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 | 14.15% | 16.15% |
| Travel Rewards | 14.15% | 16.15% |
| Platinum | 12.15% | 14.15% |
| Business | 16.99% | 18.99% |
| Secured | 18.99% | 20.99% |
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
New vehicles are model year 2024 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.
| Min. Loan Amt. | Term | APR (as low as) |
|---|---|---|
| $5,000 | up to 48 months | 5.25%* |
| $5,000 | 49 - 60 months | 6.00%* |
| $15,000 | 61 - 72 months | 6.50%* |
| $20,000 | 73 - 84 months | 6.75%* |
*Rate reflects a max. .25% discount for one of the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; or a 0.25% 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.
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 Vehicle Rates
Used vehicles are model year 2018 to 2023. Model year 2024/2025 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.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | up to 48 months | 6.00%* |
| $5,000 | 49 - 60 months | 6.25%* |
| $15,000 | 61 - 72 months | 6.75%* |
| $20,000 | 73 - 84 months | 7.00%* |
*Rate reflects a max. .25% discount for one of the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; or a 0.25% 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.
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 Vehicle Rates
Older vehicles are model years 2011 to 2017; 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.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 48 months | 7.50%* |
| $5,000 | 60 months | 7.75%* |
| $5,000 | 72 months | 8.25%* |
| $5,000 | 84 months | 8.50%* |
*Rate reflects a max. .25% discount for the following: 0.25% discount for having Auto Pay; 0.25% discount if the Loan to Value (LTV) ratio is ≤ 85%; and a 0.25% 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.
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
New motorcycles are model years 2025 or newer.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 48 months | 9.74% |
| $5,000 | 60 months | 9.74% |
| $15,000 | 72 months | 9.99% |
Excite may finance up to 115% of MSRP on New Motorcycles including Tax, License, and warranty. Maximum amount financed is $50K. 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. If Auto Pay or ACH is NOT set up during origination there will be a 0.25% rate add-on.
Used Motorcycle Rates
Used motorcycles are model years 2015 to 2024.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 48 months | 9.74% |
| $5,000 | 60 months | 9.74% |
| $15,000 | 72 months | 9.99% |
Excite may finance up to 115% of Kelly Blue Book on used Motorcycles including Tax, License, and warranty. 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. If Auto Pay or ACH is NOT set up during origination there will be a 0.25% rate add-on.
New Motorhome/RV, 5th Wheel & Trailer and Boat Rates
New Motorhomes/RV 5th Wheel & Trailers and Boats are models 2025 & Newer.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 60 months | 9.74% |
| $15,000 | 72 months | 9.99% |
| $25,000 | 84 months | 10.24% |
| $50,000 | 120 months | 11.24% |
| $50,000 | 121 - 144 months (RV ONLY) | 12.24% |
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. 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. If Auto Pay or ACH is NOT set up during origination there will be a 0.25% rate add-on.
Longer terms and rates may be available.
Used Motorhome/RV, 5th Wheel & Trailer and Boat Rates
Used Motorhomes/RV 5th Wheel & Trailers and Boats are 2015 to 2024.
| Minimum Amount | Term | APR (as low as) |
|---|---|---|
| $5,000 | 24 - 60 months | 9.99% |
| $15,000 | 72 months | 10.24% |
| $25,000 | 84 months | 10.49% |
| $50,000 | 120 months | 11.74% |
| $50.000 | 121 - 144 months (RV ONLY) | 12.74% |
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. 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. If Auto Pay or ACH is NOT set up during origination there will be a 0.25% rate add-on.
Longer terms and rates may be available.
Personal Loan Rates
Fixed payment and term.
| Min. Loan Amount | Max. Loan Amount | Term | APR (as low as) |
|---|---|---|---|
| $1,000 | $20,000 | 12 months | 9.24% |
| $2,500 | $20,000 | 24 months | 9.74% |
| $5,000 | $20,000 | 36 months | 10.24% |
| $5,000 | $20,000 | 48 months | 10.74% |
| $5,000 | $20,000 | 60 months | 11.24% |
*Rate reflects .25% discount for having Auto Pay
Share Secured Loan Rates
Secured by the funds in your share account.
| Min. Loan Amt. | Max. Loan Amount | Term | APR |
|---|---|---|---|
| $1,000 | Share account balance | up to 60 months | Share rate plus 3.00% |
The loan amount must not exceed the total dollar amount of shares held on deposit by the member.
Helping Hand Loan Rates
When you need a hand.
| APR | Fee | Loan Amount | Term |
|---|---|---|---|
| 0% | $20 Loan Origination | $300 - $500 | up to 3 months |
Maximum of one Helping Hand loan at a time. Member may not exceed 3 Helping Hand loans within a 6 month rolling period. Helping Hand loan must be paid in full prior to requesting additional Helping Hand loans. No loan discounts apply.
Paycycle Loan Rates
Short term assistance for unexpected expenses.
| APR | Fee | Loan Amount | Term |
|---|---|---|---|
| 18% | None | $750 - $2,000 | up to 12 months |
Maximum of one Paycycle loan at a time. Member may not exceed 3 payday loans within a 6 month rolling period. Paycycle loan must be paid in full prior to requesting additional Paycycle loans. No loan discounts apply.
Tuition Loan Rates
Fixed payment loan.
| Min. Loan Amount | Max. Loan Amount | Term | APR |
|---|---|---|---|
| $1,000 | $5,000 | up to 48 months | 11.49% |
You must be a current member of Excite Credit Union to take advantage of the Excite Tuition Loan. All members are required to have a $5 membership share balance in an Excite savings account.
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.