About
Excite Credit Union is a not-for-profit financial institution that provides a variety of financial products and services to its members. The credit union was founded in 1952 as the Lockheed Missile Employees Federal Credit Union and later changed its name to Xceed Financial Credit Union. In 2021, the credit union rebranded as Excite Credit Union to better reflect its commitment to empowering members to achieve their financial goals and dreams.
Excite Credit Union is headquartered in San Jose, California, and has branch locations throughout California and New York. The credit union serves more than 50,000 members and manages over $1 billion in assets. Excite Credit Union is a member-owned cooperative and is governed by a volunteer board of directors who are elected by the membership.
Excite Credit Union is committed to providing its members with innovative financial solutions and personalized service. The credit union offers a wide range of financial products and services, including checking and savings accounts, loans, credit cards, insurance, and investment services. Excite Credit Union also offers online and mobile banking services, making it easy and convenient for members to manage their finances from anywhere. Additionally, the credit union is dedicated to giving back to the community and supports various charitable organizations and events.
Requirements
xcite Credit Union offers membership to individuals and families who live, work, worship, or attend school in certain areas in California. Additionally, membership is open to employees of select employer groups and organizations. Prospective members can check their eligibility and apply for membership on the credit union's website. To open an account, members need to provide identification documents such as a driver's license or passport, proof of address, and a social security number.
Products and Services
Excite Credit Union offers a range of financial products and services to its members, including:
- Checking accounts. Excite offers various types of checking accounts such as basic checking, interest checking, and student checking with benefits like no monthly fees, no minimum balance requirements, and free online and mobile banking.
- Savings accounts. Excite offers several savings accounts, including regular savings, youth savings, and a money market account. These accounts offer competitive interest rates and easy access to funds.
- Certificates of deposit (CDs). Excite offers CDs with terms ranging from three months to five years, and offers competitive rates with fixed returns.
- Loans. Excite provides various types of loan products, such as auto loans, personal loans, home loans, and credit cards, with competitive rates and flexible repayment options.
- Investment services. Excite offers investment services through its subsidiary, CUSO Financial Services. These services include financial planning, retirement planning, and investment management.
- Business services. Excite offers a range of business services, including checking and savings accounts, loans, and merchant services.
- Other services. Excite also offers other services such as overdraft protection, direct deposit, and wire transfers.
Overall, Excite Credit Union offers a wide range of financial products and services to its members, with a focus on competitive rates, low fees, and personalized service.
Access on the Go
Excite Credit Union offers a variety of online and mobile banking services to its members, allowing them to manage their accounts on the go. Some of the features of Excite Credit Union's online and mobile banking services include:
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Mobile banking app. Excite Credit Union's mobile app allows members to check account balances, transfer funds, pay bills, and deposit checks using their smartphone or tablet.
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Online banking. Members can access their accounts online using a computer, allowing them to view account balances, transfer funds, and pay bills.
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Text banking. Excite Credit Union offers text banking services, which allow members to check account balances, view recent transactions, and receive alerts via text message.
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E-statements. Members can sign up for electronic statements, which are delivered securely through online banking and provide a convenient and environmentally-friendly alternative to paper statements.
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Card controls. Excite Credit Union's mobile app allows members to control and monitor their debit and credit cards, including setting spending limits, receiving alerts for certain transactions, and turning cards on or off.
Overall, Excite Credit Union's online and mobile banking services provide members with convenient and secure access to their accounts from anywhere at any time.
Which associations the Excite Credit Union belongs to?
Excite Credit Union is a member of several credit union associations, including:
- Credit Union National Association (CUNA)
- California Credit Union League (CCUL)
- Silicon Valley Leadership Group
- Santa Clara Chamber of Commerce
These associations provide resources and support to credit unions, as well as advocate for the credit union movement on a local, state, and national level.
