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.
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!
Nalmal for sure have to much time to talk
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.
Friendly and helpful in opening a new account
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.
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
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
We worked with Excite recently and have to say that I am very impressed with how fast the team is and how approachable everyone is. They made our entire experience very smooth. I strongly recommend Excite to everyone whether you are looking for a loan or a savings account. Keep it up Excite team!
I use the branch on blossem hill road , polite , frendly , the only people i trust to manage and keep my money safe , now my who family banks at excite , no hassle banking
Karen was very helpful in assisting me on my auto loan . She gave me the approval and all the requirements right away. We completed my auto loan in a couple of days. I just hope that for next time, I can sign everything online since I live all the way in Alameda County. I appreciate Karen a lot for walking me thru the process. Thanks again, Evelyn
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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