The Excite Credit Union All Credit Levels is a cdfi lender from Excite Credit Union. The ongoing APR is 1.99% - 5.00%. Signup bonus: 5.00% APY bonus rate is offered to new Members only. Rewards: New members can earn a 5.00% APY on the first $2,500 balance for the first 12 months and a $500 credit towards closing costs on home loans.. This product reports activity to your personal credit report. Excite Credit Union is a member-owned financial institution based in San Jose, CA, serving communities in California and North Carolina. It offers a range of financial products designed to help members build a stronger financial future, including savings accounts, auto loans, credit cards, and home loans. Services include: auto loans, credit cards, home loans. US Treasury certified CDFI Credit Union in San Jose, CA. Membership required.