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Rates


Rates Effective 2018-07-23

Savings, Checking & Money Market Account Rates

Credit Unions are prohibited from guaranteeing rates. Rates and terms may change at any time without notice.
Indicated rates are subject to change as required by the financial condition of the credit union.
Contact member services at 770-441-9235 or 1-888-441-9235 for more details.
More Information about fees and terms regarding these accounts is available in the
EXCEL Account Information & Disclosures Booklet or by clicking here.

Account Type Terms Rate APY*
Savings Certificates  
$500 is required to open the account and a minimum balance of $500 is required to earn the stated annual percentage yield.*
An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.









$10,000 is required to open the account and a minimum balance of $10,000 is required to earn the stated annual percentage yield.*
An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date.

$500.00 to $9,999.99
6 months 0.55% 0.55%
1 year 1.60% 1.61%
2 years 2.00% 2.02%
3 years 1.60% 1.61%
4 years 0.85% 0.85%
 
$10,000.00 & Above
6 months 0.65% 0.65%
1 year 1.95% 1.97%
2 years 2.15% 2.17%.
3 years 2.35% 2.37%
4 years 1.70% 1.71%
Money Market Account
$1,000 is required to open the account and a minimum balance of $1,000 is required to earn the stated annual percentage yield.
$1,000 to $4,999.99 0.50% 0.50%
$5,000 to $24,999.99 0.55% 0.55%
$25,000 to $49,999.99 0.65% 0.65%
$50,000 to $99.999.99 0.65% 0.65%
$100,000 and Above 0.70% 0.70%
Platinum Checking Accounts
A $2,500 daily minimum balance is required to earn the stated annual percentage yield.
$2,500 and above 0.10% 0.10%
Savings Account
The minimum balance required to open this account is $10.00. A minimum daily balance of $100 is required in this account each day to obtain the disclosed annual percentage yield.
$0 to $99.99 0.00% 0.00%
$100 to $999.99 0.15% 0.15%
$1,000.00 to $2,499.99 0.20% 0.20%
$2,500 to $4,999.99 0.20% 0.20%
$5,000.00 and above 0.20% 0.20%
IRA Floating Rate
Speak with Member Services for more details regarding IRAs.
  0.30% 0.30%
Business Checking
The minimum balance to open this account is $100. An average daily balance of $5,000 each day is required to earn monthly dividends.
$5,000.00 and above 0.15% 0.15%
Club Accounts
The minimum balance required to open a Club Account is $5.00. A $5.00 minimum balance must maintained in the account each day to obtain the disclosed annual percentage yield.
  0.25% 0.25%
Save As You Pay Account
Speak with Member Services for more details regarding Save As You Pay Accounts.
  1.00% 1.00%

*APY = Annual Percentage Yield. Any fees incurred will reduce earnings.
More information regarding these accounts can be found in the "EXCEL Terms, Conditions and Disclosures for Member Accounts."


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Consumer Loan Rates

NEW & USED CAR LOANS

2012 & NEWER
< 85,000 miles

Approximate Term

Consumer APR**

Daily Periodic Rate

Up to 84 months
(> 72 months requires $20,000 minimum)

2.09 to 16.09%

.005726 to .044082%

2011 & Older
>85,000 miles

Older vehicles with mileage over 85,000 may be eligible for financing.
Contact member services at 770-441-9235 for more details.


Boats, RVs and Motorcycles

Boats, RVs & Motorcycles

Approximate Term

Consumer APR**

Daily Periodic Rate

Up to 84 months
(> 72 months requires $20,000 minimum)

3.09% – 15.34%

.008465 - .042027%


Signature Loans

$200 Minimum

7.75 to 18.00%

.021232 to .049315%


Share Secured Loans

$200 Minimum

5.00%

.013698%

Personal Line of Credit

$200 Minimum

14.90%

 .040821%


Save As You Pay Loan

$200 Minimum

8.75 to 18.00%

.023972 to .049315%


Certificate Loans

Share Certificate $50,000 & above

2.0% > certificate rate

Share Certificate below $50,000

 2.5 % > certificate rate


Home Equity Loan - Variable Rate***

Home equity backed line-of-credit

LTV up to 90%, rates as low as Prime***


**APR Annual Percentage Rate. Rates and terms subject to change without notice. General loan qualifications include acceptable credit history and ability to repay loan. Rates vary according to credit criteria and if applicable, age of vehicle and term length. Older vehicles may have term length limits. Co-applicants are accepted on most types of loans. Credit union may offer special promotional rates from time to time. Other restrictions/conditions apply.

Estimated monthly payments on a 36-month auto loan at 1.94% APR = $28.62 per $1,000 borrowed. Use our online calculators to determine payments for other rates & terms.

***Home equity loan rate is dependent on credit score and is variable and subject to change based on The Wall Street Journal’s published prime rate.
Other conditions/restrictions apply. NMLS # 571411.

Contact member services for more details at 770-441-9235 or 1-888-441-9235.

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Business Loan Rates*


New & Used * Auto Loans





New & Used*

Approximate Term

Business APR**

Daily Periodic Rate

Up to 36 months

2.25%

.006164%

Up to 60 months

2.75%

.007534%

Up to 72 months
(2014 & newer, $20,000 minimum)

3.25%

.007534%

*2011 and newer. Mileage exceeding 85,000 may not qualify.
Contact member services at 770-441-9235 for more details.
Rates and terms subject to change without notice


Visa Business Credit Card

Credit Limit APR** Daily Periodic Rate
Up to $25,000 12.50% 0.034247%


Business Line of Credit

Up to $100,000 Variable Rate Based on Prime***


Equipment Loan

Up to $100,000 Variable Rate Based on Prime***


Commercial Real Estate

Up to $500,000 Variable Rate Based on Index
Over $500,000 For Commercial Real Estate or Mortgage Loans from $500,000 to $15 Million or for a renewal or refinance, contact our subsidiary, Credit Union Business Services, LLC (CUBS) at 770-416-2166 or visit their website at http://www.cubsllc.org


* Rates and terms subject to change without notice. Please contact the credit union for details.
** APR Annual Percentage Rate
*** PRIME is a variable rate as published in the Wall Street Journal.

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