We offer superior auto loan rates for our members. Reach out today to learn how we can help you meet your goals.

A major accident can leave you owing more on your loan than your insurance covers, but Guaranteed Asset Protection (GAP) can help. If your vehicle is deemed a total loss due to an accident or theft, GAP may reduce or even eliminate the gap between what you owe and what insurance pays out. This protects you from significant shortfalls.

Click here to learn more.

Mileage can add up quickly, but the repair costs don’t have to. EXCEL has partnered with CU Certified Automotive to provide extended warranties as a more affordable option than more costly dealership warranties.

Nationwide protection
24/7/365 emergency roadside assistance
$0 deductible
Rental vehicle assistance
Plans for both new and used vehicles

Choose the plan that’s the right size for you:

• Powertrain - Covers 500+ essential parts like the engine, transmission, transfer case and drive axle.
• Standard - Covers 850+ parts including AC, suspension, steering, brakes, electrical, seals and gaskets.
• High-Tech - Covers 3,000+ parts including additional electrical, ABS, cooling, fuel system, AC, interior/exterior, seals, and gaskets.
• Comprehensive - Our most extensive coverage option. Covers 18,000+ parts and is "exclusionary" meaning it covers virtually all breakdowns except listed exclusions.

Life can get complicated when the unexpected happens. Protecting your loan balance or payments against events like death, disability, involuntary unemployment, or other life events could help safeguard your finances.

Our Life Plus protection option covers additional situations including accidental dismemberment, terminal illness, hospitalization, family medical leave, and more.

Purchasing this voluntary protection won't affect your loan approval. It simply acts as a safety net, giving you peace of mind by helping to protect your finances even when the unexpected occurs.

Whether you’re looking for a new or used car, Excel FCU has competitive car loan rates you’ll love.

Auto Loans
• Allow you to finance and purchase a vehicle
• Make regular payments plus interest over loan term
• Own the vehicle at the end of the loan
• Build equity in the vehicle over time

Auto Leases
• Temporary rental agreement
• Lower monthly payments compared to loan
• Do not own the car at the end of lease
• Option to return and lease a new car after term ends
• Will never build equity or own outside of lease buyout loan

Our auto loan calculator provides quick estimates of potential monthly payments based on details you input like vehicle price, down payment, trade-in value, loan term, and interest rate.

Key benefits include:

• Estimate potential monthly payments
• Explore different down payment and loan term scenarios
• See impact of extra principal payments
• Shop and negotiate better with estimate in hand
• Link to get pre-approved with us for accurate personalized quotes

While the calculator provides helpful estimates, connect with Excel FCU to get pre-qualified for a loan. As your local credit union, we proudly offer competitive rates and financing terms exclusively for members.

• Auto loans are available from banks, online lenders, dealerships, credit unions, etc.
• Local credit unions often offer favorable auto loan rates.

The best auto loan rates depend on your financial situation. It’s best to do research before you sign an offer letter so you can compare terms from multiple lenders first. Excel FCU offers special financing options for our members.

Paying extra each month is a smart move for your auto loan. Making extra payments can help you pay off your loan faster and save on interest charges over time:

• Can shave months or years off the loan term
• Builds your credit score by repaying as agreed
• Good credit opens doors for future lending needs

Consult your loan terms for prepayment policies.