Excite Credit Union San Jose CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Excite, your trusted financial partner nestled in the heart of San Jose, CA. Located at 848A Blossom Hill Rd, San Jose, CA 95123, we have been serving our community since 1952. With a strong commitment to member satisfaction, we proudly support over 46,304 members with a range of personalized banking solutions. At Excite, we understand that every financial journey is unique. That's why we offer a variety of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Our total assets stand impressively at $653,383,325, ensuring that you can count on us for stability and growth. We also manage a robust portfolio with total loans amounting to 22,093, allowing us to empower our members in achieving their financial goals. Your trust is paramount to us. With total deposits reaching $23,824,540 and a net worth of $44,635,503, we demonstrate our solid foundation built on transparency and responsible management. Additionally, we keep over $6,122,915 in cash on hand to ensure liquidity and reliability for our members. Our leadership team is dedicated to guiding you through your financial decisions. Under the direction of CEO Brian Dorcy and Board President Donna Rhody, our staff of 115 experienced employees is always ready to assist you with warmth and expertise. Whether you're seeking assistance with personal loans or exploring business banking options, we're here for you. While members can visit us at our branch location for face-to-face support during our hours of operation Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM official correspondence should be sent to the same address: 848A Blossom Hill Rd, San Jose, CA 95123. Explore more about what we offer by visiting our website at Excite Credit Union or give us a call at 800-232-8669. Join us today and experience the Excite difference!

Branch History & Mission

At Excite, located at 848A Blossom Hill Rd, San Jose, CA 95123, we proudly trace our roots back to 1952. Since our inception, we have been committed to serving the community of San Jose with integrity and dedication. Over the years, we have grown significantly, now boasting a membership of over 46,000 individuals who trust us with their financial needs. Our total assets stand at an impressive $653,383,325, which reflects our strong position in the financial landscape. Our mission is clear: to empower our members through accessible financial services while fostering a sense of community. We strive not only to provide personal banking solutions such as checking and savings accounts, auto loans, and mortgages but also to engage actively in local outreach efforts. By supporting various initiatives and partnerships within the community, we aim to create a positive impact that extends beyond just banking. Excite offers convenient operating hours from Monday to Friday, 9 AM to 6 PM and Saturdays from 9 AM to 2 PM, ensuring we are available when you need us most. For those on the go, our branch features ATM availability for easy cash withdrawals and balance checks. Although we do not have drive-thru service at this location, we are pleased to offer shared services that allow for basic transactions for members of partner credit unions. While members can visit us at our Blossom Hill location for all their banking needs, official correspondence should be sent to the same address: 848A Blossom Hill Rd, San Jose, CA 95123. As technology advances, so do we. Our digital offerings include online banking and mobile payments that cater to your busy lifestyle. We prioritize accessibility by maintaining ADA compliance throughout our facilities. We invite you to join Excite and experience firsthand the commitment we have towards not just your financial success but also the well-being of our entire community. Your membership means being part of something bigger let's grow together! For more information or to become a member today, please call us at 800-232-8669 or visit our website.

Branch Location & Accessibility

Operating Hours

We know that convenience matters, which is why our lobby hours are designed to fit your busy schedule. Join us Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. Need assistance after hours? Feel free to call us at 800-232-8669, and our friendly team will be ready to assist you!

Services Offered

At Excite, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Plus, if you're looking for quick cash access, we offer ATM services right at our branch. While we currently do not have drive-thru banking available, our shared service center allows basic transactions for partner credit union members. We invite you to come visit us at Excite! Stop by today or give us a call with any questions you may have about our services. Your financial journey starts here!

Member Eligibility

At Excite, we believe that becoming a member means joining a caring community where your financial well-being is our priority. If you're interested in membership, you'll be pleased to know that eligibility is quite inclusive! Whether you live, work, worship, or attend school in the area, you can easily qualify to join us. We aim to support individuals from all walks of life, ensuring everyone has access to our range of financial services. For more detailed information about the specific eligibility criteria, feel free to check out our website at http://www.excitecu.org/benefits-resources/benefits-of-membership/membership-benefits. Once you're ready to take the next step, opening an account with us is straightforward and welcoming. You can start the process online by visiting https://app.loanspq.com/apply.aspx?lenderref=alliancecu072715&list=ccvlcbheplblst or give us a call at (800) 232-8669 if you have any questions. Our branch is conveniently located at 848A Blossom Hill Rd San Jose Ca 95123, and we're here to assist you in every way possible as you embark on this exciting journey with us at Excite!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine running your business without worrying about payment processing. Our merchant services streamline transactions, enabling you to focus on what matters most your customers. By simplifying payment acceptance, we help you enhance customer satisfaction and boost sales. Located at 848A Blossom Hill Rd San Jose Ca 95123, San Jose, CA, our dedicated team is here to provide personalized guidance tailored to your unique business needs. Let's build your success together! For more information, call us at (800) 232-8669 or visit our website at https://excitecu.org/.

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll appreciate our commitment to supporting local businesses. We offer business banking solutions, including merchant services that simplify transactions and business loans designed to help you grow and expand your operations.

Credit Solutions

Our credit cards with rewards allow you to earn points on purchases you make every day. Enjoy perks like cashback or travel rewards while managing your expenses effectively.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why at Excite, we provide robust online and mobile banking options. Check balances, transfer funds, or pay bills from anywhere using our user-friendly app or website. Need cash? Our ATM services are readily available for quick withdrawals and balance checks.

Home Financing Options

For those dreaming of homeownership or looking to refinance their current mortgage, our mortgage loans provide competitive rates and personalized service. We understand that buying a home is a significant milestone, which is why our knowledgeable staff is here to guide you through every step of the process.

Personal Banking Services

When it comes to managing your day-to-day finances, our personal banking options are designed for ease and accessibility. You can open checking and savings accounts that fit your lifestyle, allowing you to save for your future while having immediate access to your funds. If you're considering a new vehicle or simply need some extra cash for unexpected expenses, our auto loans and vehicle financing make purchasing a car straightforward and stress-free. Additionally, we offer personal loans and debt consolidation solutions that can help streamline your payments and reduce financial burdens.

Shared Branch Transactions

We also participate in shared branch transactions, allowing members of partner credit unions to perform basic transactions like deposits and withdrawals right here at our location. This added convenience means that even when you're traveling or away from home, accessing your money is never a hassle. In short, whether you are looking to manage daily expenses, finance a new vehicle or home, start a business, or simply enjoy the benefits of modern banking technology, Excite is here for you every step of the way. Feel free to reach out at (800) 232-8669 for any questions or visit us today at 848A Blossom Hill Rd San Jose Ca 95123! We look forward to serving you.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, giving you access to your accounts whenever you need it. Whether you're checking your balance or transferring funds, our services are just a click away at https://excitecu.org/. For members who prefer the convenience of their mobile devices, our dedicated mobile application makes banking on the go simple and hassle-free. You can easily sign documents digitally with our electronic signature authorization feature, eliminating the need for paper forms and in-person visits. Plus, if you prefer to stay organized and eco-friendly, e-statements are available for all members, allowing you to view your statements anytime without the clutter of physical mail.

Security and Convenience

Your security is our top priority. Our online banking services come equipped with robust security measures to protect your personal information. You can also enjoy peace of mind knowing that person-to-person transfers are quick and safe, making it easier than ever to send money to friends or family when they need it. Additionally, with our mobile payments feature, you can make purchases directly from your smartphone. This means less time fumbling for cash or cards just tap and go! At Excite, we believe that banking should be accessible and stress-free. Our digital solutions allow you to manage your finances in real-time while providing the security you deserve. Join us today and experience a new level of convenience in your financial journey!

Financial Strength

Growing Membership Base

Total Share Accounts stand at 84,030, showing a strong and growing member base that trusts us with their finances. This growth underscores our community's confidence in our ability to provide reliable services tailored to your needs. 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 848A Blossom Hill Rd San Jose Ca 95123 or call (800) 232-8669 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

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. Our lending capacity is robust; we have $7,289 in used auto loans and $481,306,411 in total loans and leases to support your financial goals across various sectors.

Member-Centric Savings

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. 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.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 114 full-time employees and 1 part-time employees who are always ready to serve you with a knowledgeable, committed team.

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 commitment to sound management practices is reflected in our net worth ratio of $681, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Financing Options

If you're looking for extra funds for personal needs or consolidating debt, we have other personal loan options available too. Additionally, for business owners seeking growth opportunities, our outstanding commercial loans totaling $249,877 provide the capital needed to expand operations. If you're interested in exploring refinancing options or checking eligibility for any of our products, visit our website or contact us directly. Our team is ready to guide you through every step of the process. For more information on membership benefits and eligibility criteria, please check out our resources at Excite's Membership Benefits. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Excite Credit Union, we are committed to helping our members navigate their financial journeys with confidence and ease. Come visit us today!

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. Our financing options are designed with flexibility in mind, so whether you're purchasing a brand-new model or a reliable pre-owned vehicle, we're here to assist.

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 cards come with features that can help you earn rewards while keeping your spending manageable.

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 support throughout the entire process and ensure that you understand your options clearly.

Loan Aggregator

Accurate Loan 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), ensuring fair and transparent offers. This commitment to accuracy means you can trust that the information you receive is both current and reliable.

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can confidently compare rates without worrying about misleading information. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every loan comparison reflects the best available options for your needs, not what a lender pays to be seen first. Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. With LendMesh, you won't miss out on better rates simply because you didn't have the latest information. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" By choosing LendMesh, you're opting for a service rooted in transparency and integrity. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Excite