Higher Yield Savings/Deposit Accounts
Invest to grow your savings even faster!
Earn more on your savings. 30 months of guaranteed interest
The money you have saved along the way is important. For guaranteed growth for 30 months we encourage you to  invest your hard-earned money in ways that give you peace of mind.  Protect your principal. Set it and forget it for 30 months… and then,  sit back and relax as your money grows. Because we are people helping people driven,  and working for you, a part-owner of Excel Federal Credit Union, we are offering this amazing limited time rate offer with an annual percentage yield rate of 4.00% to help you accomplish all of that. If you have monies socked away in lower earning savings or investment accounts – then we’ve got you!  Take action today and secure your Excel Smart Money Share Certificate today.
Share Certificates
Save today for whatever tomorrow brings!
- $500 Minimum Deposit
- $500 Minimum Balance to Earn APY*
- Fixed Quarterly Dividend 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
- 48 Month Share Certificates (with payroll direct deposit)**
*Annual Percentage Yield. $500 is required 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 9/28/2026 and are subject to change without notice.
**For special promotional as-high-as rate of 4.50% APY* for 4 year/48 months, as-high-as of 3.75% APY* for 1 year/ 12 months, as-high-as rate of 3.65% APY* for 2 year/ 24 months, and as-high-as rate of 3.60% APY* for 6 months, payroll direct deposit is required. A minimum $500 balance is required and $500 is required to open the account. Promotional rates may expire at any time and are subject to change without notice. These special promotional rates/terms are current effective 9/28/2026.
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.