Our goal is to keep your costs under control
Low rates help you pay less for almost everything
Everyone wants the best deal possible. No one wants to spend more on a product or service than they have to. Our low rates on credit cards and personal loans mean you're not paying jacked up prices on the things you buy with the cards or cash, helping you make the most of every dollar.
Visa Credit Cards Rates
| APR on Purchases (as low as) | APR on Cash Advances (as low as) | |
|---|---|---|
| Cash Rewards | 9.90% | 11.90% |
| Travel Rewards | 9.90% | 11.90% |
| Business | 12.74% | 14.74% |
| Secured | 14.74% | 16.74% |
Rate discounts do not apply to Home Equity Loans or Home Equity Lines of Credit, Visa Accounts or Personal Line of Credit or Share Certificate Secured. The current regular rate is disclosed in our credit card Application and Solicitation Disclosure.
New Vehicle Rates
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 60 Months | 2.24%* |
| $15,000 | 72 Months | 2.74%* |
| $20,000 | 84 Months | 3.24%* |
*Rate reflects a max. 1% discount for the following: 0.25% discount for having an Excite Mortgage, Credit Card or Checking account; 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; and a 0.50% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on.
New vehicles are model year 2019 or newer with less than 20,000 miles. Excite may finance up to 125% of MSRP or Kelley Blue Book retail value (1) plus tax, license, mechanical breakdown insurance and gap insurance.
No commercial vehicles. Trucks and vans limited to one ton.
Additional specialty programs may be available with separate pricing and terms such as, but not limited to, the First Time Auto Buyer Program. Contact a representative for details, terms and conditions.
Used Vehicles Rates
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 60 Months | 2.24%* |
| $15,000 | 72 Months | 2.74%* |
| $20,000 | 84 Months | 3.24%* |
*Rate reflects a max. 1% discount for the following: 0.25% discount for having an Excite Mortgage, Credit Card or Checking account; 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; and a 0.50% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on.
Used vehicles are model year 2013 to 2018. Model year 2019 with more than 20,000 miles; 150,000 mile maximum. Excite may finance up to 125% of Kelley Blue Book retail value plus (1) tax, license, mechanical breakdown insurance and GAP insurance.
No commercial vehicles. Trucks and vans limited to one ton.
Additional specialty programs may be available with separate pricing and terms such as, but not limited to, the First Time Auto Buyer Program. Contact a representative for details, terms and conditions.
Older Vehicles Rates
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 48 Months | 4.74% |
| $5,000 | 60 Months | 5.24% |
| $5,000 | 72 Months | 5.74% |
| $5,000 | 84 Months | 5.99% |
*Rate reflects a max. 1% discount for the following: 0.25% discount for having a Mortgage, Credit Card or Checking account; 0.25% discount for having Auto Pay; 0.25% discount for Digital Funding; and a 0.50% discount for Electric Vehicles. If the amount financed is under $10,000 there will be a 0.50% rate add-on. If the vehicle has 100,000 miles or more there will be a 0.25% rate add-on.
Older vehicles are model years 2006 to 2012; 150,000 mile maximum. Excite may finance up to 115% of Kelley Blue Book Retail Value including tax, license, mechanical breakdown insurance and gap insurance.
Additional terms and rates may be available.
Additional specialty programs may be available with separate pricing and terms such as, but not limited to, the First Time Auto Buyer Program. Contact a representative for details, terms and conditions.
New Motorcycle Rates
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 48 Months | 4.99% |
| $5,000 | 60 Months | 5.49% |
| $15,000 | 72 Months | 5.74% |
New motorcycles are model years 2020 or newer. Excite may finance up to 115% of MSRP on New Motorcycles including Tax, License, and warranty. Maximum amount financed is $50K.
Used Motorcycle Rates
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 48 Months | 5.24% |
| $5,000 | 60 Months | 5.74% |
| $15,000 | 72 Months | 5.99% |
Used motorcycles are model years 2010 to 2019. Excite may finance up to 115% of Kelly Blue Book on used Motorcycles including Tax, License, and warranty.
New & Used Personal Watercraft (jet ski), ATV, Snowmobile, New Utility Tractor & Riding Mowers
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $2,000 | 24 - 48 Months | 5.49% |
| $5,000 | 60 Months | 5.99% |
| $15,000 | 72 Months | 6.24% |
Jet Ski model years 2010-2020, min. amount financed $5K, max. amount financed $35K. Excite may finance up to 100% of MSRP on New Jet Skis, ATVs, Snow Mobiles, Utility Tractors and Riding Mowers and up to 100% of Kelly Blue Book value including tax, license, and warranty.
New Motorhome/RV, 5th Wheel & Trailer and Boat
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 60 Months | 4.99% |
| $15,000 | 72 Months | 5.24% |
| $25,000 | 84 Months | 5.49% |
| $50,000 | 120 Months | 6.49% |
New Motorhomes/RV 5th Wheel & Trailers and Boats are models 2020 & Newer. Excite may finance up to 115% MSRP on New Boats & RV's. Maximum boat loan amount is $75,000 and terms up to 120 months, maximum length allowed is 44 feet. No financing for yachts. Maximum loan amount for RV's is $150,000. Rate ad-on: .25% for mileage over 100K and .50% for balances below $10K.
Longer terms and rates may be available.
Used Motorhome/RV, 5th Wheel & Trailer and Boat
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 60 Months | 5.24% |
| $15,000 | 72 Months | 5.24% |
| $25,000 | 84 Months | 5.74% |
| $50,000 | 120 Months | 6.74% |
Used Motorhomes/RV 5th Wheel & Trailers and Boats are 2010 to 2019 - Excite may finance up to 115% MSRP on Used Boats & RV's. Maximum boat loan amount is $75,000 and terms up to 120 months, maximum length allowed is 44 feet. No financing for yachts. Maximum loan amount for RV's is $150,000. A Marine Appraisal may be required on used boats. Rate ad-on: .25% for mileage over 100K and .50% for balances below $10K.
Longer terms and rates may be available.
Personal Loan
Fixed payment and term
| Minimum Credit Line | Maximum Amount | Term | APR |
|---|---|---|---|
| $1,000 | $20,000 | 12 Months | as low as 5.99% |
| $1,000 | $20,000 | 24 Months | as low as 6.49% |
| $1,000 | $20,000 | 36 Months | as low as 6.99% |
| $1,000 | $20,000 | 48 Months | as low as 7.49% |
| $1,000 | $20,000 | 60 months | as low as 7.99% |
Fixed payment loan
Personal Line of Credit
Revolving credit - no fixed term.
| Minimum Credit Line | Maximum Credit Line | APR |
|---|---|---|
| $1,000 | $20,000 | as low as 10.40% |
Revolving credit limit determined on individual basis, depending on qualifications
Tuition Loan
| Minimum Amount | Maximum Amount | Term | APR |
|---|---|---|---|
| $1,000 | $5,000 | Up to 48 months | 8.99% |
Fixed payment loan
Share Secured
| Minimum Amount | Maximum Amount | Term | APR |
|---|---|---|---|
| $1,000 | Share account balance | Up to 60 months | Share rate plus 3.00% |
Secured by share certificate
Legal Mumbo Jumbo:
Excite Credit Union extends vehicle loans under an open-end program. O.A.C. means On Approved Credit. All loan commitments such as rate, term, loan amount and down payment requirements, etc. will be based on the credit worthiness and ability of the applicant(s) to meet the required loan pay off schedule. Our best rates are available to members who have a proven ability to manage their credit in an exemplary manner and the ability to effectively manage their level of unsecured debt while building assets. The maximum combined Personal Loan and Personal line-of-credit limit for members who are fully qualified is $50,000. The maximum secured loan limit for fully-qualified members (excluding those secured by pledged shares) is $2,000,000. Share Secured loans and Share Certificate Secured loans have a floor rate of 5.00%.
These rates are current as of today, but are subject to change at any time.