Excite Credit Union is a financial cooperative that offers a range of banking solutions to its members in California and North Carolina. With branches located in San Jose, CA, and Wilmington, NC, the credit union provides services such as savings accounts, checking accounts, and various loan options, including low-rate home equity lines of credit and personal loans. Excite Credit Union aims to support individuals and families seeking affordable financial products and services tailored to their needs. The company focuses on community engagement, emphasizing member satisfaction and financial education. Excite Credit Union also offers online and mobile banking services, allowing members to manage their accounts conveniently and securely. With competitive rates and personalized service, Excite Credit Union strives to be a trusted partner for its members' financial journeys.
Excite Credit Union receives a mix of feedback from its customers, with many praising the helpful and friendly staff, as well as the ease of account setup and loan processes. Reviewers frequently highlight positive experiences, noting that employees like Thu and LaQuandra Phillips provide exceptional service, making complex situations easier to navigate.
However, there are significant complaints regarding account management, including issues with debit card replacements and payment reporting. Some customers express frustration over unnecessary holds on checks and the denial of account applications without clear explanations. While many enjoy their interactions and the services offered, the negative experiences related to account handling and customer service inconsistencies cannot be overlooked.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.1 | 60 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Oct 2024.
| Month | Average | Reviews |
|---|---|---|
| Dec 23 | 3.0 | 1 |
| Jan 24 | — | 0 |
| Feb 24 | — | 0 |
| Mar 24 | — | 0 |
| Apr 24 | — | 0 |
| May 24 | — | 0 |
| Jun 24 | — | 0 |
| Jul 24 | — | 0 |
| Aug 24 | 1.0 | 1 |
| Sep 24 | — | 0 |
| Oct 24 | 2.0 | 2 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“The young lady was so very kind to me and very knowledgeable of the system”
“All told, it’s taken over 2+ hours of my time to meet their process for paying off the account”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.1 out of 5 (good) | 100 out of 100 | 4.3 out of 5 (good) | 2.9 out of 5 (fair) | — | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | — | 1,060 |
Bottom line: Excite Credit Union is #5 of 5 on overall rating in this group. On website & app, JustCover Travel Insurance scores higher (4.7 vs 2.9).
60 reviews of Excite Credit Union. Filter by what matters to you.
Over a year ago
I’ve had the worst experience with this credit union and would never do business with them again. I used them for a car loan and knew I would be paying it off as quickly as possible due to incredibly... See more
Over a year ago
Awful bank, awful experience. They have shut down my debit card more times than I can count. I've gone through about 5 different cards here because replacing your card is easier than dealing with the... See more
Over a year ago
They regularly put holds on my checks, but not my husband's, even though both accounts are in both of our names, and they can't explain why the different treatment, making me feel this is sexism in ba... See more
Quick answers to the questions people ask most.
Excite Credit Union is a legitimate financial institution with numerous customer reviews reflecting a mix of experiences. They have received both positive feedback for their friendly service and negative comments regarding account management.
While many customers have reported positive experiences, some reviews indicate concerns over account handling and customer support. It’s advisable to review verified feedback to assess safety based on personal needs.
Excite Credit Union offers various financial products including car loans, checking accounts, and customer support for banking services. Many reviews highlight their helpful staff and ease of setting up accounts.
Excite Credit Union accepts payments through checking accounts and possibly other methods, though some customers have reported issues with payment processing and crediting.
Customer complaints vary, with some users expressing dissatisfaction with service consistency. However, many reviews commend individual staff members for their helpfulness and ability to resolve issues effectively.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
I’ve had the worst experience with this credit union and would never do business with them again. I used them for a car loan and knew I would be paying it off as quickly as possible due to incredibly high interest rates. When it came time to do so they made me jump through innumerable hoops and I kept meeting roadblocks through their entire process. Customer service is a revolving door of people who don’t really care that their “client” is experiencing issues through no fault of mine and I received rude and unprofessional treatment from more than one customer service reps. All told, it’s taken over 2+ hours of my time to meet their process for paying off the account. Please note that they don’t honor payoff amounts when the fault of the processing time is because of their systems. “It’s not our fault” said a customer service rep. rudely. Terrible customer service from people who don’t care and create problems instead of trying to help solve them. I truly think they may train their employees to make it as difficult as possible to pay off loans. I may complain directly to the CFPB because of the handling of my account.
Awful bank, awful experience. They have shut down my debit card more times than I can count. I've gone through about 5 different cards here because replacing your card is easier than dealing with the 2 hour call you'll be on hold for most of. If you leave that 2 hour call at any point they fully shut down your card so get cozy. If you want to buy something they don't want you to, they will shut your card down. Even if you get it amended and try to make the same purchase they will keep shutting it down after every attempt. I've told them I donate to an online streamer from the UK and still they shut it down after every single donation. I've told them not to shut down my card for international transactions and a week later I'm in Spain with no access to my money. I told them through the app I was in Spain and they deleted the ticket I submitted without a response after a few days. That was kind of the last straw and felt outright malicious knowing a real person at ExciteCU saw I was stranded in Spain without my card and decided to delete my appeal without response. The ExciteCU staff do not seem to care for or respect the individual at all. I will never use this bank again, good riddance.
They regularly put holds on my checks, but not my husband's, even though both accounts are in both of our names, and they can't explain why the different treatment, making me feel this is sexism in banking. They even put a hold on a cashier's check from another local credit union (Star)! They kept me on hold for half an hour when I asked why, and still couldn't come up with an answer because they were "having trouble pulling up the check image." I still don't have an answer, over an hour later. The only reasons I have not given them a lower rating is that much of their competition is worse, and they DID give me a personal loan once when I really needed it. They have also sent incompetent appraisers to our home before, and we had to pay for a separate new appraisal with a different company to prove our house was worth what we had thought.
The young lady was so very kind to me and very knowledgeable of the system. I couldn't get in and she stayed with me a very long time until she had me in. My only suggestion is that you continue to hire people like Thu. She makes your company great!
sorry ass UP WEB SITE
I have excite for my car loan. I made my payment with a checking account and they reported my payment as 30 days late because they don’t give you credit for your payment until the payment clears. The payment cleared never had any returns. When I called to complain they told me to dispute it with the credit bureau and they would update it. Did exactly what they said just for them to mark the late payment as accurate. They also lock you out of the online portal to make payments. I have never dealt with a company that had such underhanded practices. Stay away from this company.
Nalmal for sure have to much time to talk
One of the worst credit unions. stay away from opening an account here. They will ask for all documents and finally deny the application on absurd grounds.
Always friendly. Easy setup on my new account. Direct deposit is one day earlier than payday. Very great credit union. Thanks for all you do
Friendly and helpful in opening a new account
Everything you guys offer all the programs services all the employees are super nice and they know what they’re doing
Excite is not a credit union focused on the needs of East San Jose.
My father was in the hospital, and we needed help with his account. LaQuandra Phillips was knowledgeable and empathetic as she walked us through our options. Then, when I needed additional help the following week, she remembered me and promptly addressed all my questions. I could not have asked for better service. LaQuandra made a difficult situation easy.
Staff is always kinda and polite, very helpful and very clean inside
I had an amazing experience with Verenice Arreola. She was helpful, knowledgeable and understanding. She went above and beyond to help us with our car loan. She was always available and returned our calls in a promptly matter. Is she’s not a manager she should be or get a ride. Thank you for a great experience. -Alex Zuniga
We had a great experience working with Excite credit Union and with Gary Pate, he was very helpful and informative through the whole process of buying our new home.
Great Customer service!!! Able to explain every question we had on the accounts and Wire transfers. We were very satisfied with all our questions Answered. Thank you Virginia And Lillian Villarreal
Excite Credit Union is a financial cooperative that offers a range of banking solutions to its members in California and North Carolina. With branches located in San Jose, CA, and Wilmington, NC, the credit union provides services such as savings accounts, checking accounts, and various loan options, including low-rate home equity lines of credit and personal loans. Excite Credit Union aims to support individuals and families seeking affordable financial products and services tailored to their needs. The company focuses on community engagement, emphasizing member satisfaction and financial education. Excite Credit Union also offers online and mobile banking services, allowing members to manage their accounts conveniently and securely. With competitive rates and personalized service, Excite Credit Union strives to be a trusted partner for its members' financial journeys.
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