Credit union · NCUA insured
Excel Federal Credit Union Credit Card Rates
Excel Federal Credit Union credit cards start at 9.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Excel Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Atlanta, GA, where Excel Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Excel Federal Credit Union
9.00%APR
- Up to
- —
Platinum VISA®
Lowest rate
Faith Connection FCU
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Family First Credit Union
8.90%APR
- Up to
- 17.90% APR
Excel Federal Credit Union credit card score
88
Credit card score
Higher than 81% of U.S. banks and credit unions
- Purchase APRPurchase APR9.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Excel Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic VISA®
Granting of security interest in share accounts/cash deposits is required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.50% | $25 | Rate applies to purchases, balance transfers, and cash advances. Monthly periodic rate 1.375%. |
Sources (4)
- excelfcu.org/benefits-and-faqs-of-credit-cards
- excelfcu.org/consumer-loans
- excelfcu.org/rates
- excelfcu.org/visa-credit-card-disclosure
All captured Oct 7, 2026
Gold VISA®
Granting of security interest in share accounts/cash deposits is required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | Rate applies to purchases, balance transfers, and cash advances. Monthly periodic rate 1.000%. |
Sources (4)
- excelfcu.org/benefits-and-faqs-of-credit-cards
- excelfcu.org/consumer-loans
- excelfcu.org/rates
- excelfcu.org/visa-credit-card-disclosure
All captured Oct 7, 2026
New Start VISA®
Granting of security interest in share accounts/cash deposits is required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | $50 | Rate applies to purchases, balance transfers, and cash advances. Monthly periodic rate 1.499%. Minimum monthly payment is 3.00% of the total new balance plus past due minimum payments or $25.00, whichever is greater. |
Sources (4)
- excelfcu.org/benefits-and-faqs-of-credit-cards
- excelfcu.org/consumer-loans
- excelfcu.org/rates
- excelfcu.org/visa-credit-card-disclosure
All captured Oct 7, 2026
Platinum VISA®
Granting of security interest in share accounts/cash deposits is required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.00% | None | Rate applies to purchases, balance transfers, and cash advances. Monthly periodic rate 0.7500%. |
Sources (4)
- excelfcu.org/benefits-and-faqs-of-credit-cards
- excelfcu.org/consumer-loans
- excelfcu.org/rates
- excelfcu.org/visa-credit-card-disclosure
All captured Oct 7, 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.