7 Shocking Reasons Excite Credit Union Was Voted 'Best' In Silicon Valley For 2025

Excite Credit Union continues to solidify its position as a top-tier financial institution, with the latest news in December 2025 confirming its dominance in the California market and beyond. The credit union was recently honored as the 'Best Credit Union in Silicon Valley' for the second consecutive year, a testament to its commitment to member-focused service and highly competitive financial products. This deep-dive article explores the full profile, the specific reasons behind its 2025 success, and the unique financial offerings that set it apart from traditional banks.

Founded on the principle of ‘people helping people’ nearly 75 years ago, Excite Credit Union—formerly known as Alliance Credit Union—operates with a refreshing model that prioritizes community and member financial health. With total assets exceeding $700 million, the institution provides a powerful combination of large-bank stability and local credit union personalization, serving members across multiple counties in California and North Carolina. From a market-leading 5.00% APY savings account for new members to comprehensive wealth management services, Excite CU is a major player in the modern credit union landscape.

The Complete Profile of Excite Credit Union

Excite Credit Union's history and leadership provide a strong foundation for its current success. The institution has evolved significantly since its founding, culminating in a strategic rebrand that better reflects its modern, member-focused approach.

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• Previous Name: Alliance Credit Union
• Founding Year: 1952 (as Alliance Credit Union)
• Rebrand Date: October 2019 (to Excite Credit Union)
• Headquarters/Corporate Office: 151 Bernal Road, San Jose, CA 95119
• Key Branch Locations: San Jose, CA and Wilmington, NC
• President and CEO: Brian J. Dorcy (Serving since 2010)
• Total Assets: Over $700 Million (as of 2023)
• Routing Number: 321176804
• Mission: People helping people

Why Excite Credit Union Was Voted 'Best' in Silicon Valley (2025)

The 2025 award for 'Best Credit Union in Silicon Valley' is not a fluke; it reflects a deliberate strategy of offering exceptional value and service. The following points detail the core reasons Excite CU continues to earn top honors from its members and the community.

1. Market-Leading Savings Rates and Incentives

In a competitive financial environment, Excite CU stands out by offering rates that are often unattainable at large commercial banks. The most compelling offer for new members is the Go Savings Account, which provides a bonus dividend rate of 5.00% APY on the first $2,500 balance for the first 12 months. This is a powerful incentive for individuals looking to maximize their initial savings. Furthermore, their Share Certificates (CDs) offer competitive APY rates, such as 3.95% for a 24-month business share certificate, allowing members to lock in earnings before potential rate drops.

2. Commitment to Community and Financial Literacy

Excite Credit Union’s dedication extends beyond simple transactions. The Excite Foundation is a key entity, primarily focusing on Children’s Savings programs and providing support for disaster relief when needed. This community-first approach resonates strongly with members, reinforcing the credit union model of local support. Additionally, the credit union frequently publishes informative blog posts and offers free, one-on-one sessions with student loan counselors to help members navigate complex financial topics like student loan forgiveness updates.

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3. Comprehensive and Personalized Financial Services

Excite CU offers a full suite of financial products, ensuring members rarely need to look elsewhere for their needs. This includes a variety of low-rate loans, such as fixed-rate mortgages that protect against rising interest costs, and competitive credit card and personal loan rates. For members with more complex needs, the separate Excite Wealth Management entity provides securities and insurance services, offering a holistic approach to long-term financial planning.

4. Wide-Ranging Membership Eligibility

Unlike some credit unions with highly restrictive membership rules, Excite CU has a broad field of membership that covers a significant portion of both California and North Carolina. This expanded reach makes the 'Best Credit Union' accessible to a larger population, driving its growth and community impact.

Unlocking Membership: Eligibility and Key Financial Products

One of the most common questions about any credit union is, "Am I eligible to join?" Excite Credit Union has clear and expansive criteria, making it a viable option for thousands of residents across two states.

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Who Can Join Excite Credit Union?

Membership is open to individuals who meet any of the following criteria:

• California (CA) Residents: Individuals who regularly live, work, worship, or attend school in any of the following counties:
  • Santa Clara County
  • San Mateo County
  • Alameda County
  • Santa Cruz County
  • Monterey County
  • San Francisco County
• North Carolina (NC) Residents: Individuals who regularly live, work, worship, or attend school in any of the following counties:
  • Brunswick County
  • New Hanover County
  • Pender County
• Family/Household Members: Family members (spouse, child, sibling, parent, etc.) and household members of a current Excite CU member are also eligible to join.

Essential Financial Products and Services

Excite CU offers a robust portfolio of products designed to serve various financial stages, from entry-level savings to advanced wealth management. The focus on competitive rates and personalized service is evident across all offerings.

• Checking Accounts: Various options, including accounts with no monthly maintenance fees and features like fraud protection.
• Savings Accounts: The high-yield Go Savings Account is the flagship product for new members, offering a 5.00% APY bonus dividend for the first year on balances up to $2,500.
• Loan Products: A full range of lending options, including Auto Loans, Personal Loans, and Fixed Rate Mortgages, which offer protection against rising interest costs.
• Business Services: Dedicated services for small and large businesses, including business deposit accounts and business share certificates with competitive rates.
• Digital Banking: A modern online banking platform and mobile app for easy account management, fund transfers, and remote check deposits.

The continued success of Excite Credit Union, highlighted by its back-to-back 'Best Credit Union' awards in Silicon Valley, underscores a powerful trend: financial institutions that prioritize member value, community reinvestment, and aggressive savings rates are thriving. By combining a strong historical foundation with forward-looking services like Excite Wealth Management and the Excite Foundation, Excite CU remains a compelling choice for consumers in both California and North Carolina looking for a reliable and rewarding financial partner.