2024 Overview
General Credit Union Information
Excite is an NCUA insured institution located in San Jose, CA. It was founded in 1952 and has approximately $702.66 millions in assets.
Who can join?
Meet any of the four following criteria, and you're eligible for membership in Alliance Credit Union.
1. Anyone who lives, works, worships or attends school in the counties of Santa Clara, San Mateo and Alameda in California; and New Hanover, Pender or Brunswick counties in North Carolina.
2. You're an employee of the 400+ companies we serve. To find out if your company offers Alliance membership, contact your Personnel Department or call us at 408.445.3386 or 800.232.8669.
3. You're a family member of an existing member. Family member is defined as: spouse, child, sibling, parent, parent-in-law, grandparent, grandchild, stepchildren, stepparents, stepsiblings, adopted children, foster children, brother or sister in-laws, aunts, uncles, aunt-in-law, uncle-in-law, niece, nephew or cousin.
4. As an existing member, any person who shares your residence and who helps maintain a single economic unit is also eligible for Alliance membership. For example, this could mean two people sharing an apartment.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68441 |
| Date Established | 1952 |
| Assets | $702.66 million |
| Loans | $519.88 million |
| Deposits | $571.53 million |
| Capital | $59.08 million |
Field of Membership Restrictions
Membership in Alliance Credit Union is open to those who live, work, attend school or worship in Alameda, San Mateo, and Santa Clara Counties in California or in Brunswick, New Hanover, and Pender Counties in North Carolina. Membership is also open to employees of Brunswick County, Cape Fear Hospital and over 400 Select Employer Groups.
Deposit Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.30% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.30% | $100,000 | $199,999 |
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|
Loan Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Excite
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1429043 License#: RM.804500.000 |
6.908% | 6.750% | 0.63 | $5,200 | $2,076 | Learn More |
NMLS ID: 401822 |
6.932% | 6.750% | 0.88 | $6,000 | $2,076 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Excite
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Branches
Below are Excite branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
EXCITE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Excite Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Excite. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Excite | U.S. Average |
|---|---|
| 10.61% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Excite had $5,711,841 in non-current loans and $828,649 in owned assets. To cover these potential losses it had $59,076,941 in net worth and $2,594,129 in loans loss reserves. That gives it a Texas Ratio of 10.61%.
Net Worth
| Excite | U.S. Average |
|---|---|
| 8.4% | 13.62% |
Excite FCU has a net worth of 8.4% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Excite
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