NCUA Insured
Member-Owned
2 charter
Established in 1952
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around San Jose, CA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1952
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in San Jose and serves members in the CA area. Currently serving 45,844 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
6.21%Used Auto Loan
7.55%Personal Loan
12.66%Credit Card APR
15.92%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).
Burbank, CA
Valencia, CA
Santa Rosa, CA
Glendale, CA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.5
54 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsKawi Bunga
5 months ago
Their customer service sucks. Naomi in particular. Her demeanor is always that of frustration and anger. So what if the payment is a little late. Everyone has hardships. A little empathy can go a long way. Nevermind trying to say hi to her. Her 52 second phone call was enough to bring me here for a review. I answered "Hi Naomi" in a happy, friendly tone. She answers "I'm calling about your late payment". No bedside manners what so ever. I won't be answering again. My voicemail can answer her going forward. She comes off as the person I pray my daughter never has as a mother-in-law.
Chata Rocha
3 months ago
The only thing I dislike about this bank is when your trying to pay off your account they won't take payments larger then 2500.00 forcing you to make more daily payments + interest charges good luck paying off your account early on line or over the phone
Odette Moronez
5 years ago
Stopped in/1st time visit2 the Credit Union for shared services w/ my Credit Union. Staff was helpful &courteous. Obtained information I needed as well as Guidance with services. Plenty of parking with a drive-thru and an ATM on the outside of the front doors. Odd location but visible 2 the eyes. Thanks Jessica Valerio for being patient on our visit w/ you as our Field Service Rep. You helped a great deal, you made us feel welcomed by answering my questions & I appreciate your help!
Lu Zav
2 years ago
It would be negative 5 stars if possible... ive been with this company for over 3 years and everything was good... my car payments are less than 4 hundred, when I called they told me my payments are supposed to be $500 + and that it's my fault trying to shift it towards them, when they clearly failed to tell me it was higher for over a year but they didn't say anything even tho I called every month to make each payment. Ended up paying 690 just for 1 month. Very little help and bad attitude from customer service. They might reply to the review but they don't really care. (DONT GET ANYTHING FROM EXITE)
Sarah Garcia
a year ago
My debit card has been compromised 3 times in 6 months, and it is only used at ATMs for withdrawals. Nothing else. I am well aware of vulnerabilities associated with outdoor ATMs, but I use my Chase debit card for EVERYTHING..Amazon, other online purchases, at gas stations, etc. I haven’t had this happen with my Chase card in years. My choices are: go to the branch to get a card or wait 2-3 weeks to get it by mail. Yeah…2-3 weeks. I called the only number listed for Excite, and it is an 800 number that goes to a call center. THERE IS NO WAY TO REACH THE BRANCH DIRECTLY. So, I take time off work to go there on Saturday. The cashier begins our transaction in English, then suddenly starts talking in Spanish. I assume he’s talking to someone else, since we had been talking in English. He just stood and stares at me. Says “I’m talking to you, and you are just on your phone.” Then proceeds to say “he is used to people being bilingual.” Um..wow! So after giving their standard spiel about “there’s nothing they can do; just need to be careful about ATMs.” Then they tell me their card printing machine is down. Remember, there is no way to reach the branch directly to verify when it might be working again. I will be looking for another credit union. This is not working out well, and is becoming much more of an inconvenience than anything else.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(408) 265-7322Website
Visit WebsiteMembers
45,844
Total Assets
$618.1M
Year Opened
1952
Net Worth
Adequately Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile