Ditch the cookie jar and step up to better
Better rates lead to more groceries (and cookies)
We know you're not looking for some sort of storage facility for your savings. You've come to us because you heard we're good at helping people grow their money. You heard right. We do everything possible to offer great rates on our Share Accounts, Share Certificates, Money Markets and IRAs. The bottom line is that you get considerably more out of your Excite Credit Union account than what you put into it.
Share Rates
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| Go Savings and Extra Savings | ||
| $0.01 - $24,999.99 | 0.05% | 0.05% |
| $25,000.00+ | 0.05% | 0.05% |
| IRA Share | ||
| $0.01 - $24,999.99 | 0.20% | 0.20% |
| $25,000+ | 0.20% | 0.20% |
| Youth Savings | ||
| $0.01 - $2,500 | 0.50% | 0.50% |
| $2,500+ | 0.10% | 0.10% |
*APY=Annual Percentage Yield
NOTE: For NEW members who open a Go Savings, a bonus dividend rate is paid on the first $2,500 balance in the account for the first 12 months beginning on the date the account is opened. For example, accounts opened in March will earn the bonus dividend from the date the account is opened through March of the following year. Go Savings Bonus Rate is 4.88% and APY is 5.0%.
Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
Go Checking Rates
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| Premium Rate | ||
| $0.01 - $20,000.00 | 1.00% | 0.99% |
| Standard Rate | ||
| 20,000.00+ | 0.10% | 0.10% |
*APY=Annual Percentage Yield. The dividend period is monthly. The Daily Balance method is used to calculate dividends on the account. This method applies a daily periodic rate to the principal in the account each day. Dividends begin to accrue on the business day you make a deposit. Dividends are compounded daily and posted monthly on the last day of the month.
Please note: Payment of dividends requires the account to have 6 posted debit card transactions and receive a minimum direct deposit of $500 into the Go Checking per statement period and be set up for eStatements.
Dividend Checking Rates
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| Premium Rate | ||
| $0.01 - $15,000.00 | 0.50% | 0.50% |
| Standard Rate | ||
| $15,000.01 + | 0.20% | 0.20% |
Please note, this product is no longer offered. Please see details for our Go Checking account.
Dividends will be compounded monthly and credited monthly. For our Dividend Checking Account the dividend period is monthly.
Dividends are calculated using the Average Daily Balance method. If you close your account before dividends are credited you will forfeit dividends that have accrued but not yet been paid. Dividend Rates and APY are variable, projected, and subject to change.
There are two tiers of dividends paid on the Dividend Checking Account, the Premium Rate and the Standard Rate. The Premium Rate will be paid on balances up to $15,000 provided the account is set up for eStatements and has 12 or more posted debit card transactions within the calendar month. The Standard Rate will be paid on balances over $15,000 or on the entire balance if the account does not meet the eStatements and 12 monthly posted debit card transaction requirements.
Your savings insured to $250,000 by the National Credit Union Administration(NCUA), a U.S. Government Agency.
Voltage Save & Spend
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| Tier 1 | ||
| $0.01 to $250,000 | 2.25% | 2.225% |
| Tier 2 | ||
| balances over $250,000 | .50% | .50% |
Payment of dividends requires the account to be set up for eStatements and maintain an Average Daily Balance of $20,000 in the Voltage Save and Spend per statement period. Both qualification criteria are required to be met to earn the stated Dividend Rate and APY. If both qualification criteria are not met no Dividend will be paid. The Voltage Save and Spend dividend rate may change after account is opened and is subject to change at any time. The Daily Balance method is used to calculate dividends on the account. This method applies a daily periodic rate to the principal in the account each day. Dividends begin to accrue on the business day you make a deposit. Dividends are compounded daily and posted monthly on the last day of the month to account that meet qualifications criteria. Please note the minimum opening balance is $2,500. Limit one Voltage Save and Spend Account per membership.
Money Market Accounts
| Deposit Range | APY* | Dividend Rate |
|---|---|---|
| $0.01 - $49,999.99 | 0.10% | 0.10% |
| $50,000.00 - $99,999.99 | 0.20% | 0.20% |
| $100,000.00 - $199,999.00 | 0.25% | 0.25% |
| $200,000.00+ | 0.30% | 0.30% |
*APY=Annual Percentage Yield
NOTE: Money Market accounts require a $2,500 minimum opening deposit, but can be maintained with a lower balance.
Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency.
Share Certificates
| Term | APY* | Dividend Rate | Minimum Deposit |
|---|---|---|---|
| 6 Month | 3.20% | 3.15% | $500 |
| 6 Month PROMOTIONAL RATE - New Money Only** | 3.70% | 3.64% | $500 |
| 12 Month | 3.10% | 3.055% | $500 |
| 12 Month PROMOTIONAL RATE - New Money Only** | 3.60% | 3.545% | $500 |
| 24 Month | 2.90% | 2.865% | $500 |
| 24 Month PROMOTIONAL RATE - New Money Only** | 3.40% | 3.35% | $500 |
| 36 Month | 2.75% | 2.72% | $500 |
| 48 Month | 2.75% | 2.72% | $500 |
| 60 Month | 2.75% | 2.72% | $500 |
*APY = Annual Percentage Yield.
**New money only. You must bring funds to Excite from another financial institution to qualify for this promotion. Promotional certificates are offered for limited time periods and may be ended or modified at any time without prior notice. Promotional certificates may not be available in all markets.
If auto-renewal is selected, promotional rate certificates will renew as a standard rate certificate for the same term as the promotional rate certificate. For example, at the end of the initial term when auto-renew is selected a 12- month promotional certificate will automatically renew for an additional 12 months at the standard 12-month dividend rate offered at the time of the renewal.
Promotional certificates offering multiple rates during the term will have a blended annual percentage yield (APY) for the month in which a dividend rate change occurred. The blended rate will be a combination of the rate before and after the rate increase or decrease.
NOTE: Early withdrawal penalties apply. Offer subject to change without notice.
Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency
IRA (Individual Retirement Account) Certificate
| Term | APY* | Dividend Rate | Minimum Deposit |
|---|---|---|---|
| 6 Month | 3.20% | 3.15% | $500 |
| 6 Month PROMOTIONAL RATE - New Money Only** | 3.70% | 3.64% | $500 |
| 12 Month | 3.10% | 3.055% | $500 |
| 12 Month PROMOTIONAL RATE - New Money Only** | 3.60% | 3.545% | $500 |
| 24 Month | 2.90% | 2.865% | $500 |
| 24 Month PROMOTIONAL RATE - New Money Only** | 3.40% | 3.35% | $500 |
| 36 Month | 2.75% | 2.72% | $500 |
| 48 Month | 2.75% | 2.72% | $500 |
| 60 Month | 2.75% | 2.72% | $500 |
*APY = Annual Percentage Yield.
**New money only. You must bring funds to Excite from another financial institution to qualify for this promotion. Promotional certificates are offered for limited time periods and may be ended or modified at any time without prior notice. Promotional certificates may not be available in all markets.
If auto-renewal is selected, promotional rate certificates will renew as a standard rate certificate for the same term as the promotional rate certificate. For example, at the end of the initial term when auto-renew is selected a 12- month promotional certificate will automatically renew for an additional 12 months at the standard 12-month dividend rate offered at the time of the renewal.
Promotional certificates offering multiple rates during the term will have a blended annual percentage yield (APY) for the month in which a dividend rate change occurred. The blended rate will be a combination of the rate before and after the rate increase or decrease.
NOTE: Early withdrawal penalties apply. Offer subject to change without notice.
Your savings insured to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency
Legal Disclosures
These rates are current as of today, but are subject to change at any time.
PAYMENT OF DIVIDENDS FOR ALL ACCOUNTS
Dividends are paid at the end of the applicable dividend period and are only paid out of current income and available earnings after required transfers to reserves. Dividends are regularly declared by the Board of Directors and are subject to change at any time. Credit Union bylaws permit a delay of up to 60 days for withdrawal of shares.