Our Purpose - We give everyone the chance to build a financially stronger future, so together we can build a stronger community.
Accepting Juntos Avanzamos designation

Why We Serve

  • Member-owned cooperative
  • Not-for-profit 501(c)(14) financial institution
  • Belief in equitable financial access and inclusion
  • Unique designations: CDFI, LICU, Juntos Avanzamos

Who We Support

  • All individuals who live, work, worship or study in the following counties:
    • NC – Brunswick, New Hanover, Pender
    • CA – Alameda, Monterey, San Francisco, San Mateo, Santa Clara, Santa Cruz
  • Non-profit 501(c)(3) organizations
  • Low to moderate income households
  • Small business owners and entrepreneurs
  • Foster youth and non-minor dependents
  • Immigrants and ITIN users
Staff Volunteering at RAFT

How We Contribute

  • Volunteerism throughout the community
  • Partnerships and donations to local non-profits
  • Culturally-relevant and responsive support
  • Excite Foundation, a 501(c)(3) organization

What We Offer

  • Financial literacy workshops
  • Unique accounts for youth savings
  • Financial coaching and online resources
  • A second chance for those who need it
  • ITIN lending on the same conditions as SSN users

Where to Find Us

In addition to our branches, you’ll find our friendly team throughout the community.

North Carolina California
  • California Branches
  • Mexican Consulate in San Jose – Mondays & Fridays, 10 am – 1 pm
  • San Jose Giants Games – April to October
  • Santa Clara County Fair
  • Christmas in the Park - Black Friday; Fridays in December, 5:00 - 8:00 pm


Financial Literacy

We offer online and in-person workshops on the topics below.

  • Our Relationship to Money
  • Banks, Credit Unions & Alternative Services
  • Scams & Fraud
  • Saving & Budgeting
  • Credit
  • Employment Tax Forms
  • Child Savings Accounts
To schedule a group presentation, please email

Financial Coaching

Receive individualized advising through our non-profit partner BALANCE.
  • Coaching is free for Excite members and non-profit affiliates.
  • Learn more about finances through their webinars, articles and videos.
  • Advising topics include: creating a budget, managing debt, credit report review, home ownership education, identify theft solutions and more.

Excite Foundation

A 501(c)(3) non-profit organization 
  • Children’s Savings Programs
  • Promoting the CA state program CalKIDS
  • Natural disaster relief

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.