Excel FCU will never ask you for your online banking information, pin number(s), or password(s). Beware of fraudsters posing as Excel FCU via text, email or phone. Do not hesitate to call the credit union directly if you have questionable requests for information.
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Juneteenth
Wednesday, June 19th

Midtown Branch Training
Tuesday, June 25th

Independence Day
Thursday, July 4th

Summer 2024 Newsletter

Sun’s out, funds out!

Save the date

Summer is in full swing, and the sun is out. It’s time to get your funds out too! If you’re shopping for a new or used car this season, look to us for your low-rate auto loan with so many extra benefits you won’t find most places. Talk to us and get your pre-approval today…maximize your negotiation power!

  • Rates as low as 4.80% APR*
  • Up to 84 months to finance
  • Cash back up to $500
  • Debt Protection
  • Our new GapPlus program
  • Warranty Program
  • Fast online application process

ALSO, look to us for our new auto buying service and avoid dealer hassles. Partnered with Auto Assistance, Excel is committed to bringing you the ultimate in convenience. It’s simple and your vehicle can be delivered to your door, or to the branch nearest you. There is no extra cost to members for this service. It’s our way of showing we’ve got you!

Now that the sun’s out, let us get your funds out. Apply for your auto loan.

Annual Percentage Rate. All loans subject to credit approval. Details apply. See credit union or click here for full details.

We care about our community

Meet us for fun in the park this summer! Look for our tent and team at Thrasher Park in Norcross this summer and enjoy music and the community at its best.

  • July 19 – Troubadour Project Band
  • August 2 – The Black Jacket Symphony
  • August 16 – The Geek Squad
  • August 30 – Queen Nation

Find more concert details at https://www.norcrossga.net/2070/Summer-Concert-Series and remember to come by and say hello and receive your free Excel gift (limited quantities). Bring your chairs, reserve a table, or bring a blanket and your family too. Dance the night away. Excel is EXCELling in the community and helping our members and new members enjoy the many benefits EXCEL offers. Spread the word!

2022 Scholarship

2024 Scholarship Recipients

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Congratulations to this year’s recipients of the Excel 2024 Scholarship program. Each year Excel awards three scholarships of $1000 each to three deserving graduating seniors from our communities who will be pursuing college in the Fall. It is just another way we show we care. We care about brightening young futures and will be watchful as each of these recipients display positive impacts in their educational, community and life journeys.

President Tom Hayden awards three $1000 checks to the 2024 Excel Scholarship recipients: Isaac Linne (left), Macayla Hutsler, and Tansen Hayden (right).

A new look. A new website…COMING SOON!

The new Excel FCU website is coming very soon! Designed with you, our member, in mind. We hope you will find it easier to navigate the ins and outs of all that Excel has to offer. As your trusted financial partner, we are working every day to improve your Excel experience. Stay tuned to our current website and social channels for launch details!
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Open a HELOC! Don’t delay.

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Did you know once you open a home equity line of credit (HELOC), you can tap into the funds repeatedly as you need them? You only pay interest on the funds you take out, and the best part is, you can use the funds to cover just about anything including upgrades to your home, debt consolidation, pay for big-ticket expenses, or simply have availability of funds to cover an emergency in the unforeseen need for that arises. Enjoy annual percentage rates as low 6.49* fixed for two years and NO CLOSING COSTS up to $1500 …. Plus, we offer up to 100% loan to value of your home! Now is the time to act as equity in homes is at an all-time high.

We’ve got you … Open your HELOC and gain easy access to funds at a moment’s notice so that you have funds when you need them.

Get started today!

Loans for however you like to roll! Get your summer toys now.

You let us know how you like to roll, and we’ll help fund your summer fun! Whether you want to hit the open road in a camper or motorcycle, or hit the waves in your new boat, we can finance your RV, boat, or motorcycle loan. Enjoy your family and friends this summer. Let us help.

Choose the way you want to roll and apply for your RV, boat, or motorcycle loan today.

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Sizzling summer credit card special

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Looking for a competitive credit card loaded with benefits? Apply for our VISA® this summer and you’ll enjoy:

  • Competitive 9.00% APR* rate.
  • No annual fee.
  • 25-day grace period on purchases.
  • Easy Online and mobile account management and payments.
  • Rewards points redeemable for travel, merchandise, entertainment tickets, and more!

Sign up today and enjoy. Click here for full details.

Gift your family members with EXCEL membership today.

You have come to know us as your number one financial resource, your trusted financial partner and for excelling in service. Once you joined did you know your immediate family members became eligible to join too? Make sure they know they too can access the many benefits membership with Excel has to offer – because you are a member. The ability to join is available online and is fast and easy. Help us grow.

Gift today … it only takes a mention.

  • Personal service with a smile.
  • Low loan rates.
  • Access to a full suite of convenient banking tools.
  • A voice in elections of the Board of Directors.
  • With us you are part owner – not just a number.
  • Lifetime membership even with a move, job change , or retirement.
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Stay in touch while traveling this summer. All you need is your smartphone.

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No matter how far you roam while vacationing this summer, you can keep in touch with your money. Get to know the many remote account access options you have at the credit union. Everything you need at your fingertips.

Easily manage your finances from afar!

  • Mobile Banking – Download the Excel app from the Google Play or Apple App store.
  • Online Banking & Bill Pay at www.excelfcu.org.
  • Mobile Pay – Download the mobile device wallet app of your choice (Apple Pay®, Google Pay™, or Samsung Pay®) and enter your card details
  • VISA® Credit Card – Low rates and pay as you go during your travels.
  • MASTERCARD® Debit – Pay on the go with your Excel debit card.
  • ATM Access via our Presto network – Don’t pay unnecessary surcharges.

Make sure to keep in touch during your summer travels by exploring our many flexible banking and payment options. We’ve got you!

Traveling this summer? Do these 7 things before you leave!

Whether you’re headed away for a few days or a few weeks this summer, do these 7 things before you leave. This list can help protect your home and valuables while you’re gone and ensure peace of mind during your travels.

1. Notify your credit card company – You’ll want to make sure your credit card works during your travels and you have enough available credit to cover your expenditures. Let us know.

2. Contact your cellular provider – If you’re traveling abroad, your cell service provider can help you set up the least expensive plan for making calls, sending texts, and/or accessing the Internet from your device.

3. Pay your bills – If you have bills with due dates during your travel, make sure to pay early or schedule those payments accordingly via online banking.

4. Clean out your wallet – Clean out your wallet of any items you won’t need during travel. This could include loyalty cards, gift cards, extra credit cards, etc. The less you carry, the less to worry about should your wallet become misplaced.

5. Manage your mail – Place a hold on your mail delivery or ask a neighbor to collect your mail while you’re gone to eliminate the chance of it getting stolen.

6. Secure your home – Before you leave home, make sure to lock all entry points, set your alarms and light timers, set your HVAC to lower your usage, and disconnect any electronics not plugged into a surge protector.

7. Unplug from social media – Do not broadcast on social media that you are away from home as this can alert burglars your house is empty.

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Cyber Tips

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Protect your data online with these cyber tips and remember we will never contact you to ask for your online banking information, pin number(s) or password(s).

In a growing age of fraud, beware of fraudsters posing as Excel FCU via text, email or phone. We’ve got you and encourage you to call us directly if you have any questionable request for information. Additionally, take these steps to protect your digital assets and information from cyber threats. By practicing the following good cyber hygiene tips, you can ensure the safety and security of your digital assets and information while online!

1. Turn on Multifactor Authentication – MFA is an effective security measure that requires an extra form of identification (PIN, fingerprint, confirmation text), on top of your password, when trying to access your accounts.

2. Update Your Software – Keeping your devices up to date with the latest security patches and utilizing automatic updates for operating systems, antivirus software, and applications will help protect your data from cybercrime.

3. Recognize and Report Phishing – Be cautious of unsolicited phishing emails, texts, and calls that ask for personal information. Don’t click on links or attachments from unknown sources and avoid sharing sensitive information or credentials over the phone or email.

4. Use Strong Passwords – Make sure your passwords are long, unique, random, and include all four-character types. Password managers are great tools to create and store passwords for you.

Tips for students headed to college

Are you or someone you know headed to college for the first time this fall? Your new independence and expectations for success can make the process overwhelming. Just stay calm and consider these tips to make the transition a breeze!

1. Get ahead and stay ahead – It’s a lot easier to earn a good grade if you start the semester with your best foot forward. Commit to your classes and the new study schedule on day one and stay ahead as long as you can to avoid playing catch up later.

2. Create a routine – Develop a routine with a designated time to wake up, eat, attend classes, study, workout, and rest. A well-planned routine will keep you feeling accomplished and focused.

3. Make a to-do list – Start small by writing down your plans for each day and then see if it helps boost your productivity.

4. Create a study zone – Find a quiet and clean area and designate it as your go-to study space. Often visiting a location outside your home to study (such as the library) can keep you free of distractions and boost your productivity.

5. Take breaks – Take breaks every hour or so during your studies to stretch your legs, have a snack, and refresh your mind.

6. Meet professors and stay engaged – Visiting your professors during their office hours can show your interest and commitment to the class as well as give you an opportunity to ask questions for understanding.

7. Manage Stress – If you’re feeling stressed, take a time out and find a go-to stress relieving exercise or activity to help you regroup. If the stress becomes more than you can handle alone, ask for help.

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Holidays

Holiday Closings

Independence Day – Thursday, July 4, 2024
Labor Day – Monday, September 2, 2024
Columbus Day – Monday, October 14, 2024
Veterans’ Day (Observed) – Monday, November 11, 2024