What are the current interest rates at Excel Federal Credit Union?

Current rates for Excel Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 3.65%, Savings: 0.10%, MMA: 0.50%

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Excel Federal Credit Union

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Excel Federal Credit Union Rates & Review September 2026

Q: Is a member application needed to join Excel Federal Credit Union?

Yes, to access services at Excel Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Excel Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Excel Federal Credit Union's 30 Month Excel Smart Money CD rates are at 4.00%, 1 Year CDs/CDs rates are at 3.75%, 12 month CDs rates are at 3.75%, 2 Year CDs/CDs rates are at 3.65%, 24 Month CDs rates are at 3.65%. Excel Federal Credit Union's savings rates are at 0.10%. Excel Federal Credit Union's money market rates are at 0.50%. Excel Federal Credit Union's Personal Loan Rates are as low as 9.00%. Excel Federal Credit Union's Credit Card Rates are at 9.00%. MonitorBankRates evaluates the financial stability of Excel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.31%. Rates last updated and verified on 09/20/2026.

Excel Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Excel Federal Credit Union? Share your experience about Excel Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Excel Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.31%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Excel Federal Credit Union
Main Office

5070 Peachtree Industrial Blvd
Peachtree Corners, GA 30071-1587

https://www.excelfcu.org

Excel Federal Credit Union CD Rates

Product	Rate	APY	Term
30 Month Excel Smart Money Share Certificate	-	4.00%	30 month
Min Deposit $500 Min Balance $500 Details This is a limited time promotional rate of 4.00% APY* and for a 30-month term and may expire at any time. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
1 Year Share Certificates/CDs	3.70%	3.75%	1 year
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
12 month Share Certificates	-	3.75%	12 months
Min Deposit $500 Min Balance $500 Details For special promotional as-high-as rate of 3.75% APY* for 12 months, as-high-as rate of 3.65% APY* for 24 months, and as-high-as rate of 3.60% APY* for 6 months, payroll direct deposit is required. Promotional rates may expire at any time and are subject to change without notice. These special promotional rates/terms are current effective 8/7/2026. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
2 Year Share Certificates/CDs	3.60%	3.65%	2 years
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
24 Month Share Certificates	-	3.65%	24 Month
Min Deposit $500 Min Balance $500 Details For special promotional as-high-as rate of 3.75% APY* for 12 months, as-high-as rate of 3.65% APY* for 24 months, and as-high-as rate of 3.60% APY* for 6 months, payroll direct deposit is required. Promotional rates may expire at any time and are subject to change without notice. These special promotional rates/terms are current effective 8/7/2026. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
6 Month Share Certificates/CDs	3.55%	3.60%	6 months
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
3 Year Share Certificates/CDs	3.11%	3.15%	3 years
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
4 Year Share Certificates/CDs	3.11%	3.15%	4 years
Min Deposit $500 Min Balance $500 Details An early withdrawal penalty fee is imposed for withdrawals from a certificate account prior to the term renewal date. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Excel Federal Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.25%	0.25%
Min Deposit $5 Min Balance $5 Details A $5.00 minimum balance must be maintained in the account each day to obtain the disclosed annual percentage yield. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Savings Account	0.10%	0.10%
Min Deposit $10 Min Balance $100 Details Condition: $100 and above. A minimum daily balance of $100 is required in this account each day to obtain the disclosed annual percentage yield. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Excel Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.24%	1.25%
Min Deposit $1,000 Min Balance $50,000 Details Term: $50,000 to $99,999.99; Balance: $50,000 to $99,999.99. $1,000 is required to open the account and a minimum balance of $1,000 is required to earn the stated annual percentage yield. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Money Market Account	1.19%	1.20%
Min Deposit $1,000 Min Balance $25,000 Details Term: $25,000 to $49,999.99; Balance: $25,000 to $49,999.99. $1,000 is required to open the account and a minimum balance of $1,000 is required to earn the stated annual percentage yield. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Money Market Account	0.90%	0.90%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000 to $24,999.99. $1,000 is required to open the account and a minimum balance of $1,000 is required to earn the stated annual percentage yield. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Money Market Account	0.50%	0.50%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $4,999.99. $1,000 is required to open the account and a minimum balance of $1,000 is required to earn the stated annual percentage yield. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Excel Federal Credit Union Checking Rates

Product	Rate	APY
Business Checking	0.15%	0.15%
Min Deposit $100 Min Balance $5,000 Details Condition: $5,000 and above. An average daily balance of $5,000 each day is required to earn monthly dividends. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
ExcelChecking Accounts	0.10%	0.10%
Min Balance $2,500 Details Condition: $2,500 and above. A $2,500 daily minimum balance is required to earn the stated annual percentage yield. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
PlatinumChecking Accounts	0.10%	0.10%
Min Balance $2,500 Details Condition: $2,500 and above. A $2,500 daily minimum balance is required to earn the stated annual percentage yield. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Excel Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	4.99%
Details Qualifications Required: Credit score of 740; Introductory rate is fixed for first 2 years. Introductory rate on loans of up to 80% LTV are as low as 4.99% APR based on a credit score of 740. Your rate may differ. After the introductory rate, the rate is variable and based on The Wall Street Journal's prime rate plus 0.00 to 3.00%, with a floor rate of 4.00% APR. Maximum APR of 18%. Prime APR 6.75% as of 12/11/2025. The maximum LTV is 100%. The maximum loan amount depends on factors like creditworthiness and collateral. Minimum line of credit is $10,000. Rates and terms are subject to change without notice. Member must carry homeowners' insurance on the property that secures the HELOC. Eligible properties must be in GA and include single-family detached and attached units, Planned Unit Developments (PUD), and condominiums. Qualified homes must be owner-occupied and the principal residence of the borrower. Investment properties, vacant lots, purchase money seconds, and manufactured homes are not eligible. Closing costs up to a maximum of $1,500 paid by Excel. Consult a tax professional regarding the potential deductibility of interest. Other conditions and restrictions may apply. Rates shown are Annual Percentage Rate (APR). NMLS # 571411. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Home Equity Platinum VISA	-	-	9.00%
Details Regular APR: 9.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Home Equity Gold VISA	-	-	12.00%
Details Regular APR: 12.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Excel Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boats, RV and Motorcycles Loan	-	6.50%	Up to 120 months
Details Published APR range: 6.50% to 18.00%. Daily Periodic Rate: .017808% to .049315%; >72 months requires $20,000 minimum Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Excel Federal Credit Union Credit Card Rates

Product	Rate	APR
Home Equity Platinum VISA	-	9.00%
Details Regular APR: 9.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Home Equity Gold VISA	-	12.00%
Details Regular APR: 12.00% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Excel Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loans	9.00%
Details Published APR range: 9.00% to 18.00%. Daily Periodic Rate: .024657% to .049315% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%
Personal Line of Credit	14.90%
Details Daily Periodic Rate: .040821% Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Excel Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Floating Rate	0.30%	-	0.30%
Details Speak with member services for more details regarding IRAs. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.31%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Excel Federal Credit Union’s Texas Ratio stayed near 3.38% in Q2 2023 to 3.31% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$173M	3.31%	5.0	A+
December 31, 2025	$167M	4.07%	5.0	A+
September 30, 2025	$172M	3.62%	5.0	A+
June 30, 2025	$171M	4.40%	5.0	A+
March 31, 2025	$173M	3.00%	5.0	A+
December 31, 2024	$171M	5.06%	5.0	A+
September 30, 2024	$176M	4.94%	5.0	A+
June 30, 2024	$170M	5.40%	5.0	A+
March 31, 2024	$169M	5.45%	5.0	A+
December 31, 2023	$164M	5.31%	5.0	A+
September 30, 2023	$163M	3.93%	5.0	A+
June 30, 2023	$169M	3.38%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Excel Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Excel Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Excel Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Excel Federal Credit Union

Website https://www.excelfcu.org

Address 5070 Peachtree Industrial Blvd, Peachtree Corners, GA 30071-1587

Phone 770-441-9235

Fax 770-582-3877

President Moses Brown

CEO Thomas Hayden

Full-Time Employees 43

Part-Time Employees 1

Branch Locations 2

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.31%

Return on Assets (ROA)

0.2725%

Return on Equity (ROE)

2.0410%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

173,150,717

Total Amount of Shares and Deposits

115,208,192

Total Shares and Deposits < 1 Year

110,331,764

Total Shares and Deposits 1 3 Years

4,776,404

Total Shares and Deposits > 3 Years

100,024

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

4,840,088

Total Uninsured Shares and Deposits > $250K (F+J)

4,840,088

Total Insured Shares and Deposits > $250K (item 17 less item K)

110,368,104

Total Interest Expense (Sum of items 6 8)

331,857

Share Certificates

999

Number of Accounts for Share Drafts

5,971

IRA KEOGH Accounts

360

Number of Accounts for Regular Shares

11,594

All other shares

1,286

Money Market Shares

773

Net Income (unless the amount is already included in Undivided Earnings)

471,870

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

28,629,291

Total Liabilities

149,536,089

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Excel Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Excel Federal Credit Union

How many branches does Excel Federal Credit Union operate?

Excel Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Excel Federal Credit Union?

Yes, to access services at Excel Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Excel Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Excel Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Excel Federal Credit Union offer online and mobile banking?

Most modern institutions like Excel Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.excelfcu.org.

Current Excel Federal Credit Union Rates

12-Month CD3.75%
24-Month CD3.65%
Savings0.10%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Excel Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Excel Federal Credit Union Texas Ratio

Excel Federal Credit Union Health Trend

Excel Federal Credit Union CD Rates

Excel Federal Credit Union Savings Rates

Excel Federal Credit Union Money Market Rates

Excel Federal Credit Union Checking Rates

Excel Federal Credit Union Home Equity & HELOC

Excel Federal Credit Union RV, Boat and Powersport Loan Rates

Excel Federal Credit Union Credit Card Rates

Excel Federal Credit Union Personal Loan Rates

Excel Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Excel Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Excel Federal Credit Union

How many branches does Excel Federal Credit Union operate?

Is a member application needed to join Excel Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Excel Federal Credit Union offer online and mobile banking?

Current Excel Federal Credit Union Rates

Compare to Other Credit Unions