Spring Newsletter

Hit the brakes for great rates!
If you’re shopping for a new car, you’ll surely hit the brakes for our auto loan rates! We’ve got great financing deals on new and used vehicles this spring. You can even use our auto buying service to find the exact car you want next. Plus, you can apply for your car loan and get pre-approved so you know exactly how much car you can afford before you shop.
- Competitive rates
- Up to $500 cash back*
- No payment for 90 days**
- Competitive Rates
- Further Discounted Loan Rates with direct deposit
- Low-cost GAP Plus with Deductible Assistance , debt protection or warranty coverage options. Get more for less with us.
- Easy repayment terms up to 84 months to fit your budget needs
Hit the brakes for our auto loan rates. Learn more and apply today!
*Annual Percentage Rate | All loans subject to credit approval. See credit union for full details.
Webinar for the Win – Earn the chance to win $1,000!
Our partner, BALANCE, is excited to launch the 7th Annual “Webinar for the Win” Sweepstakes where one lucky webinar attendee will win the $1,000 GRAND PRIZE!
The rules are simple. To enter, contestants just have to register and attend one of the free webinars in March, April or May (and stay for the whole thing). Webinars are live, online sessions that let people learn from and interact with an expert on today’s most popular financial topics. The more webinars you attend, the more entries you get into the contest!


Get started with Apple Pay and Apple Cash
To set up Apple Pay and Apple Cash for P2P payments, follow these quick and easy steps.
- Open the Wallet app on your iPhone.
- Tap the “+” icon to add your Excel credit or debit card.
- Verify your identity.
- Use the Apple Cash card within the Wallet app to send and receive money with others; essentially, Apple Cash is the P2P feature integrated within Apple Pay itself.
MasterCard Priceless Surprises
Attention debit cardholders! Every time you use your Excel debit MasterCard in-store/in-person at retailers between April 1 – December 31, 2025 you’ll get one entry into the MasterCard Priceless Surprises sweepstakes!
A random drawing will be conducted at the end of each monthly entry period and at the end of the promotion period. There will be twenty-five first prize winners each month. All winners will receive a MasterCard Prepaid card (from all MasterCard cardholders).
In addition, one Grand Prize Winner will be announced at the end of the promotion period. This single winner will receive a four night trip for two to a destination of the winner’s choice from the following options: San Juan, Punta Cana, or Bahamas.
Learn more and then start swiping and earning today!


Spring into savings with VISA!
Tired of paying the exorbitant interest rate on your current credit card? Apply to transfer your balance to a Visa credit card from the credit union and spring into savings with a lower rate and these many benefits:
We have four credit card options with rates as low as 9.00% APR* plus NO ANNUAL FEE.
Spring into savings with an Excel credit card. Learn more and apply now.
*Annual Percentage Rate | All loans subject to credit approval.
Get your home warm weather ready with a HELOC!
- Readily available funds to tap into repeatedly as needed
- Competitive rates and an easy, affordable repayment schedule
- Quick and easy application process
- Personalized service and answers to your questions
Use your home’s equity to fund your large expenses this year. Learn more and apply for your HELOC today!


Keeping our members safe: Learn how to spot and prevent AI financial scams
AI financial scams use artificial intelligence (AI) to trick people into giving away money or personal information. Get to know the most popular AI scams and the tips you can use to help prevent them.
- Chatbot Scams – Fake online chat encounters in which AI imitates a person, such as a customer support representative, and asks for your personal data.
- Deepfake Scams – Fake videos of real people (usually someone famous and/or admirable) who request that you donate money or visit a fake site to enter your data for a prize.
- Phishing Scams – Fake emails from a seemingly reputable and/or trustworthy person or organization asking for your personal information.
- Voice Cloning Scams – Imitated voice of a real person (usually a target’s loved one or a celebrity) who calls to request money or personal information.
To help protect yourself from falling victim to these and other AI scams, use these tips:
- Set up two-factor authentication on your online accounts.
- Verify all details of suspicious calls and emails before acting on anything.
- Avoid giving out personal information to any unsolicited party.
- Secure your social media profiles where important information can be gathered about you.
- Consider using an AI detection tool to identify potential scams.
If you have fallen victim to a financial scam, report it immediately to your credit union, law enforcement, and to www.ftc.gov.
2025 Annual Meeting Success
Excel’s recent Annual Meeting was a sincere success. We had many members turn out to learn more about the credit union’s current state and future plans. We elected our new Board members and enjoyed refreshments and giveaways. Thanks to all who attended!


Member Interest Special Announcements
Shred Day. Save the date of
2025 Scheduled Closings
Please mark your calendars for our 2025 holiday closings. As always, we encourage you to sign up for and utilize the Excel Mobile App and our online banking services, as well as our many Presto ATM locations for the ultimate in convenience and to keep your finances at your fingertips.
Memorial Day: Monday, May 26, 2025
Juneteenth: Thursday, June 19, 2025
Independence Day: Friday, July 4, 2025
Labor Day: Monday, September 1, 2025
Columbus Day: Monday, October 13, 2025
Veterans Day: Tuesday, November 11, 2025
Thanksgiving: Thursday and Friday, November 27 and 28, 2025
Christmas Day: Thursday, December 25, 2025
Also, as an ongoing commitment to provide better service to our members our Midtown location will be closed the last Tuesday of each month as we work to enhance the service each and every member receives.
