Credit Cards & Loan Rates

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

All rates effective as of 07/15/2020
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%

New Vehicle Rates

All rates effective as of 07/15/2020
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%*

Used Vehicles Rates

All rates effective as of 07/15/2020
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%*

Older Vehicles Rates

All rates effective as of 07/15/2020
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%

New Motorcycle Rates

All rates effective as of 07/15/2020
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%

Used Motorcycle Rates

All rates effective as of 07/15/2020
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%

New & Used Personal Watercraft (jet ski), ATV, Snowmobile, New Utility Tractor & Riding Mowers

All rates effective as of 07/15/2020
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%

New Motorhome/RV, 5th Wheel & Trailer and Boat

All rates effective as of 07/15/2020
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%

Used Motorhome/RV, 5th Wheel & Trailer and Boat

All rates effective as of 07/15/2020
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%

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%

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%

Tuition Loan

Minimum Amount Maximum Amount Term APR
$1,000 $5,000 Up to 48 months 8.99%

Share Secured

Minimum Amount Maximum Amount Term APR
$1,000 Share account balance Up to 60 months Share rate plus 3.00%


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.

Step up to Membership

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.