Hit the brakes for great auto rates!

Springtime car buying fever? If you’re shopping for a new car, you’ll surely hit the brakes for our auto loan rates! We’ve got great financing deals on new and used vehicles this spring. You can even use our auto buying service to find the exact car you want next. Plus, you can apply for your car loan and get pre-approved so you know exactly how much car you can afford before you shop.

• Competitive rates
• Up to $500 cash back*
• No payment for 90 days*
• Further Discounted Loan Rates with direct deposit and automatic payment
• Low-cost GAP Plus with Deductible Assistance , life plus debt protection or warranty coverage options. Get more for less with us.
• Easy repayment terms up to 84 months to fit your budget needs

Hit the brakes for our auto loan rates. Learn more and apply today!

All loans subject to credit approval. See credit union for full details.

Get started with Apple Pay, Venmo, PayPal, and more!

Ready to pay the easy way? With easy mobile wallet, payment apps, and peer to peer payment features, all you need is your phone to pay for your purchases when you’re out and about. Now that’s convenience!

Want to use the mobile payment method integrated into your phone? Open the wallet app and link your Excel FCU debit or credit card as your preferred payment method. You can also use the peer to peer (P2P) payment feature to make easy payments to friends and family members.

Need to use a different payment app for other purchases? We’ve got you there too! Download the app you’re interested in (Venmo, PayPal, CashApp, etc.), create an account, and link your card to the account. It is our mission to provide you with convenience and security and to be your primary and trusted financial provider.

Spring into savings with a lower cost Excel VISA!

Tired of paying the exorbitant interest rates on OTHER cards? Apply today and transfer your balance to an Excel VISA credit card and spring into savings with lower rates and bigger benefits. We have four credit card options with rates as low as 9.00% APR* and one card option with NO ANNUAL FEE.

Spring into action. Spring into savings. Learn more and apply now.

*Annual Percentage Rate | All loans subject to credit approval.

Keeping our members safe: Learn how to spot and prevent AI financial scams

AI financial scams use artificial intelligence (AI) to trick people into giving away money or personal information. Get to know the most popular AI scams and the tips you can use to help prevent them.

• Chatbot Scams – Fake online chat encounters in which AI imitates a person, such as a customer support representative, and asks for your personal data.
• Deepfake Scams – Fake videos of real people (usually someone famous and/or admirable) who request that you donate money or visit a fake site to enter your data for a prize.
• Phishing Scams – Fake emails from a seemingly reputable and/or trustworthy person or organization asking for your personal information.
• Voice Cloning Scams – Imitated voice of a real person (usually a target’s loved one or a celebrity) who calls to request money or personal information.
• Smishing Text Scams – Messages sent to your phone worded in a way that makes you feel comfortable sharing personal information.
• Fake QR Codes – QR codes that include harmful hyperlinks designed to steal personal information.
• Fake Hyperlinks – Hyperlinks embedded in emails or text messages that lead to fake web pages or forms requesting your personal information.

To help protect yourself from falling victim to these and other AI scams, use these tips:

1. Set up two-factor authentication on your online accounts.
2. Verify all details of suspicious calls and emails before acting on anything.
3. Avoid giving out personal information to any unsolicited party.
4. Secure your social media profiles where important information can be gathered about you.
5. Consider using an AI detection tool to identify potential scams.

If you have fallen victim to a financial scam, report it immediately to your credit union, law enforcement, and to www.ftc.gov.

Remember: Excel will never send you unsolicited text messages requesting your personal information. If you receive a suspicious email, text, or phone call from someone claiming to be from Excel FCU, please contact us at 888-441-9235.

The countdown is on to apply for an Excel scholarship – Apply before May 1st!

Heading off to college this fall? Let us help alleviate the financial burden! It’s time to apply for one of the three $1000 scholarships we’re awarding to graduating high school seniors this year. Submissions are made online with the essay portion being answered in a video format. As Excel is heavily invested in the communities we serve, this year’s applicants will answer this multi-faceted question:

What does community mean to you? How have you invested in community to this point? What plans do you envision to invest in community during your educational pursuits and as you begin your life journey post-graduation from college?

Applications are due May 1, 2025. Applications must be complete to be reviewed and accepted. An objective outside organization will be reviewing all applications and video essays in determining who the recipients are. We welcome all graduating high school seniors to apply.