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Rates

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Certificates, 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, and for information on limited time special promotional cerfiticate offers which may occur from time to time.

For more information about fees please see EXCEL fee schedule.

Account Type Terms Rate APY*
Share Certificates/CDs - $500.00 and above
$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.
6 months 4.67% 4.75%
1 year 5.05% 5.15%
2 years 4.18% 4.25%
3 years 3.36% 3.40%
4 years 3.45% 3.50%
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 0.60% 0.60%
$5,000 to $24,999.99 0.90% 0.90%
$25,000 to $49,999.99 1.39% 1.40%
$50,000 to $99.999.99 1.49% 1.50%
$100,000 and Above 1.74% 1.75%
ExcelChecking Accounts**
A $2,500 daily minimum balance is required to earn the stated annual percentage yield.
$2,500 and above 0.10% 0.10%
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%
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%
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 0.10% 0.10%
$1,000.00 to $2,499.99 0.10% 0.10%
$2,500 to $4,999.99 0.10% 0.10%
$5,000.00 and above 0.10% 0.10%
IRA Floating Rate
Speak with member services for more details regarding IRAs.
0.30% 0.30%
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%

*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 will reduce earnings.  Limited time promotional rates and terms may expire at any time. Deposits NCUA insured to $250,000. 

**Rates are current as of 1/26/24 and are subject to change without notice.

Consumer Loan Rates

Boats, RV and Motorcycles** Approximate Term Consumer APR* Daily Periodic Rate
Up to 120 months
(> 72 months requires $20,000 minimum)
6.50% to 18.00% .017808% to .049315%
Signature Loans
$200 Minimum 9.00% to 18.00% .024657% 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 9.00% to 18.00% .024657% 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 100%, rates as low as Prime***

*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 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.

                   
New & Used Auto Loans Approximate Term Consumer APR* Daily Periodic Rate
2018 & Newer & <85,000 miles 36 to 84 months (> 72 months requires $20,000 minimum) 4.99% to 17.75% .013672% to .048631%
**2017 & 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.

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 4.99% APR* is based on 5.49% 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 4.99% APR*, and a 3-year term you would make 36 monthly payments of $539.41. Assuming an $18,000 loan amount, at 5.49% APR*, and a 4-year term you would make 48 monthly payments of $418.57. Assuming an $18,000 loan amount, at 5.49% APR*, and a 5-year term you would make 60 monthly payments of $343.76.

Rates effective 1/26/24.

**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.
Contact member services at 770-441-9235 for more details.

Business Loan Rates*

Product Credit Limit APR**
Visa Business Credit Card Up to $25,000 12.50%
Business Line of Credit Up to $100,000 Variable Rate Based on Prime***
Equipment Up to $100,000 Variable Rate Based on Loan***
Commercial Real Estate Loan Up to $500,000 Variable Rate Based on Prime***
Commercial Real Estate Loan 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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