Spring Newsletter
Caps off to community high school future graduates!
Is graduation on the horizon for you or someone in your family? For a neighbor? For someone you are mentoring? Someone at church? A pet-sitter or babysitter? Before the tassel turns, make sure you don’t miss a chance to let the secret out and tell someone close to you how to earn some extra cash for college. We’re excited to offer a scholarship opportunity to help take the pressure off tuition, textbooks, and other higher-education expenses. For anyone YOU know who is graduating from high school this year and heading to college this fall NOW is the time to complete our quick …. easy ….. secure …. online application. Share the word.
Scholarship details and guidelines are a click away!
Don’t wait! Applications must be completed in their entirety and submitted by May 14. A little extra funding can go a long way. Especially when applying is SO easy. Apply today and give your college journey a head start!
Member restrictions and guidelines apply.
New auto loan deals are in bloom!
As the roads open up and the days get brighter, our auto and summer adventure loan deals are in full bloom to get you behind the wheel in a new ride OR on your way to adventure in a new RV, boat, or motorcycle!
Whether you’re purchasing a new or used vehicle, refinancing your current auto loan, OR getting ready for other summer adventures we’ve got you. Get preapproved and know what you qualify for.
Auto Loan Rates as low as 3.49% APR*
Let your next ride or adventure bloom with an Excel auto loan with the added plus of no payments for 90 days.
Apply for your auto loan today!
And if you are ready to get your summer toys ready to roll, we’ve got fantastic loan options to help you make it happen and be ready to pounce on that summer toy you’ve dreamed of with preapprovals. Find and finance the boat, recreational vehicle, or motorcycle you’ve been dreaming about, with competitive rates and flexible terms designed to fit your budget. We finance up to 120 months too to make your deal even sweeter. We’ve got you! Get your summer toys (and the fun) ready to roll.
Feeling financially stressed? You’re not alone. We’ve got you!
Many Americans are worried about keeping up with bills, covering unexpected expenses, and building a secure financial future. Recent studies show that nearly half of households don’t have enough savings to cover a $1,000 emergency. But there are steps you can take to regain control over your budget!
- Build an emergency fund – Start small. Even $25–$50 a week adds up over time.
- Track your spending – Knowing where your money goes helps you identify areas to save.
- Take advantage of low-cost loans – Instead of high-interest alternatives, your credit union can offer affordable solutions if you need extra cash.
- Use financial tools and guidance – Online budgeting tools, savings calculators, and member education programs can help you plan for the unexpected.
Excel FCU is here to help you feel confident and in control of your finances, so surprises don’t have to be stressful. We ARE people helping people. Your financial journey is important to us and we’re here to assist you as you make the most of it. Start today by opening a special savings account for emergency funds, adjusting your payroll deduction to put more in your savings or setting up direct deposit or automatic transfers.
Plus, we have partnered with GreenPath which can lead you to along and even stronger financial wellness journey. Free webinars and more.
Give your finances a clean sweep with e-statements!
Switching to e-Statements is one of the easiest ways to tidy up your financial life, no dustpan required! Instead of paper statements piling up, e-Statements deliver your account information securely and conveniently online. Less paper, less clutter, and more control—right at your fingertips!
- Access statements anytime, anywhere
- Reduce paper clutter and filing stress
- MORE SECURE than mailed documents
- Better for the environment
- Faster delivery—no waiting on the mail
Plus, when tax time or budgeting season rolls around for you, your statements are already neatly stored and easy to find. Log into online banking and enroll in e-Statements today! Easy as 1, 2, 3!
Turn high interest into HIGH SAVINGS!
From home improvement projects and travel bookings to graduations, and weekend adventures, spring and summer spending has a way of adding up. High-interest cards from elsewhere can weigh you down too. An Excel Platinum VISA® card could help you manage those expenses with confidence, while giving flexibility to your budget. Up, up and away go the Excel way.
- Rates as low as 9.00%APR*
- No annual fee
- No balance transfer fee
- No cash advance fee
- Customizable purchase alert notifications
- Online account management and payments
- 24-hour cardholder assistance by phone
*Annual Percentage Rate (APR). Acceptance based on creditworthiness. Foreign transaction fee of 1% applies to each transaction. Late payment fee up to $25 may apply. Return payment fee $25. See website for full credit card disclosure and other VISA card options.
Make money-smart spring and summer moves!
REPAIR IT. REFRESH IT. RECHARGE. And more…
An Excel Home Equity Line of Credit (HELOC) can give you flexible access to funds you can use for life’s larger expenses. And you only pay interest on what you USE. Whether you’re improving your space, simplifying finances at lower rates, investing in education, setting up an emergency fund, or planning something special like a wedding or vacation an Excel HELOC can put the funds at your disposal you need when you need it.
- Borrow up to 100% of your home’s value, minus your mortgage balance
- Enjoy rates as low as 4.99% APR* fixed for two years
- We pay up to $1500 in closings costs.
Apply for a HELOC online at today and turn your equity into a smart opportunity.
*APR = Annual percentage rate. Introductory rate is fixed for first 2 years. Introductory rate on loans of up to 80% LTV are as low as 4.99% 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% APR. Maximum APR of 18%. APR. Prime APR of 6.75% as of 12/11/2025. The maximum LTV is 100%. Minimum line of credit is $10,000. Rates and terms are subject to change without notice. Closing costs up to a maximum of $1,500 paid by Excel. Other conditions and restrictions may apply.
NMLS # 571411.
We have the right mortgage for your next move!
Whether you’re buying your first home or planning your next move, the right mortgage can make all the difference. We offer a range of competitive home loan options designed to fit your goals and budget. Get preapproved before you start shopping so you can move forward with confidence, knowing exactly how much house you can comfortably afford.
Our mortgage loan options include:
- Conventional, FHA, ARM, USDA, VA, Jumbo, and Specialty (Interest-Only or Balloon Payment) Home Loan Options
- Fixed & Adjustable Rate Mortgage Options
- Home Refinance Options
- Preapprovals
- FREE Mortgage Checkups & Advice
- Licensed Mortgage Advisors to walk you through the process, A to Z
Start your home financing journey today.
*Minimum loan amount is $50,000 and all loans subject to credit approval.
Our Mortgage Team NMLS #645585 | EXCEL NMLS #571411
Banking that moves at your speed!
At Excel Federal Credit Union, convenience isn’t a feature—it’s a commitment. Whether you’re paying a loan, checking your balance, or getting paid, we’ve built tools that fit your life and keep you moving forward.
24/7 Access with MoneyLine
Life doesn’t run on business hours, and now, neither does your credit union. With our newly upgraded MoneyLine, you have secure, 24/7/365 access to your accounts anytime you need it.
Check balances, transfer funds, and manage your finances from wherever you are, all in a safe, reliable environment designed around your schedule.
Fast, Easy Payments with QuickPay
Paying your loans just got easier. With QuickPay, you can quickly and securely make payments on many Excel loan types without the hassle.
No extra steps. No confusion. Just simple, streamlined payments when it’s convenient for you.
Direct Deposit: Fast, Secure, and Ready When You Are
Imagine getting paid before your first sip of coffee. With Direct Deposit at Excel FCU, your paycheck is deposited quickly and securely, often available right away.
It’s:
- Fast – Funds arrive sooner
- Secure – No lost or stolen checks
- Convenient – Ready to use immediately
Even better? Members who use Direct Deposit may qualify for special rates on savings certificates and auto loans, helping your money go even further.
From round-the-clock account access to faster payments and deposits, Excel FCU is focused on making banking easier, smarter, and built around you. Because when your financial tools work seamlessly, everything else just feels easier.
Did you get this text? How to spot smishing scams.
Red flags to watch for:
- Urgent requests like “Your account will be closed if you don’t act now.”
- Links or attachments asking for login credentials or personal information.
- Unexpected messages from companies you don’t normally hear from.
- Poor spelling, grammar, or slightly off web addresses.
How to protect yourself:
- Don’t click links or download attachments from suspicious texts.
- Call the company directly using a number from their official website.
- Report suspicious messages to your credit union or the FTC.
- Enable alerts on your accounts for unusual activity.
Your credit union’s team works behind the scenes to detect and prevent fraud, but members can be the first line of defense. Stay alert, and don’t let a scammer turn your phone into a doorway to your money.
We are seeing our members receiving these type of calls and texts more often. Make sure you always call us with any suspicion you may have. We welcome your calls for verification. Your vigilance is paying off and in so many instances have stopped the scammers in their tracks! Keep up the good work. Continue to be vigilant.
We’ve got you. We’re Excel FCU “People helping People”. People just like you.
Holidays
Plan ahead and mark your calendars for the upcoming credit union closed dates. Also, please sure to check our website for additional closures or interruptions that may occur, including those for inclement weather.
Memorial Day – Monday, May 25, 2026
Juneteenth – Friday, June 19, 2026
Independence Day (Observed) – Friday, July 3, 2026
