Excite Credit Union San Jose CA | Convenient ATM Access & Quick Withdrawals

Introduction

Welcome to Excite, your trusted partner in financial growth and community support! Located at 151 Bernal Rd, San Jose, CA 95119, we are proud to serve a vibrant community with a focus on personalized banking solutions. Established in 1952, our credit union has grown to welcome 46,304 members who rely on us for their financial needs. At Excite, we believe in building strong relationships with our members. With total assets exceeding $653 million and total deposits of $23,824,540, we stand firm as a reliable institution dedicated to your success. Our team of 115 employees, led by CEO Brian Dorcy and Board President Donna Rhody, is committed to providing exceptional service tailored to you. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: 265 Curtner Avenue, San Jose, CA 95125. Whether you're looking for loans or savings options, our offerings include over 22,093 loans and leases totaling millions in financial support for our members. With a net worth of $44,635,503 and cash on hand amounting to $6,122,915, we have the resources to help you achieve your financial goals. At Excite, we don't just provide services; we invest in our community. Join us today and experience the difference that personalized service can make. For inquiries or assistance, don't hesitate to give us a call at (408) 265-7322 or visit our website at excitecu.org. Together, let's build a brighter financial future!

Branch History & Mission

Community Focus

Our commitment extends beyond banking. We actively engage in partnerships and outreach programs that uplift our community. By participating in local events and supporting various initiatives, we strive to give back and strengthen the bonds within San Jose. We also understand the importance of flexibility in today's fast-paced world. That's why we're proud to offer ATM services at our branch along with friendly lobby hours from Monday through Friday from 9:00 AM to 5:00 PM. While we do not have drive-thru banking options or shared service centers at this location, our ATM provides essential services like withdrawals and balance checks.

Join Us

As we look toward the future, we invite you to be part of this exciting journey. Experience firsthand the benefits of being an Excite member whether it's securing your dream home with favorable loans or simply having a reliable place for your savings. Join us today and become part of a community-focused credit union that puts you first! For more information about membership or services offered at Excite, feel free to call us at 408-265-7322 or visit us online at excitecu.org. Let's build a brighter financial future together!

Our Evolution

From our humble beginnings as a small credit union, we have continuously evolved to serve our members better. Over the years, we've expanded our services and embraced technology to provide convenience and accessibility. Today, we manage assets totaling $653,383,325, a testament to our commitment to sound financial practices and member trust. While our branch address is where you can find us for face-to-face interactions, if you need to send official correspondence, please use our mailing address at 265 Curtner Avenue, San Jose, CA 95125.

Our Mission

At Excite, our mission is clear: we aim to empower our members with not just financial services but also support that fosters community growth and prosperity. We believe in making banking accessible for everyone by offering quality services tailored to meet diverse needs. Whether it's through competitive loan rates or personalized customer service, we strive to create positive experiences for all who walk through our doors. We are dedicated to being more than just a bank; we are your financial partner. We ensure that all our services meet ADA compliance standards so everyone can access what they need without barriers. Additionally, with features like online banking and mobile payments available for added convenience, we make managing finances easier than ever.

Branch Location & Accessibility

Accessibility Features

We prioritize accessibility for all our members. Our location is ADA compliant, featuring ramps and easy access points to ensure everyone can navigate comfortably. Plus, there's ample parking available right outside the branch for your convenience.

Get in Touch

We invite you to stop by or give us a call at 408-265-7322 if you have any questions or need assistance. Our team looks forward to welcoming you and helping you make the most of your membership! Visit us today at Excite where your financial journey begins!

Operating Hours

At Excite, we understand that your time is valuable. Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, making it easy to find a time that fits your schedule. We strive to provide friendly service during these hours so you can get in and out quickly.

Services Offered

Excite offers essential ATM services for quick cash withdrawals and balance checks. While we currently do not have drive-thru banking or shared service centers, our dedicated staff is always ready to assist you inside the branch with any banking needs you may have.

Member Eligibility

Becoming a member of Excite is like stepping into a welcoming community where you can find support and great financial services tailored just for you. If you're looking to join us at our branch located at 151 Bernal Rd San Jose Ca 95119, the good news is that eligibility is quite accessible! We primarily welcome individuals who live, work, or worship in our community, as well as their family members. This means if you're connected to someone already with us, you're likely eligible too! Plus, joining gives you access to a range of benefits designed to help you achieve your financial goals, from competitive loan rates to personalized service. Ready to start your journey with us? Opening an account is straightforward! You can find all the details on how to become a member by visiting http://www.excitecu.org/benefits-resources/benefits-of-membership/membership-benefits. If you have any questions or want more information, feel free to give us a call at (408) 265-7322. We're here to help you every step of the way!

Business Banking & Commercial Services

At Excite, we understand that every business has unique needs and dreams. Whether you're a startup looking to expand or an established firm seeking new opportunities, our business banking and commercial services are designed to help you thrive. Imagine securing the funding you need to launch a new product line or open another location. That's the power of our commercial loans. 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. In addition to loans, we offer essential merchant services that simplify everyday operations. Picture this: you can easily accept payments from customers, manage your cash flow, and even access online banking features all from one place. Our goal is to empower you so you can focus on what matters most: growing your business. Visit us at 151 Bernal Rd San Jose Ca 95119 in San Jose, CA or give us a call at (408) 265-7322 to learn how we can assist you today!

Comprehensive List Of Services

Accessible Banking Solutions

One of the primary services we offer at Excite is convenient ATM access. With our ATM Services Only, you can easily withdraw cash or check your account balance without stepping into a branch. This feature is perfect for busy individuals who need quick access to their funds while on the go. Imagine being able to grab cash before heading out for a night with friends, all without any hassle.

Commitment to Member Satisfaction

We recognize that managing your finances should not be complicated. That's why we focus on providing straightforward services that cater to your everyday needs. Our basic ATM services allow you to perform essential transactions whenever it suits you best, ensuring that you're always in control of your money.

Digital Convenience

In today's world, convenience is key, and that's why we prioritize digital banking features at Excite. While our current offerings include essential ATM services, we're continuously exploring ways to enhance your banking experience. Our aim is to provide you with more tools in the future that will allow for online payments, transfers, and much more making it easier than ever to manage your finances from anywhere.

Join Us Today!

Ready to explore what Excite can do for you? We invite you to visit us or give us a call at (408) 265-7322 during our operating hours, Monday through Friday from 9:00 AM to 5:00 PM. Whether you're already a member or thinking about joining us, we're here to help you navigate your financial journey with confidence. For more information about our services or how to become a member, visit our website at https://excitecu.org/. Join us today and experience the personalized service and commitment that makes Excite stand out in the community!

Digital & Online Banking

Accessibility and Ease-of-Use

We know that life can be busy. That's why our mobile payments feature allows you to make purchases directly from your smartphone, making shopping and bill payments straightforward. With real-time account management at your fingertips, you can stay in control of your finances no matter where you are. Join us at Excite today and experience the benefits of easy and secure digital banking!

Key Services

Whether you're checking your balance, transferring funds, or making payments, everything is just a few taps away on our mobile application. Plus, with features like person-to-person transfers, sending money to friends and family is quick and hassle-free. Security is a top priority at Excite. Our electronic signature authorization lets you sign documents securely from the comfort of your home. You can also opt for e-statements, which not only help reduce paper clutter but also allow you to view your financial statements anytime, anywhere.

Financial Strength

Dedicated Team

Behind our financial strength is a dedicated team of professionals. We proudly employ 114 full-time employees and 1 part-time employees who are committed to serving you with knowledge and care. This ensures that every visit to Excite, located at 151 Bernal Rd San Jose Ca 95119, feels personal and fulfilling.

Growing Member Base

Our stability is also reflected in our strong membership base, with a total of 84,030 share accounts managed diligently by our staff. This illustrates the trust placed in us by the community we serve. In conclusion, 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 151 Bernal Rd San Jose Ca 95119 or call (408) 265-7322 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Lending Capacity

Our capacity to support your financial goals is evident in our lending figures. With $7,289 in used auto loans and $481,306,411 in total loans and leases, we provide flexible options tailored to meet various needs. Our operational efficiency is highlighted by our $0, allowing us to keep offering competitive loan rates and solid financial products designed for you.

Member-Centric Approach

We prioritize our members above all else. With $104,410,253 in share certificates and $57,416,889 in money market shares, your savings are secured and poised for growth. Unlike traditional banks, we focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks. This commitment is reflected in our $41,906,948 in undivided earnings, which we reinvest into innovative banking tools and stronger lending options.

Solid 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.

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 looking for a brand-new model or a reliable used vehicle, we've got 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 recognize the unique challenges businesses face and are here to support your journey toward success.

Mortgage Options

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 personalized service to guide you through the process and ensure you find the best terms for your situation.

Refinancing and Eligibility

If you're considering refinancing your current loans or exploring eligibility options for our various products, we encourage you to reach out. Our knowledgeable team at Excite is ready to help you navigate these processes and find the right solution tailored to your needs. For more information about our loan offerings or to discuss how we can assist you further, please contact us at (408) 265-7322 or visit us at 151 Bernal Rd San Jose Ca 95119 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. Let us help you achieve your financial dreams today!

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. Enjoy peace of mind knowing you have access to funds when you need them.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This sourcing guarantees that all offers presented are fair and transparent. You can trust that the information you see reflects genuine lending conditions.

Excite