Membership Benefits

Call ‘em perks, call ‘em benefits. Either way, when you’re a Member, they’re yours.

We’re a credit union, not a bank. What’s the difference? Credit unions are owned by the Members, not a bunch of faceless shareholders. The products we offer and the service we provide are founded with the idea that people matter most. We are the Community’s Credit Union!

According to the Credit Union National Association (CUNA), we provided $7,363,709 in direct financial benefits to our members last year!  Learn More

Access to Local Experts, Lower Rates/Fees & Better Savings, Full-service Digital Banking, and Commitment to the Community - We think being a Member of Excite Credit Union is a step above. But it doesn’t end there!

  • Online Services:  Zelle®, Mobile Deposit, Mobile Wallets, Credit Score Monitoring & Alerts, Online Bill Payment, eStatements, Money Management & Budgeting Tools 
  • Branch Services:  Local Financial Experts, Notary Services1, Card Cash Advance, Courtesy Pay, Cashier’s Check
  • Shared Branching, More than 30k ATMs, 24x7 Call Center Support.

  • Get paid up to 2 days early with direct deposit2
  • Go Checking No Cost and Dividend Accounts Available
  • No annual fee Credit Cards with great reward options (cashback & travel)
  • Auto & Personal Loan Skip Payment Available, we’ve got your back
  • Youth Savings - $50 opening bonus perks
  • Local Financial Advisors
  • Go Business Checking No Cost and Dividend Accounts Available
  • Business Online Banking designed for Small Businesses
  • Business Solutions:
    • Merchant Services
    • HR & Payroll Services
    • LLC & Corporation Registration Services

Get great discounts when you use your card at select retailers

Enjoy discounts at movie theaters, sporting events, theme parks, amusement parks, museums, plays and more. Click below to sign up and get started by clicking on the “Become a Member” button and clicking on company code. Use ExciteCU

Sign up for free

Enjoy discounts at the Excite Ballpark and a San Jose Giants game. Excite Members will receive 10% off food, drinks and tickets when showing your Excite Credit Union Debit Card. Check out the schedule!

  • TURBOTAX: Members can save up to 20% on TurboTax federal products. Get Started
  • H&R BLOCK: New and returning clients save up to $25 on H&R Block in-office tax prep services. Get Coupon

Being a Member of Excite, is more than just banking; you make a difference in the community

Opportunity to support Children’s Savings Programs

We give everyone the chance to build a financially stronger future
We design products to save you more money, and we’re owned by our Members.

You are eligible for membership if:
  • You live, work, worship, or attend school in Santa Clara, San Mateo, Alameda, Santa Cruz, Monterey and San Francisco counties in California or Brunswick, New Hanover and Pender counties in North Carolina.
  • You are a Member of or employed by one of our partner organizations or businesses. 
  • You have a family member, domestic partner, or roommate that is a member of Excite. 
  • Membership in Excite Credit Union requires a deposit of one share in the membership account which must remain on deposit until membership is terminated. Par value of a credit union share is $5.

Get in touch! You can call us at 800.232.8669.

Monday through Friday from 6 am to 5 pm and Saturdays from 6 am to 2 pm PT.

You can also wander around our website to get to know us and what we offer.


Join our community

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.