or business financing options, we are here to support your financial journey. Our leadership team, led by CEO Brian Dorcy and Board President Donna Rhody, is dedicated to maintaining a member-focused environment where your needs come first. With a skilled staff of 115 employees, we ensure that every visit or call is met with friendly service and expert advice. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 151 Bernal Rd, San Jose, CA 95119-1306. Feel free to reach out to us at 800-232-8669 during our operating hours: Monday - Thursday from 9 AM - 5 PM and Friday from 9 AM - 6 PM. Explore our services today by visiting our website at excitecu.org. Join us in making your financial dreams a reality!

Branch History & Mission

Embracing Innovation

In today's fast-paced world, we understand the importance of digital advancements. That's why we offer online and mobile banking options for easy access to your accounts anytime and anywhere. Our ATM availability ensures that you can manage your cash needs conveniently without any hassle.

Join Us!

Excite invites you to become part of our story. Experience the benefits of membership by visiting us or exploring our website at excitecu.org. Together, let's build a brighter financial future for you and your family! For more information or assistance, feel free to call us at 800-232-8669 during our operating hours: Monday - Thursday from 9 AM - 5 PM and Friday from 9 AM - 6 PM. Join Excite today where your financial success is our priority!

Our Mission

At Excite, our mission is more than just banking; it's about creating lasting relationships. We strive to provide personalized financial solutions tailored to meet the unique needs of each member. Whether it's personal banking services like checking and savings accounts or auto loans and mortgages, we aim to enhance the financial well-being of our community. We also believe in giving back. Through various community outreach programs and partnerships with local organizations, we actively support initiatives that uplift those around us. This commitment is reflected in our dedication to ADA compliance and customer-centric services that ensure everyone can access our offerings.

Our Story

Located at 1695 Alum Rock Ave Ste 50, San Jose, CA 95116, our branch has seen significant growth over the decades. With a current membership of over 46,000 and total assets amounting to an impressive $653,383,325, we are committed to delivering quality service while fostering a sense of community. Our branch is easily accessible, nestled among local landmarks that make it a convenient stop for our members. While members can visit us at our branch address for all banking needs, official correspondence should be sent to our mailing address at 151 Bernal Rd, San Jose, CA 95119-1306.

Branch Location & Accessibility

Get in Touch!

Whether you're an existing member or looking to join our community of over 46,000 satisfied members, we encourage you to visit us or give us a call at 800-232-8669. Our dedicated team is eager to assist you with all your financial needs. Come experience the Excite difference today!

Nearby Landmarks and Accessibility

Our branch is situated near key local landmarks, making it easy to find. If you're out enjoying a day at the nearby park or shopping center, swing by and say hello! We prioritize accessibility and provide features such as ADA-compliant ramps and ample parking spaces to accommodate all visitors.

Operating Hours

Excite is open Monday through Thursday from 9 AM to 5 PM and extends its hours on Friday until 6 PM. We invite you to come in during these hours when our friendly staff is ready to assist you with services like personal banking accounts, auto loans, mortgage options, and more.

Services Offered

At Excite, we aim to simplify your banking experience. Our branch offers a range of services including checking and savings accounts, vehicle financing options, personal loans for debt consolidation, and credit cards that reward your spending. Additionally, we provide online and mobile banking solutions so you can manage your finances on the go. For added convenience, our location features an ATM available for cash withdrawals and balance checks anytime you need them. However, please note that we do not offer drive-thru banking at this location.

Member Eligibility

At Excite, becoming a member feels like joining a caring family that's dedicated to your financial well-being. If you live, work, or attend school in the area surrounding our vibrant community at 1695 Alum Rock Ave Ste 50 San Jose Ca 95116, you may be eligible to join us! We welcome individuals who share our values and are eager to benefit from the unique offerings we provide. Membership means access to a variety of services tailored just for you, including competitive loans, attractive savings options, and personalized financial advice. To get started on your journey with us, you can find more detailed eligibility criteria by visiting http://www.excitecu.org/benefits-resources/benefits-of-membership/membership-benefits. The process of opening an account is straightforward; simply head over to our account opening page at https://app.loanspq.com/apply.aspx?lenderref=alliancecu072715&list=ccvlcbheplblst. If you have any questions or need assistance, don't hesitate to call us at (800) 232-8669. We're excited to welcome you into our community!

Business Banking & Commercial Services

Business Loans That Empower Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $7 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $249,877, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine running your business smoothly without worrying about payment processing. Our merchant services simplify transactions, allowing you to focus on what matters most serving your customers. From mobile payment options to secure online transactions, we provide tools that help your business thrive. Located at 1695 Alum Rock Ave Ste 50 San Jose Ca 95116 in San Jose, CA, we're here to support your business journey. Contact us today at (800) 232-8669 to learn more about how our tailored solutions can help you achieve your goals!

Comprehensive List Of Services

Convenient Digital Banking Features

At Excite, we believe in making banking as convenient as possible. Our online and mobile banking platforms allow you to manage your accounts on the go, making it easier than ever to stay on top of your finances. You can even take advantage of person-to-person payment options right from your smartphone. Additionally, our ATM and cash withdrawal services ensure you have easy access to your funds when you need them most. With basic ATM access available for withdrawals and balance checks, you'll never be far from your money.

Financial Support When You Need It

Sometimes life throws unexpected challenges your way. That's where our personal loans and debt consolidation services come in handy. Whether you need funds for a big purchase or want to consolidate existing debts into one manageable payment, we're here to help simplify your financial journey. For those who enjoy rewards while spending, our credit cards come with enticing benefits tailored to meet your lifestyle needs. Plus, if you're a business owner, our business banking services including merchant services and business loans are designed to support your growth.

Get Started Today!

We invite you to explore all that Excite has to offer. Visit us at 1695 Alum Rock Ave Ste 50 San Jose Ca 95116 or give us a call at (800) 232-8669 for more information about how our comprehensive services can meet your financial needs. Join us today and experience the difference in personalized banking! For more details about membership benefits, check out this link. Your journey toward financial wellness begins here!

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you manage your everyday expenses and save for future goals. Imagine having an account that not only keeps your money safe but also helps you grow it over time. With easy online and mobile banking access, you can check balances, transfer funds, and pay bills from anywhere at any time. If you're thinking about getting a new car or refinancing your existing vehicle, our auto loans and vehicle financing options are here for you. We understand how important reliable transportation is, so we offer competitive rates that fit your budget. And for those larger investments like buying a home, our mortgage loans and refinancing options provide flexible terms to suit your financial situation.

Digital & Online Banking

Convenient Online Banking Access

With our 24/7 online banking services available at https://excitecu.org/, accessing your account has never been easier. Whether you need to check your balance, pay bills, or transfer funds, everything is just a few clicks away. You can manage your money anytime, anywhere, ensuring that you're always in control.

Key Features for Your Ease

Our online platform includes essential features like electronic signature authorization, making it easy to complete transactions securely without the hassle of paperwork. Plus, with e-statements available, you can go green and keep track of your finances effortlessly. If you prefer using your mobile device, our user-friendly mobile application allows for quick access to all these features right at your fingertips.

Make Payments and Transfers Effortlessly

Need to send money to a friend? Our person-to-person transfer feature simplifies this process, allowing you to send funds directly from your account in just seconds. Additionally, if you're out shopping or dining, take advantage of our mobile payments feature to make secure purchases quickly and easily. At Excite, we prioritize your security while providing these convenient tools. We use advanced technology to ensure that your information remains safe as you manage your accounts in real time. Join us today and experience a new level of convenience with our digital banking services!

Financial Strength

Commitment to Innovation

With $41,906,948 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment ensures that we remain ahead in providing valuable services tailored to your needs.

Focused on Our Members

Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Your trust is our priority.

Partnering for Your Future

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Excite is your trusted partner. Visit us at 1695 Alum Rock Ave Ste 50 San Jose Ca 95116 or call (800) 232-8669 to learn more about how we can help you achieve your financial goals.

Secure Savings Opportunities

Members' savings are secured through $104,410,253 in share certificates and $57,416,889 in money market shares, offering stable and rewarding financial growth opportunities. This means you can save with confidence knowing your money is working for you.

Strong Financial Health

With a net worth of $44,635,503, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $681 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

With $7,289 in used auto loans and $481,306,411 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Whether it's purchasing a car or financing other needs, we're here to help. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 114 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts: 84,030, showing a strong and growing member base that trusts us with their finances.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $134,769,431 in used vehicle loans and $60,642,573 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $249,877 provide the capital needed to grow and expand. We aim to support local businesses by offering tailored solutions that can help you reach your operational goals. If you're considering refinancing or exploring eligibility options, our team is ready to assist you with personalized advice and guidance. We want to make sure you find the best financial solutions for your unique situation. To learn more about our loan offerings or to speak with one of our representatives, feel free to contact us at (800) 232-8669 or visit us at 1695 Alum Rock Ave Ste 50 San Jose Ca 95116 in San Jose, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey towards financial stability starts here at Excite, where we're dedicated to helping you thrive!

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $22,854,274 in loans helping members manage their finances effectively. These credit cards come with competitive interest rates and rewards programs to give you more value for your spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $47,692,367, make buying or refinancing simple. We provide various mortgage products to help you navigate the home-buying process smoothly.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

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Excite