The Excite Credit Union is a mortgage from Excite Credit Union. The ongoing APR is Conforming: 30 Year Fixed 7.375% rate / 7.433% APR; 20 Year Fixed 7.375% / 7.450%; 15 Year Fixed 7.375% / 7.468%; Super Conforming: 30 Year 7.500% / 7.550%; 20 Year 7.500% / 7.565%; 15 Year 7.500% / 7.580% (0.00% points; CA and NC primary residence or second home purchase, 1 unit, maximum LTV 60%, minimum FICO 660). Typical credit limit: Conforming $40,000 to $832,750.00; Super Conforming $806,500.01 to $1,249,125 (high cost areas). Loan terms: 15, 20, or 30-year terms.