Save the date for our upcoming Annual Meeting and plan to join us.

2021 Annual Meeting
Thursday, March 18, 2021
4:30 p.m. EST

Excel Federal Credit Union is committed to the financial future of our younger members. We proudly offer three $1,000 scholarships to students demonstrating academic, extracurricular, philanthropic and community excellence. The program offers an opportunity to showcase their scholastic and creative achievements through a video submission.

To apply, submit a one minute video answering the question: “Excel Federal Credit Union is committed to fostering financial literacy in the communities it serves. What is the most valuable financial lesson you’ve learned when preparing for the next steps for your future?”

Applications will be accepted through April 30, 2021 at 11:59 p.m. and will be reviewed by the scholarship panel. Recipients will be announced in May. Apply here!

Looking to create a better budget for 2021? You’re not alone! Almost everyone wants to find new ways to organize their finances and finding an app that allows you to do so on your phone is all the better. To follow is a list of free, budgeting apps available on iOS and Android devices.

1. Mint – Free app that syncs with your accounts to track real-time spending. Add categories, track bills, split transactions, set budgets, and get alerts if you exceed your spending threshold.
2. EveryDollar – Zero-based budgeting app that helps you track spending and budget for purchases. You can create a transaction each time you spend money to account for it in your budget.
3. PocketGuard – App that crunches the numbers to show how much money you have available after accounting for bills, spending and savings.
4. Wally – Helps you track your income and expenses while offering an overview of your remaining budget to help you avoid overspending.
5. Goodbudget – Based on the envelope system, the app allows multiple devices to access the same account, so you can share a budget with your family and assign money toward spending categories.
6. Personal Capital – Investment management tool that includes features to help you track your spending. Connect and monitor checking, savings, and credit card accounts, as well as IRAs, 401(k)s, mortgages, and loans.

Need to cut costs this winter? Consider these tips to save at home!

1. Air seal your home – Look for drafts, most commonly around the edges of doors and windows, and close them up with caulk and sweeps.

2. Lower your thermostat at home – Drop your resting temperature to a tolerable level and utilize blankets and warm clothing to adjust to your cooler home.

3. Set ceiling fans to run clockwise – Running your ceiling fans slowly clockwise pulls air upwards in the middle of the room, pushing the warmer air to the sides and down the wall.

4. Close blinds except during direct sunlight – Closed blinds add insulation to the windows. Unless you have direct sunlight warming your room, close them for extra warmth.

5. Humidify your air – Home humidifiers causes the air to feel warmer by adding moisture and it causes the air to hold the heat more effectively.

6. Replace filters – Dust coated filters keep air from flowing well in your home. Replace them regularly to keep the air flowing consistently.

7. Install LED bulbs – As your current lightbulbs burn out, replace them with LED bulbs which use about 20% of the energy.

While our branches will be closed to allow our associates to celebrate with friends and family, our digital banking tools are available 24/7/365! Login to online banking to pay bills, send money, transfer funds and more. Plus you can apply for loans online or by texting “Apply” to 770-441-9235.

New Year’s Day: Friday, January 1, 2021

Martin Luther King, Jr. Day: Monday, January 18, 2021

President’s Day: Monday, February 15, 2021