FALL into a new ride with an auto loan that fits your budget and allows you to experience the season!

There’s no better time to upgrade your vehicle than this fall! Whether you’re hitting the road for leaf-peeping adventures or just ready for something new, we’re here to help with low-rate auto loans designed to put you in the driver’s seat—fast application process and preapprovals. We’ve got you.

Enjoy:

• Competitive rates as low as 3.74% APR*
• Up to $250 cash back*
• Pre-approval to give you extra confidence when buying
• Low-cost GAP Plus that gives you more than just GAP. Plus, our solid warranty program and an amazing debt protection program for added security and peace of mind.
• VIP concierge auto buying service at no extra cost to you. Our members love it!
• Wiggle room in your budget with delayed payments for 90 days*

Buying new, used, or refinancing? We’ve got you covered. Check out our rates and apply today and let us help you drive into the season with BIG SAVINGS that you know Excel provides.

*Annual Percentage Rate. All loans subject to credit approval. Terms and conditions may apply.

Make spirits bright – without breaking the bank!

The holidays can stretch any budget. Look to us to help. Our Holiday Skip-A-Payment may be the answer for you. You may apply as early as October 15 to setup Skip-A-Payment for November, December, or January. Interest on the loan will continue to accrue but you won’t need to make another payment until the following month.

Use the extra funds for gifts, travel, or simply to relax knowing you’ve got one less bill to worry about. It’s our way of helping you enjoy the season without the stress. RELAX. Enjoy the season.

• Available on qualifying loans
• Quick and easy to apply – Start now!
• A little extra room in your holiday budget

Get started by completing the online skip-a-pay application. Click this link on October 15 to apply.

*Not all loans are eligible for the skip a pay program. Finance charges will continue to apply. A fee of $25 will be assessed for each loan you skip. Other terms and conditions may apply; see credit union for full details.

Less stress, more joy, great savings!

Tackle the holidays with the card that works as hard as you do! The holidays are here—and with them comes the hustle and bustle of gift-giving, decorating, and celebrating. Make it all a little easier with a low-cost Excel FCU credit card in your wallet!

With competitive rates, no hidden fees, and reliable purchasing power, our credit card helps you check off your list—without checking out of your budget.

• Rates as low as 9.00% APR*
• 25-Day grace period
• Great for gifts big and small
• Convenient and secure spending
• Ability to earn rewards as you spend

Stay in control this season with less stress and more joy. Learn more, apply, and make every swipe count!

Credit Card Disclosure

*Annual Percentage Rate. All loans subject to credit approval. Terms and conditions may apply.

Stay cyber-safe this holiday season

Protect yourself while you shop, share, and celebrate.

The holidays bring joy, generosity—and unfortunately, an increase in online scams and fraud. As more people shop, travel, and donate online, cybercriminals are on the lookout for opportunities. Use these tips to stay protected:

1. Beware of Holiday Scams – Watch out for fake websites, suspicious charity emails, and “too good to be true” deals. Always verify sources before clicking.
2. Use Secure Payment Methods – When shopping online, use your Excel credit union debit or credit card. Avoid using unsecured Wi-Fi to make purchases. Consider our mobile app to conveniently check your accounts. Have your information at your fingertips for daily reference and to keep an eye on your accounts.
3. Monitor Your Accounts – Check your accounts regularly for unauthorized transactions. Set up alerts through online or mobile banking for added peace of mind. It’s easy.
4. Strengthen Your Passwords – Use strong, unique passwords for each account. Enable multi-factor authentication when available—especially on shopping and banking apps.
5. Be Wary of Holiday Phishing Emails – Phishing emails often look like delivery updates or holiday sales. Don’t click on links unless you’re sure the sender is legitimate.

Stay alert, shop smart, and protect your personal information—so you can focus on what matters most this season.

Happy and safe holidays from us to you. You are our priority! We’ve got you!

Special Member Announcements

• Holiday Club Accounts – The season of giving is right around the corner—and so is your reward for planning ahead! We’re excited to let you know that your Holiday Club funds will be available starting October 1. Not part of the Holiday Club yet? It’s never too early to start for next year. Ask us how to enroll today!
• TruStage® Insurance – As we close out the year, it’s a great time to reflect on what matters most—your family, your future, and your financial well-being. That’s why we’ve partnered with TruStage® Insurance—to help protect what’s important to you. Have you received our invitation to garner more security yet? Just ask!
• Mastercard® Sweepstakes – Don’t forget! Using your Excel Mastercard® debit card between now and the end of the year earns you 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. Learn more.
• Community Involvement – Excel loves the opportunity to get more involved in our communities. On August 23, team members participated in the 2025 Credit Unions for Kids Bowl-a-thon benefitting Children’s Healthcare of Atlanta. We also helped close out the Norcross Summer Concert Series in August. We can’t wait to see next year’s lineup!