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 4.80% APR* is based on 5.30% 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 4.80% APR*, and a 3-year term you would make 36 monthly payments of $537.90. 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 $343.78.

Rates effective 4/19/24.

**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.

A qualifying loan for the Refer-A-Friend program must be a minimum of $15,000 to receive the $200 incentive. Terms and conditions apply.

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.