Excel FCU will never ask you for your online banking information,
pin number(s), or password(s). Beware of fraudsters posing as Excel
FCU via text, email or phone. Do not hesitate to call the credit
union directly if you have questionable requests for information.
Fall 2023 Newsletter
Excel Cares! Fall Food Drive
Effective October 1st, Excel FCU will collect non-perishable food items in support of our community members who may be in need of assistance. We invite you to donate items and we’ll deliver to benefit the Neighborhood Cooperative Ministries.
Current critical needs include pasta sauce (preferably in plastic containers), spaghetti, canned fruit, cereal, canned meats, and ramen noodles. Personal care items such as shampoo, laundry pods, paper towels, etc. are appreciated as well.
Help us show our community we care. Excel does care.
Enjoy more, stress less!
Apply for an Excel holiday loan.
Let’s face it. The holiday season can be incredibly stressful. Funds to cover all the gifts, decorations, food, and festivities can be hard to come by…until now. From October 1 and through January 31st Excel is offering you the chance to enjoy more and stress less this season with a low-rate holiday loan!
Borrow up to $700 for 11 months
Rates as low as
9.99% APR*
Enjoy more and stress less this season. Apply for your holiday loan today!
*Annual Percentage Rate. All loans subject to credit approval. A $20 processing fee applies.
Holiday Skip-a-Pay is back!
Anticipate your wallet taking a toll this holiday season? Why not skip the Excel payment of your choice (excluding HELOCs) and gain peace of mind and holiday spending power?
Let us help you. Beginning November 1, 2023 you can apply to skip a loan payment* in November, December or January and use the freed up funds to cover holiday expenses or simply give you peace of mind. Interest on the loan will continue to accrue and be applied the following month. It’s so easy ..just complete our online skip-a-pay form and you’re on your way to a more relaxed season.
Call us. Chat with us online. Or complete our skip-a-pay form online to get started today. We’ve got you!
*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.
Best stocking stuffer around!
Need to stuff some stockings this year? A VISA® holiday gift card is the perfect choice! This single gift can bring many holiday joys to your family and friends.
VISA® Gift Cards*
Available in amounts from $10 to $1000.
Tips to prevent falling victim to gift card scams.
- Buy direct online – Purchase your gift cards direct from the website of the retailer you’re shopping.
- Don’t buy in-store cards with easily accessible numbers and PINs – If you must purchase a gift card in store, look for those that are behind the counter, in less accessible areas or in view of surveillance cameras.
- Register cards you receive – If you receive a gift card, register the card immediately, change the PIN, and don’t delay in using the money.
Bring on the smiles. Stop by any branch to pick up your stocking stuffers today!
*Each gift card incurs a purchase fee of $3.00. Ask us for full details.
Saving pays off.
It’s time to cash in on your holiday club!
Happy holidays to you! You’ve saved money all year long in your holiday club account and now your dedication is going to pay off – just in time for shopping sprees and festivities.
Your holiday funds will be released and available for your use effective October 1, 2023.
Don’t have a holiday club account yet? Get a jump start on next year’s shopping season by opening one today. You’ll contribute a little each month, all year long in 2024 and then you’ll be able to access the accumulated savings this time next year.
Call or chat with us online with questions or open your Holiday Club Account now!
Auto loan specials are happening now!
Looking to take advantage of the end of the year car deals? You’ll also want to take advantage of our low auto loan rates this fall. Our competitive rates, easy terms, and quick decisioning will put you into your new car in no time! And we also help you ease in to your new payment with our 90 day no payment option and a limited time CASH BACK promotion.
Plus, you can apply to get pre-approved for your auto loan to streamline your search and strengthen your buying power at negotiation time. We’ve got you!
*Cash back is based on 1% of the auto loan payment. All loans subject to credit approval. Terms and conditions may apply. 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 Excel FCU loans not eligible for this promotion.
Excel is committed to helping our communities and our youth excel!
We’re a proud partner to the Norcross Food Ministry working to help feed individuals in our community with food insecurities.
Congrats to our latest scholarship winners. We wish you all great success in college and your future career endeavors. We’re committed to helping our communities and our youth excel.
Tackle the holidays with ease!
The holidays are imminent. Prepare yourself for the season of spending with our low rate VISA®* credit card and you’ll be able to tackle your gift-giving expenses with ease. Enjoy rates as low as 9.00% APR* on your purchases!
- 25-day grace period
- Worldwide purchasing power
- ScoreCard Rewards
- Ability to earn rewards as you go and more!
Apply for your VISA® credit card now.
*Annual Percentage Rate. All loans subject to credit approval. Terms and conditions may apply.
Celebrating 75 Years of Credit Union Movement
International Credit Union Day®
Thursday, October 19, 2023
International Credit Union (ICU) Day® celebrates the spirit of the global credit union movement. The day is recognized to reflect upon the credit union movement’s history, promote its achievements, recognize hard work and share member experiences. International Credit Union (ICU) Day® has been celebrated on the third Thursday of October since 1948.
This year, we mark the historic recognition of the 75th anniversary. This milestone offers us the unique opportunity to acknowledge the tireless effort of credit union employees while celebrating you, our members, the world over. Always — people helping people.
3 Steps to Better Holiday Budgeting
According to the National Retail Federation, over the last five years, Americans have spent an average of $641 on holiday gifts, $224 on non-gift items such as food and decorations, and $139 on other non-gift purchases. That equates to $1000 on average for holiday spending. If you’re looking to save on holiday expenses this year, follow these 3 easy budgeting steps.
1. Create holiday spending categories – Categorizing your holiday expenses can help you prioritize your spending. Common categories include Gifts & Gift-Giving Supplies; Travel; Food & Entertainment; Holiday Décor & Attire; and Charitable Donations & Tips.
2. Allocate Funds Across Categories – Start with an overall spending limit in mind and then divide that number across categories as you see fit. This total number should be one you can easily cover(ideally with cash) so you don’t accrue holiday debt. If you need to cut spending in certain categories, get creative where possible. Consider making some of your gifts rather than buying, driving rather than flying, revamping a closet outfit rather than buying new.
3. Shop & Track – As you begin to tackle your shopping list, track your spending against your budget in each category. If you spend more than anticipated in one category, move funds from another to cover it and stay true to your limit.
By following these 3 easy steps, you should be able to better manage your holiday spending and avoid carrying debt into the New Year.
Does financial education, learning to budget and developing a stronger financial pathway interest you? We care and have implemented a financial literacy program with you in mind. We’ve got you!
End of Year Money Moves
As we approach the end of 2023, there are some key money moves you can make to finish the year strong and set yourself up for financial success in the new year.
1. Review your budget and savings progress against your 2023 goals and set new goals for 2024 accordingly.
2. Check your progress on paying down debt and increase as you can. The less debt you carry into the New Year, the better!
3. Contribute anything you can to your 401k or IRA before December 31st.
4. Review your beneficiaries and will to ensure information is accurate and up to date.
5. Review your Excel credit card benefits and reward offers. Transfer other card balances to Excel to save money.
6. Review your insurance policies and get comparison quotes. If you can save, make the switch!
7. Review all subscriptions and monthly services and eliminate extraneous expenses.
Reviewing your finances now and making any necessary cuts or adjustments before the end of the calendar year is the best way for you to enter the New Year on a solid financial foundation.
Get more financial tips in our financial education resources area now.
Excel Holiday Closings
Columbus Day – Monday, October 9, 2023
Veteran’s Day – Friday, November 10, 2023
Thanksgiving – Thursday & Friday, November 23 & 24, 2023
Christmas Day – Monday, December 25, 2023
New Year’s Day – Monday, January 1, 2024
