Summer Newsletter
Summer wheels! Hot deals. Bring on the happy.
Whether you’re shopping for a new or used vehicle, we’ve got the hot auto loan* that’ll bring on the summertime smiles.
We offer:
- Exciting promotional deals with cash back, no payment for 90 days and more!*
- Competitive rates as low as 3.99% APR**
- A fast preapproval process
- And if convenience and hassle-free buying is important to you an amazing concierge buying service (at no extra cost to you)!
We encourage preapprovals! That way you’ll know your budget before you shop and you can strengthen your negotiation and buying power before you find the vehicle of your dreams. Take advantage of our hot auto loan deals and get your new wheels today. Apply now.
Learn more about our auto loans.
*All loans and promotions subject to approval **Annual Percentage Rate | See credit union for details.
Look what they did! Bright scholars awarded 2025 Excel $1000 Scholarships
Congratulations to the winning high school graduates who each earned one of Excel FCU’s three $1000 scholarships! We received many entries but these three students went above and beyond in their video essays and submissions. Since Excel places such a heavy emphasis on community involvement and community support, applicants were asked to respond to the following questions:
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?
We’re thrilled to support the academic journeys of these three college bound entrants and we can’t wait to see what they achieve in the future!
Congratulations Christian, Jada, and Destiny!
(L to R): Tom Hayden, President/CEO, Excel FCU; Christian Banks, 2025 scholarship recipient; Jada Ferguson, 2025 scholarship recipient; Destiny Mitchell, 2025 scholarship recipient; and Leitha Dickens, Manager of Member Engagement and Lending, Excel FCU
SUMMER VIBES to float your boat! OR send you RV’ing on the open road and to adventure!
Looking for water adventure this summer? Looking for open road adventures? Whether you prefer sailing away into the ocean, boating on our beautiful surrounding lakes or exploring our national parks and open road, we have great loans* to make that happen.
With rates as low as 6.50% APR** why wait?
The wind, water and open road beckons. We have flexible terms and will help you find the loan that best makes your summertime dreams come true. Talk to us and vibe with our great loans.
*All loans subject to approval. **Annual Percentage Rate | See credit union for details.
EXCITING SPECIAL MEMBER ANNOUNCEMENTS
- QuickPay. Watch for it. Coming soon. Stay tuned to our website for details on this new service which will enable you to pay your loans using your accounts from other financial institutions.
- As sponsors of the Norcross Summer Concert Series – We invite you to bring your friends and family, a few chairs, your favorite blanket and join us! You’ll see our tent there!
- Moneyline. Coming back by popular demand. We listened and are bringing this service back plus even more bells and whistles for your convenience. It will be an easy way to check balances, transfer funds, and more. Fast and easy!
- Look at your statement or estatement this month for an update on funds availability which reflects changes to be effective July 1.
- Want to earn more for you hard earned savings? We’ve got you. Move your CDs from elsewhere to an Excel share certificate and watch your savings grow. Check out our competitive rates!
- Beginning August 1st, be on the lookout for the upcoming BALANCE BeOnTrack sweepstakes with the possibility of winning $500 while improving your financial knowledge. Stay tuned to our website and social media for more details.
Make this the best summer yet with a low cost VISA® card from Excel AND by using your MasterCard® debit card to indulge in summertime experiences … relaxation … and fun.
Whether you’re vacationing afar or stay-cationing near home, you can make this the best summer yet. Simply apply for an Excel VISA® credit card* with us today. Get rid of those high-interest cards and try our card and see what the buzz is all about. We’ve got the card option for you. Talk to us!
- Rates as low as 9.00% APR**
- An appealing card option with NO annual fee
- Online account management and payments
- Rewards points
- More!
Learn more about our credit cards.
*All loans subject to credit approval. **Annual Percentage Rate. Rate may vary based on individual credit worthiness. Rates are subject to change at any time without notice. | See credit union for details.
Plus, as a reminder using your Excel Mastercard® debit card this summer could reap some huge benefits for you too. From running errands to a night out, use your Excel Mastercard® debit card for a chance to win a 4-night trip for two (2) to San Juan, Punta Cana, or the Bahamas – or a $50 Mastercard Prepaid® card. You’ll receive an entry with every eligible in-store purchase you make now and through 12/31/25. Be sure to use your Excel Mastercard® debit card everywhere you shop to get your chance to win.*
*NO PURCHASE NECESSARY. Void where prohibited. Open only to existing Mastercard® cardholders who are legal residents of the 50 U.S. & DC, and legal age of majority before 4/1/25. PIN-based debit, international, corporate, online transactions, and transactions processed on a non-Mastercard® operated network are ineligible. Ends 12/31/25. For Official Rules & complete details, Click here.
Discover your home’s hidden value and then sit back and relax.
You’ve worked hard to build up the equity in your home. Now you can tap into that hidden value and put it to work by opening a Home Equity Line of Credit (HELOC)*. You can borrow against your home’s equity to cover the costs of home renovations, school tuition, a dream vacation while building happy memories, or to set yourself up for when life’s unexpected comes your way. Tap into your line of credit repeatedly as you need funds and you won’t pay interest on those funds until you use them. How’s that for security, peace of mind, and financial flexibility?
- Enjoy our introductory promotional rate as low as 5.99% APR**
- Take advantage of our flexible terms
Find your home’s hidden value and put it to work for you. Apply for your HELOC now.
Learn more about our HELOCs.
*Rates and terms vary depending on loan-to-value ratio, credit evaluation and underwriting requirements. This is a variable rate loan product. The interest rate you are charged may increase after the loan is closed. All credit union loan programs, rates, terms, and conditions are subject to credit approval and may change at any time without notice. | **Annual Percentage Rate.
Excel FCU NMLS#571411
Tap to pay and get on with your day!
It’s time to ditch the purse or wallet and simplify your errands by paying with your phone. Our MasterCard® debit cards now support GooglePay™ and Apple Pay® so you can simply enter your card details in your device’s wallet, tap to pay and get on with your day!
Link your card(s) and you can:
- Pay quickly and securely with a quick tap of your smartphone or watch
- Protect your data – Information you upload to a mobile wallet gets encrypted, making it potentially safer than carrying physical cards
- Get on with your day!
Learn more about the Excel digital wallet to get started today. And don’t forget you can also link your debit card to your preferred payment and transfer apps such as PayPal, Venmo and more.
A few moments to set up, but many peaceful moments knowing your funds are safer…and you have access as close as your phone! We’ve got you!
Not just a house, a home
We understand the importance of home ownership. A residence is more than just a house, it’s a home you can retreat to, a place to raise a family, somewhere you can establish roots. So, we’ve crafted competitive mortgage solutions that can help you make the house you find, become the home you can call yours. You deserve your own front door. Let us make that a reality.
- Competitive mortgage rates
- Fixed rate loans with flexible terms
- FHA, VA, USDA, and Adjustable-Rate mortgage loans
- Preapprovals! So, when you find THE house, you are many steps ahead to making it your own front door!
- Easy process with friendly, licensed mortgage advisors to walk you through the process.
Don’t just look for a house, look for the place you can call home…and look to us for your home loan. Apply now and get started!
*All loans subject to credit approval. Minimum loan amount $50,000. Terms and conditions apply. See credit union for details.
Excel FCU NMLS#571411
Our Mortgage Team NMLS #645585
Five summer financial scams to watch out for
As temperatures rise, so do scam attempts. Scammers love to take advantage of summer distractions like vacation planning, seasonal jobs, and travel deals. Here are some of the most common summer financial scams. We’ve got you and want to make sure each of our members are protected – and aware.
- Vacation rental scams – Scammers post fake listings with stunning photos at too-good-to-be-true prices, asking for deposits via cash apps or wire transfers. Make sure to only book through trusted platforms and avoid paying outside the site.
- Travel deal phishing – You might get emails or texts offering “free” cruises or exclusive getaway deals—just pay a small fee. Ignore unsolicited offers, especially if they ask for personal info or payment upfront.
- Fake event tickets – Concerts, festivals, and sports games are big targets for counterfeit tickets sold on unofficial sites or social media. Make sure to always buy from verified sellers or the venue itself.
- Seasonal job scams – High school and college students looking for summer work are often targeted with fake job offers that ask for bank info or upfront payments for training. Research the company and never pay to apply or work.
- Home improvement scams – With more people upgrading their homes, scammers pose as contractors, take deposits, and disappear. Get multiple quotes, verify licenses, and never pay the full amount up front.
- Event Parking Scams – Scammers pose as parking attendants near popular venues—like stadiums, concert halls, or festivals—and charge drivers to park in unauthorized or even free public spaces. Only pay for parking through the event’s official site or verified apps.
- QR Code Scams – Scammers use fake or malicious QR codes to trick people into visiting fraudulent websites, downloading malware, or giving away personal and financial information. Inspect the codes before scanning and double check the web address you link to before clicking.
Scammers count on people being too busy or distracted to notice red flags that could lead to your banking information being compromised or inadvertently giving access to your mobile devices upon scanning. A little caution can save you a lot of money and stress this summer.
Also remember, if you receive an email, phone call, text asking for your personal information we will not do that. As a member we have your information – and your best interest at heart. If you are suspicious call us to verify before allowing your information to be shared. Be safe. Be aware.
2025 Scheduled Closings
Please mark your calendars for our 2025 holiday closings. As always, we encourage you to sign up for and utilize the Excel Mobile App and our online banking services, as well as our many Presto ATM locations for the ultimate in convenience and to keep your finances at your fingertips.
Independence Day: Friday, July 4, 2025
Labor Day: Monday, September 1, 2025
Columbus Day: Monday, October 13, 2025
Veterans Day: Tuesday, November 11, 2025
Thanksgiving: Thursday and Friday, November 27 and 28, 2025
Christmas Day: Thursday, December 25, 2025
Also, as an ongoing commitment to provide better service to our members our Midtown location will be closed the last Tuesday of each month as we work to enhance the service each and every member receives and deserves.
