Hot temps have you dreaming of that pool again? You can borrow against the equity you’ve built up in your home to make that dream come true! No matter what the home improvement project, you can fund it with a HELOC* from the credit union.

Enjoy rates as low as 2.99% APR** for 2 years
Take advantage of our flexible terms
Check with your tax advisor about potential tax advantages

Make a splash before summer’s over and apply for your home equity line of credit today!

*Rates and terms vary depending on loan-to-value ratio, credit evaluation and underwriting requirements. All credit union loan programs, rates, terms and conditions are subject to credit approval and may change at any time without notice. | **Annual Percentage Rate.

There’s still plenty of summer left to enjoy some outdoor adventure! Shopping for a boat for those lakeside adventures? We can help. Need a RV to fulfill your cross-country travel dreams? We’ve got you covered.

For a limited time, you can earn cash back up to $500 on boats and RVs* and 0.5% APR** discount when you enroll in auto pay and direct deposit!!

Apply for your summer toy loan online today! Or text 770-441-9235 anytime.

*Up to $500 cash back at loan disbursement, based on 1% of loan amount. Loans paid off within 60 days are subject to recoupment of the cash back amount. **Annual Percentage Rate. Rates and terms are based on Excel FCU underwriting criteria, $3,000 minimum, subject to change without notice. Existing Excel FCU loans are ineligible. To qualify for 0.50% discount, must have an Excel FCU checking account in good standing with direct deposit and establish automatic loan payments. Limited time only.

One great way parents can teach their kids financial management is to allow them to take on a job and begin making their own money. Whether rewarded through allowance, cash from neighbors or an actual paycheck, parents can help their kids budget their earnings. To start, here are 12 job opportunities for kids of all ages to earn their own money.

1. Car Wash – Kids can set up a car wash in your driveway and invite neighbors.
2. Food Stand – Take the lemonade stand up a notch and offer packaged items such as chips, popsicles, or ice cream bars.
3. Yard Work – From raking leaves, laying pine straw and planting flowers to mowing lawns and weed eating, kids can always help neighbors (or parents) with lawn chores.
4. Pet-Sitting/Dog-walking/House Sitting – Older kids can offer friends peace of mind by caring for their homes and pets while they’re away.
5. Babysitting/Childcare – Kids can begin helping with childcare by offering an extra hand to busy parents who need to get some work done. This can then blossom into babysitting children while parents enjoy a night out.
6. Referee – Local rec and travel leagues hire teens and as referees and umpires.
7. Errand Runner – Older teens who can drive can run errands for neighbors who can’t or may not want to get out.
8. Lifeguard/Swim Instructor – Following lifeguard certification, teens can work at a local rec or aquatic center. Swim lessons are another opportunity to earn funds.
9. Grocery Stocker/Bagger – From stocking the shelves to bagging groceries and providing loading assistance, preteens and teens can earn great money at grocery stores.
10. Gold Caddy – Local golf courses are always looking for caddies to help out.
11. Retail Sales – With retailers on every corner, there are always opportunities for teens.
12. Food establishments – Whether fast food or sit-down service, foodservice is always looking for new hires.

There are more reasons than ever to love being a member of EXCEL Federal Credit Union.

Your credit union membership is about the trust and care of community, built around where you live, work and play. That’s why Excel FCU membership saves you money through exclusive member-only offers through our trusted partners. Through Love My Credit Union Rewards, credit union members have saved over $2 billion with offers like:

• Members can save up to $360 on their wireless bill by switching to no-contract wireless.
• Members can save up to 35% on IdentityIQ credit report monitoring and identity theft protection.
• Savings up to $15 on TurboTax federal products.
• Exclusive access to home tech support and protection with Asurion Home+.
• Exclusive discount from the TruStage Home & Auto Insurance Program.
• Members save on SimpliSafe, the #1 expert pick for home security.
• Exclusive access to the Love My Credit Union Rewards Powersports, RV & Boat Buying Program.
• Save on car maintenance + get $10 off your first service using CarAdvise.
• Save 40% on a 1-year membership to Sam’s Club.
• Build your credit history with rent and save up to 30% with Rental Kharma.
• Save $40 on Calm, the #1 app for meditation and sleep.
• Save on your Travel and Entertainment needs like Car Rentals, Hotels, Theme Parks, Movie Tickets and more!

Learn all about how your EXCEL Federal Credit Union membership gets you all these exclusive savings and more at www.LoveMyCreditUnion.org. Check them out and start enjoying credit union member benefits you never knew you had.