Credit union · NCUA insured
Excel Federal Credit Union CD Rates
Excel Federal Credit Union’s best CD rate is 4.00% APY on a 30-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Excel Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Atlanta, GA, where Excel Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Excel Federal Credit Union
4.50%APY
- Term
- 48 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $1,925
Share Certificates/CDs
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
CDC Federal Credit Union
4.59%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $459
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates/CDs
Up to 4.50%APY · 5 terms
Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Membership open to individuals who live, work, worship, or attend school in Forsyth, Fulton, Gwinnett, and Hall counties, and their immediate family members. Fixed rates compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPayroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield | 3.75% | $186 |
| 6 monthsSpecial promotional as-high-as rates of 3.60% APY for 6 months require direct deposit. Minimum $500 balance to earn stated APY | 3.60% | $178 |
| 12 monthsPayroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield | 4.00% | $400 |
| 24 monthsMinimum $500 balance to earn stated APY | 3.15% | $640 |
| 24 monthsPayroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield | 3.65% | $743 |
| 36 monthsMinimum $500 balance to earn stated annual percentage yield. (Note: footnote also lists 3.50% APY promotional rate for 3 years/36 months with payroll direct deposit) | 3.50% | $1,087 |
| 48 monthsPayroll direct deposit is required for special promotional as-high-as rate. Minimum $500 balance to earn stated annual percentage yield | 4.50% | $1,925 |
Excel Smart Money Share Certificate
4.00%APY · 1 term
Early withdrawal penalty fees will be imposed and can reduce earnings on accounts. Deposits NCUA insured to $250,000. Limited time promotional rate for a 30-month term and may expire at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsLimited time promotional rate of 4.00% APY for a 30-month term and may expire at any time. Minimum $500 balance required | 4.00% | $1,030 |
Sources (1)
- excelfcu.org/higher-yield-savings-deposit-accounts · captured Oct 15, 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.