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.
Our MoneyLine Phone Banking service will no longer be available after May 1st. Please contact us with any questions.

Up to $500 Cash Back on Auto Loans


Get quick, easy and affordable financing with an auto loan from EXCEL.


Up to $500 cash back*


Rates as low as 0.99%**


No Payments for 90 Days

It’s no secret that a new vehicle purchase can be stressful. But it doesn’t have to be! Get quick, easy and affordable financing with an auto loan from EXCEL. Refinance your auto loan with EXCEL and enjoy rates as low as 0.99% APR* for up to 36 months when you sign up for auto pay with your EXCEL checking account with direct deposit. Plus, we’ll give you $500* cash and your first payment won’t be due for 90 days.

Consumer Loan Rates

New & Used Car Loans Approximate Term Consumer APR* Daily Periodic Rate
2016 & Newer & < 85,000 miles Up to 84 months (> 72 months requires $20,000 minimum) 2.25% to 16.94% .0081% to .04641%
2015 & Older & > 85,000 miles Older vehicles with mileage over 85,000 may be eligible for financing.
Contact member services at 770-441-9235 for more details.

The TLC your vehicle needs to go the extra miles.

Mileage can add up quickly, but the repair costs don’t have to. EXCEL has partnered with CU Certified Automotive to provide extended warranties as a more affordable option than more costly dealership warranties.

  • Nationwide protection
  • 24/7/365 emergency roadside assistance
  • $0 deductible
  • Rental vehicle assistance
  • Plans for both new and used vehicles

Choose the plan that’s the right size for you:

  • Powertrain covers 500+ parts and is designed to provide protection at a reasonable cost. Covers the engine, transmission, transfer case and drive axle.
  • Standard covers 850+ parts including air conditioner, front suspension, steering, breaks, electrical and seals and gaskets.
  • High-Tech covers 3,000+ parts including additional electrical, ABS brakes, cooling, fuel system, air conditioner, interior/exterior and seals and gaskets.
  • Comprehensive covers 18,000+ parts and is “exclusionary” coverage – meaning it covers all breakdowns except what’s listed in the contract under the exclusions section


Auto Insurance doesn’t cover everything.

A safety net for the unexpected.

While life is wonderful, it can get complicated when unexpected things happen. Protecting your loan balance or payments against death, disability or involuntary unemployment could help protect your finances.

Our Life Plus option adds protection for life events such as accidental dismemberment, terminal illness, hospitalization family medical leave and the loss of life of a non-protected dependent.

Purchasing protection is voluntary and won’t affect your loan approval.

In the event of... Death Disability Involuntary Unemployment
What happens... Protected borrower passes away. A covered disability occurs due to injury or illness. A covered job loss occurs.
It cancels this...
up to the contract maximums
Your payments or loan balance. Your loan payments. Your loan payments.
You may be eligible if you... Have an eligible loan. Are a permanent employee who is actively working. Are a permanent employee who is actively working.
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Found a loan that looks right for you? Let’s get started!