*Annual Percentage Rate (APR). Rates and terms are based on Excel FCU underwriting criteria, a $3,000 minimum and are subject to change without notice. Existing Excel FCU loans are ineligible for refinance. The discounted rate as low as 3.99% APR* is based on 4.49% APR* less 0.50% APR* with an Excel checking account in good standing with direct deposit and automatic loan payments. The first payment is due within 90 days of loan disbursement. Interest continues to accrue. This offer is subject to change without notice. Assuming an $18,000 loan amount, at 3.99% APR*, and a 3-year term you would make 36 monthly payments of $531.33. Assuming an $18,000 loan amount, at 4.70% APR*, and a 4-year term you would make 48 monthly payments of $412.07.

Rates effective 9/12/24.

CASH BACK
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 loans with Excel are not eligible for this promotion.

Please refer to the service contract for coverages, exclusions, terms, and conditions. Vehicle warranty plans are the products of CU Certified Automotive. EXCEL Federal Credit Union does not administer any portion of warranty plan. Mechanical Breakdown Protection is administered by a third-party provider. Please see our privacy policy for additional information on services offered by third parties. To learn more about MBP plans, contact us.

Please use our online calculators to determine payments for other rates & terms.

**2017 and older with mileage exceeding 85,000 may not qualify for the above stated rates. Please contact our loan department  at 770-441-9235 for full details.

*Annual Percentage Rate.
**Boats, RV and motorcycles. Based on credit approval and our underwriting practices. Rates and terms subject to change without notice.

Based on credit approval and our underwriting practices. Rates and terms are subject to change without notice. A sample payment for a $30,000 loan at 6.50% APR*, for a three year term, would be 36 monthly payments of $919.54. A sample payment for a $30,000 loan at 6.75% APR*, for a five year term, would be 60 monthly payments of $590.57.

***Home equity line of credit 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.

Our home equity line of credit rate is dependent on credit score and is variable and subject to change based on The Wall Street Journal’s published prime rate. We add 0.00 to 3.00% to the prime rate. The rate will never be more than 18.00%APR. Additional restrictions apply. See credit union for full details. Eligible properties must be in Georgia and include single-family detached and attached units, Planned Unit Developments (PUD), and condominiums. Qualified homes must be owner-occupied and the principal residence of the borrower. Investment properties, vacant lots, purchase money seconds, and manufactured homes are not eligible. Rates are subject to change without notice.

*APR = Annual Percentage Rate

** APR Annual Percentage Rate

*** PRIME is a variable and subject to change based on The Wall Street Journal’s published prime rate.