Home Equity Loans

XCEL Federal Credit Union is here to help you finance your next vacation, purchase a car or consolidate your bills.


  • Competitive Rates
  • Fixed and Variable Rates Available
  • Home Equity Lines-of-Credit are based on Prime rate, for on-going needs
  • Free appraisal
  • No closing cost*
  • May be tax deductible – ask your tax advisor for more information

Call us for information & assistance: 973-ASK-XCEL (275-9235) Option #2

* NY residents responsble for mortgage taxes.

Due to the inclement weather XCEL Federal Credit Union will have a delayed opening at 10am on Thursday, March 22, 2018. We apologize for any inconvenience this may cause but please feel free to use our mobile app or web banking services to access your account. Thank you and have a safe day! Learn more