Excel Federal Credit Union

Higher Yield Savings/Deposit Accounts

Invest to grow your savings even faster!

48 months of guaranteed interest. Invest in what’s next in your life.

It is the season to think about investing your money wisely. We are YOUR credit union. We are people helping people. And … we’re working for you, a part-owner of Excel Federal Credit Union, to offer you this competitive 48-month share certificate annual percentage yield rate of 4.50% . If you have monies socked away in lower earning savings, certificates of deposits or investment accounts elsewhere make the move to Excel today. Put your money to work and watch it grow toward the future. We’re here for where you are in life.

*Annual Percentage Yield. $500 is required to open the account. Minimum $500 balance required. Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. This as high as annual percentage rate of 4.50% APY* for a 4 years/48-month term requires direct deposit.. This rate is effective 9/28/2026 and is subject to change without notice. Deposits NCUA insured to $250,000.

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Share Certificates

Save today for whatever tomorrow brings! Our newest promotional GOLD SAVINGS RATES just made earning more easier too.

  • $500 Minimum Deposit
  • $500 Minimum Balance to Earn APY*
  • Fixed Quarterly Dividends
  • Competitive Rates
    • 6-month Share Certificates (with payroll direct deposit)**
    • 12-month Share Certificates (with payroll direct deposit)**
    • 24-Month Share Certificates (with payroll direct deposit)**
    • 36-Month Share Certificates (with payroll direct deposit)**
    • 48-Month Share Certificates (with payroll direct deposit)**
*Our rates are stated as Annual Percentage Yield (APY).

** For our payroll direct deposit promotional rates the as-high-as rate of 4.50%APY* for 4 years/48 months, as-high-as rate of 4.25%APY* for 3 years/36 months, as-high-as rate of 4.40%APY* for 2 years/ 24 months, as-high-as rate of 4.25%APY* for 1 year/ 12 months, or an as-high-as rate of 3.75%APY* for 6 months, payroll direct deposit is required. Promotional rates may expire at any time and are subject to change without notice. All share certificates require a deposit of $500 to open the account and a minimum $500 balance is required to earn the stated annual percentage yield. Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Rates are current effective 10/28/2026 and are subject to change without notice..

Money Market Accounts

The perfect balance between high-yielding rates and flexible access.

  • Minimum Deposit of $1,000
  • Competitive Rates
  • Max 6 Withdrawals/Month; $5 Per Each Additional Above 3/Month

Are the Money Market Account withdrawals limited?
Yes, due to Federal Regulation, withdrawals from Money Market Accounts are limited to six (6) per month. However, you can enjoy the flexibility of accessing your funds through Online Banking.

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