Excite Credit Union San Jose CA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to Excite, your trusted partner in financial well-being, located at 265 Curtner Ave, San Jose, CA 95125. Since our establishment in 1952, we have proudly served our community, growing alongside our members and creating a supportive environment for all. With a total membership of 46,304 individuals, we are more than just a credit union; we are a family that prioritizes your financial goals. At Excite, our commitment to you is reflected in our robust financial standing. We manage over $653 million in assets and maintain a strong net worth of $44,635,503. Our dedication to responsible lending practices has led us to issue 22,093 loans, helping members achieve their dreams whether it's purchasing a new vehicle or consolidating debt. We understand the importance of accessibility and convenience. That's why we offer a range of services including personal banking, auto loans, mortgages, business banking solutions, and online and mobile banking options to fit your lifestyle. Whether you prefer visiting us in person or managing your finances on the go, we've got you covered. Our leadership team is dedicated to fostering trust and transparency. Under the guidance of CEO Brian Dorcy and Board President Donna Rhody, Excite is not just about numbers; it's about building lasting relationships with our members. We are proud to employ 115 staff members, all committed to providing exceptional service tailored to your needs. While you're here exploring your options with us at Excite, feel free to reach out via phone at 800-232-8669 for any inquiries or assistance. For official correspondence, please use our mailing address: 265 Curtner Ave, San Jose, CA 95125, which is the same as our branch address. Join us today and discover how we can help you achieve financial success together! Visit our website at excitecu.org for more information on membership benefits and services. Your journey toward financial empowerment starts here!

Branch History & Mission

Welcome to Excite, a cornerstone of the San Jose community since 1952. Located at 265 Curtner Ave, San Jose, CA 95125, our branch has been dedicated to providing exceptional financial services and support to our members for over seven decades. With a rich history rooted in community values, Excite has grown alongside its members, evolving to meet their needs and aspirations. From our humble beginnings, we have expanded significantly. Today, we proudly serve a membership of over 46,000 individuals. Our total assets have reached an impressive $653,383,325, enabling us to offer a wide range of products and services designed for personal and business success. Whether it's auto loans, mortgages, or online banking solutions, we strive to empower our members with the tools they need for financial stability. At Excite, our mission is clear: We are committed to enhancing the financial well-being of our members while fostering a supportive community environment. We believe that everyone deserves access to quality financial services that can help them achieve their goals. Our team works tirelessly to provide personalized service and innovative solutions tailored to each member's unique situation. Our branch features convenient operating hours Monday through Friday from 9 am to 6 pm and Saturday from 9 am to 2 pm making it easier for you to visit us when it suits your schedule. For those on the go, we offer ATM availability and drive-thru banking options for quick transactions without leaving your vehicle. While members can visit us at our main location, official correspondence should be sent to our mailing address at 265 Curtner Ave, San Jose, CA 95125. This ensures that all communications are handled promptly and efficiently. Excite is not just about banking; it's about building relationships within our community. Through various outreach efforts and partnerships with local organizations, we actively support initiatives that uplift those around us. We are proud of our shared service center availability, allowing us to extend our reach even further for those who need it most. We invite you to join Excite today! Experience firsthand how we can make a positive impact on your financial journey and become part of a community that truly cares. To learn more about membership benefits or to open an account online, visit us at excitecu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Excite, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, making it easy for everyone to access our services without any hassle. Plus, we have ample parking available for those who drive here.

Call to Action

Ready to experience convenient banking? Visit us at Excite today or give us a call at 800-232-8669! We're excited to serve you and help you achieve your financial goals!

Operating Hours

We're here for you Monday through Friday from 9 AM to 6 PM and on Saturdays from 9 AM to 2 PM. Whether you're coming in for a quick transaction or need assistance with your accounts, our welcoming staff is ready to help during these hours.

Services Offered

At Excite, we offer a variety of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. Our drive-thru service allows for quick deposits and withdrawals without leaving your vehicle ideal for busy days! For those who prefer digital banking solutions, we provide online and mobile banking options that let you manage your finances anytime, anywhere. And if you're a member of another credit union, take advantage of our shared service center for basic transactions.

Member Eligibility

At Excite, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is easy and welcoming if you live, work, or attend school in the area, you're likely eligible! Our commitment is to provide valuable financial services tailored to your needs, whether you're looking for savings accounts, loans, or credit options. To learn more about specific eligibility criteria and ensure you meet all the requirements, please check out our detailed guide at http://www.excitecu.org/benefits-resources/benefits-of-membership/membership-benefits. Opening an account with us is straightforward! You can start your membership journey by visiting us at 265 Curtner Ave San Jose Ca 95125 or calling us at (800) 232-8669 for assistance. If you'd prefer to apply online, simply follow this link: https://app.loanspq.com/apply.aspx?lenderref=alliancecu072715&list=ccvlcbheplblst. We can't wait to welcome you into the Excite family!

Business Banking & Commercial Services

At Excite, we understand that every business has unique needs and dreams. Whether you're just starting out or looking to expand, our business banking and commercial services can provide the support you need to thrive. Imagine securing a loan that helps you purchase new equipment, hire additional staff, or open a new location. With our commitment to supporting businesses, we've funded over $7 in commercial loans for our members, helping them scale and succeed. We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. But our services go beyond just lending. Picture this: a seamless payment process that lets your customers pay quickly and easily. Our merchant services simplify transactions so you can focus on what matters most growing your business. With an outstanding commercial loan portfolio of $249,877, we continue to drive economic growth by financing new and expanding businesses. Located at 265 Curtner Ave San Jose Ca 95125 in San Jose, CA, we're here to partner with you on your journey to success. Contact us today at (800) 232-8669 to learn more about how we can help your business flourish!

Comprehensive List Of Services

Business Banking

For small business owners, we provide specialized services through our Business Banking offerings. From Merchant Services that make accepting payments easier, to tailored Business Loans, we understand the unique challenges businesses face and are committed to helping you succeed.

Digital Convenience

In today's fast-paced world, convenience matters. That's why at Curtner, we offer comprehensive Online & Mobile Banking solutions. With features like mobile payments, online banking, and person-to-person transfers, managing your finances has never been simpler or more secure. You can also access cash easily through our ATM & Cash Withdrawal Services available at various locations. For those who prefer personal service, we have a friendly drive-thru setup for quick deposits and withdrawals.

Loans and Credit Solutions

Life can be unpredictable, which is why having access to flexible funding options is important. Our Personal Loans & Debt Consolidation services can assist you in managing unexpected expenses or consolidating debt into one manageable payment. Plus, with our Credit Cards with Rewards, you can earn benefits on everyday purchases while enjoying the convenience of cashless transactions.

Personal Banking

For individuals and families, we offer Personal Banking solutions that include checking and savings accounts tailored to fit various lifestyles. Need a reliable way to manage your day-to-day expenses? Our checking accounts provide easy access to your funds while our savings accounts help you grow your savings over time. When it comes to financing your next vehicle, look no further than our Auto Loans & Vehicle Financing options. We work with you to find competitive rates that make purchasing a car more affordable. If you're considering homeownership or refinancing your current mortgage, our Mortgage Loans & Refinancing services can guide you through the process, making it straightforward and stress-free.

Shared Branching

If you're traveling or need assistance outside of regular hours, take advantage of our Basic Shared Branch Transactions, which allow partner credit union members to perform deposits and withdrawals seamlessly across different locations. At Excite, we believe in providing accessible financial solutions that enhance your banking experience. Our dedicated staff is always ready to assist you with any questions or concerns you may have. Ready to explore how Excite can serve your financial needs? Visit us at 265 Curtner Ave San Jose Ca 95125 in San Jose, CA, or give us a call at (800) 232-8669 today!

Digital & Online Banking

E-Statements and Mobile Payments

Gone are the days of waiting for paper statements in the mail! With our e-statements availability, you can view and download your financial documents securely online whenever you need them. This not only saves time but also helps reduce clutter. For those who love to shop using their phones, our mobile payments feature lets you make purchases quickly and securely. Whether you're buying groceries or dining out, paying has never been easier! At Excite, we strive to provide accessible and user-friendly banking solutions tailored just for you. Experience the ease of modern banking today!

Key Features

Our online banking platform empowers you with real-time account management. You can check your balances, view transaction history, and transfer funds all from the comfort of your home or on the go. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick, so you can share expenses without hassle. Security is a top priority at Excite. We use electronic signature authorization, ensuring that your transactions are protected. Plus, our mobile application allows you to manage your accounts right from your smartphone, adding an extra layer of convenience to your banking experience.

Financial Strength

At Excite, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to building trust through transparency and delivering reliable services that meet your needs. 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. 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. 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 evident with $7,289 in used auto loans and $481,306,411 in total loans and leases, supporting members' financial goals across various sectors. 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 stand at 84,030, showing a strong and growing member base that trusts us with their finances. This trust is the backbone of our community-focused approach at Excite, where your financial well-being is our priority. 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 265 Curtner Ave San Jose Ca 95125 or call (800) 232-8669 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued over $134,769,431 in used vehicle loans and $60,642,573 in new vehicle loans, helping members get on the road without breaking the bank. Whether you're interested in financing a brand-new model or a reliable used vehicle, we can assist with competitive rates and flexible terms.

Credit Lines and Unsecured Loans

For those needing extra cash for everyday expenses or unexpected costs, we provide credit lines with a total of $150,141,539 available. Additionally, we offer flexible terms on unsecured credit card loans; currently totaling $22,854,274, these loans help our members manage their finances effectively without needing collateral. For business owners seeking growth opportunities, our outstanding commercial loans amounting to $249,877 are designed to provide the capital necessary for expansion. If you're considering refinancing options or would like to learn about eligibility requirements for any of our products, please don't hesitate to reach out. You can contact us at 800-232-8669 during our operating hours: Monday-Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. 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, we believe in empowering our members with the right tools and resources for their financial journey. Let us help you find the perfect loan solution today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $47,692,367. We make buying or refinancing simple so that you can take this important step towards stability and investment for your future.

Loan Aggregator

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Excite