Credit union · NCUA insured
Excel Federal Credit Union Auto Loan Rates
Excel Federal Credit Union auto loan rates start at 3.49% APR. Rates checked October 22, 2026.
How Excel Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near Atlanta, GA, where Excel Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Excel Federal Credit Union
– –
- Terms
- —
No ongoing APR published
Lowest rate
Go Energy Credit Union
3.59%APR
- Terms
- —
2nd-lowest rate
On The Grid Financial
3.75%APR
- Terms
- 49–60 months
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New & Used Auto Loans - 2020 & Newer
Vehicles 2020 & newer with less than 85,000 miles. Minimum auto loan amount is $3,000; terms over 72 months require a $20,000 minimum. Existing Excel FCU loans are ineligible for refinance. Rates and terms are based on underwriting criteria. Includes 0.50% APR discount for having an Excel checking account in good standing with payroll direct deposit and automatic loan payments.
| Terms | APR | Conditions |
|---|---|---|
| 36–84 months | 3.49%–17.20% | Rate includes a 0.50% discount with an Excel checking account in good standing, payroll direct deposit, and automatic loan payments. Terms greater than 72 months require a $20,000 minimum loan amount. First payment may be deferred up to 90 days from disbursement (interest continues to accrue). |
Sources (3)
All captured Oct 5, 2026
Who can join Excel Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, worships, or attends school in Forsyth, Fulton, Gwinnett, or Hall counties.
Family and household
- Immediate family members of members are eligible to join.
Cost to join
- Membership requires opening a savings account with a $5 deposit.
Membership information collected October 4, 2026.