Refer A Friend (Auto Refinance)

APR*: Annual Percentage Rate. Rates and terms are based on Excel FCU underwriting criteria, $3,000 minimum. Existing Excel FCU loans are ineligible for refinance. Discounted rates as low as 0.99% APR(based on 1.49% less 0.50% )with an Excel checking account in good standing with direct deposit and automatic loan payments. Or member may choose up to $500 cash back at loan disbursement, based on loan amount and rate as low as1.75% APR (based on 2.25% less 0.50%), with an Excel checking account in good standing with direct deposit and automatic loan payments. Loans paid off within 60 days are subject to recoupment of the cash back amount. First payment due within 90 days of loan disbursement, interest continues to accrue.

**Offer subject to change without notice.

Payment example: Assuming an $18,000 loan amount, a 0.99%APR, and a 5 year term, you would make 60 monthly payments of $307.62. Assuming an $18,000 loan amount, at 1.75%APR, and a 3 year term, you would make 36 monthly payments of $513.60.

Minimum/Maximum: The minimum loan amount is $3,000. Review your existing loans carefully to borrow the exact amount you need. Rates and terms will vary based on the minimum loan amount. Qualifying loan for Refer A Friend must be a minimum of $15,000 to receive the $200 incentive.***

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