Good Experience!!!
Good Experience!!!

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.
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.
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.
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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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