The Excite Credit Union is a personal loan from Excite Credit Union. The ongoing APR is As low as 8.75% APR (12 months), 9.00% (24 months), 9.25% (36 months), 9.50% (48 months), 9.75% (60 and 72 months); rate reflects .25% discount for having Auto Pay (rates effective as of 10/15/2026). Typical credit limit: $1,000 to $30,000 (minimum $2,500 for 24 months and $5,000 for 36-72 months). Loan terms: Fixed payment and term; 12 to 72 months.