*Annual Percentage Rate (APR). Rates and terms are based on Excel FCU underwriting criteria, a $3,000 minimum and are subject to change without notice. Existing Excel FCU loans are ineligible for refinance. The discounted rate as low as 3.99% APR* is based on 4.49% APR* less 0.50% APR* with an Excel checking account in good standing with direct deposit and automatic loan payments. The first payment is due within 90 days of loan disbursement. Interest continues to accrue. This offer is subject to change without notice. Assuming an $18,000 loan amount, at 3.99% APR*, and a 3-year term you would make 36 monthly payments of $531.33. Assuming an $18,000 loan amount, at 4.70% APR*, and a 4-year term you would make 48 monthly payments of $412.07. Assuming an $18,000 loan amount, at 4.70% APR*, and a 5-year term you would make 60 monthly payments of $337.22.

Rates effective 2/7/25.

Limited time offers:
*Up to $500 Cash Back. 1% cash is calculated on the financed loan amount but not to exceed $500 per loan. These funds will be deposited into the designated Excel share/savings account at the time of loan closing. No payment for 90 days but interest and payment will be added to end of loan term. Interest accrues from date of funding. The discounted rate is based on a half percent less than the annual percentage rate loan rate you qualify for and requires an Excel checking account in good standing with direct deposit and automatic loan payments for a minimum of four years.

Rates and Terms based on Excel FCU underwriting criteria. Offer subject to change without notice, loans paid off within 60 days will be subject to recoupment. Minimum auto loan amount is $3,000. Existing loans with Excel are not eligible for this promotion.

Please refer to the service contract for coverages, exclusions, terms, and conditions. Vehicle warranty plans are the products of CU Certified Automotive. EXCEL Federal Credit Union does not administer any portion of warranty plan. Mechanical Breakdown Protection is administered by a third-party provider. Please see our privacy policy for additional information on services offered by third parties. To learn more about MBP plans, contact us.

Please use our online calculators to determine  estimated payments for other rates & terms.

**2018 and older with mileage exceeding 85,000 do not qualify for the above stated rates. Please contact our loan department at 770-441-9235 for full details.

*Annual Percentage Rate.
**Boats, RV and motorcycles. Based on credit approval and our underwriting practices. Rates and terms subject to change without notice.

Based on credit approval and our underwriting practices. Rates and terms are subject to change without notice. A sample payment for a $30,000 loan at 6.50% APR*, for a three year term, would be 36 monthly payments of $919.54. A sample payment for a $30,000 loan at 6.75% APR*, for a five year term, would be 60 monthly payments of $590.57.

***Rates shown are Annual Percentage Rate (APR). Introductory rate is fixed for first 2 years. Introductory rate on loans of up to 80% LTV are as low as 5.99% APR based on a credit score of 740. Your rate may differ. After the introductory rate, the rate is variable and based on The Wall Street Journal’s prime rate plus 0.00 to 3.00%, with a floor rate of 4.00%. Maximum APR of 18%. APR of 7.50% as of 12/19/2024. The maximum LTV is 100%. Minimum line of credit is $10,000. Rates and terms are subject to change without notice. Member must carry homeowners’ insurance on the property that secures the HELOC. Eligible properties must be in Georgia and include single-family detached and attached units, Planned Unit Developments (PUD), and condominiums. Qualified homes must be owner-occupied and the principal residence of the borrower. Investment properties, vacant lots, purchase money seconds, and manufactured homes are not eligible. Closing costs up to a maximum of $1,500 paid by Excel. Consult a tax professional regarding the potential deductibility of interest. Other conditions/restrictions apply.
NMLS # 571411.
Contact member services for more details at 770-441-9235 or 1-888-441-9235.

*APR = Annual Percentage Rate

** APR Annual Percentage Rate

*** PRIME is a variable and subject to change based on The Wall Street Journal’s published prime rate.