Why XCEL OnLine Branch Products & Services Loan Center Information Desk
Dividend Rates

Money Market
Minimum
Deposit
Rate
Average
Percentage Yield
Tier 1
$1,000 - $2,499.99
0.25%
0.25%
Tier 2
$2,500 - $9,999.99
1.54%
1.55%
Tier 3
$10,000 - $24,999.99
2.52%
2.55%
Tier 4
$25,000 or More
2.86%
2.90%

Rates Are Subject To Change


Savings Accounts

Minimum
Deposit
Rate
Average
Percentage Yield
Regular Savings
$5
0.85%
0.854%
Savings (Additional)
$0
0.85%
0.854%
Savings (IRA)
$0
0.85%
0.854%
Holiday Club
$0
0.85%
0.854%
Vacation Club
$0
0.85%
0.854%

Rates Are Subject To Change


Checking Accounts

Minimum
Deposit
Rate
Average
Percentage Yield
Tier 1
$0.00 - $2,499.99
0.25%
0.25%
Tier 2
$2,500 - more
0.50%
0.50%

Rates Are Subject To Change


Certificates

Minimum
Deposit
Annual
Percentage Rate
Annual
Percentage Yield
3 Months
$500
2.96%
3.00%
3 Months Liquid***
$5,000
3.11%
3.15%
6 Months
$500
3.20%
3.25%
12 Months
$500
3.30%
3.35%
24 Months
$500
3.40%
3.45%
36 Months
$500
3.45%
3.50%
48 Months
$500
3.55%
3.60%
60 Months
$500
3.60%
3.65%

Rates Are Subject To Change
*** See Disclosures Below


IRA Certificates

Minimum
Deposit
Annual
Percentage Rate
Annual
Percentage Yield
3 Months
$500
2.96%
3.00%
6 Months
$500
3.20%
3.25%
12 Months
$500
3.30%
3.35%
24 Months
$500
3.40%
3.45%
36 Months
$500
3.45%
3.50%
48 Months
$500
3.55%
3.60%
60 Months
$500
3.60%
3.65%

Rates Are Subject To Change


Jumbo Certificates
Minimum
Deposit
Annual
Percentage Rate
Annual
Percentage Yield
3 Months
$20,000
3.06%
3.10%
6 Months
$20,000
3.30%
3.35%
12 Months
$20,000
3.40%
3.45%
24 Months
$20,000
3.49%
3.55%
36 Months
$20,000
3.54%
3.60%
48 Months
$20,000
3.64%
3.70%
60 Months
$20,000
3.69%
3.75%

Rates Are Subject To Change


IRA Jumbo Certificates
Minimum
Deposit
Annual
Percentage Rate
Annual
Percentage Yield
3 Months
$20,000
3.06%
3.10%
6 Months
$20,000
3.30%
3.35%
12 Months
$20,000
3.40%
3.45%
24 Months
$20,000
3.49%
3.55%
36 Months
$20,000
3.54%
3.60%
48 Months
$20,000
3.64%
3.70%
60 Months
$20,000
3.69%
3.75%

Rates Are Subject To Change


Loan Rates

First Mortgage
1-4 unit Owner Occupied Properties Primary Residence
Fixed Rate Lock Period Rate/APR Points
15 Years 60 Days 5.750 / 5.770% 0
20 Years 60 Days 5.875 / 5.890% 0
30 Years 60 Days 6.000 / 6.010% 0


Adjustable Rate Lock Period Rate/APR Points
1 Year 60 Days 4.750 / 7.030% 0
3/1 Year 60 Days 5.000 / 6.690% 0
5/1 Year 60 Days 5.500 / 6.570% 0
7/1 Year 60 Days 5.750 / 6.490% 0
10/1 Year 60 Days 6.000 / 6.290% 0

Home Equity**
Fixed Rate Rate Maximum Amount
5 Years 6.000% $350,000
10 Years 6.100% $350,000
15 Years 6.250% $350,000


Line of Credit Rate Maximum Amount Details
5 Years Draw Prime * $350,000 5 Years Draw / 20 Years Amortization
Interest Only Prime * $350,000 7 Years Draw / 10 Years Amortization
10 Years Draw Prime * $350,000 10 Years Draw / 15 Years Amortization

* Prime Rate - The rate will change to the highest Prime Rate, minus .50%, published in the Wall Street Journal as of the 1st day of the month prior to any annual percentage rate adjustment.

Secured Loans**
Type of Vehicle Rate Maximum Amount
New Car/Truck/Motorcycle 5.500% Up-60 Months $65,000
New Car/Truck/Motorcycle 6.000% 61-72 Months $65,000
New Car/Truck/Motorcycle 6.500% 73-84 Months $65,000
Used Car/Truck/Motorcycle 6.000% Up-60 Months $60,000
Used Car/Truck/Motorcycle 6.500% 61-72 Months $60,000


Other Secured Rate Maximum Amount
Share 2% above Rate $100,000
Certificate 2% above Rate $100,000

Unsecured Loans**
Rate Maximum Amount
Line of Credit 10.990% $15,000
Signature 10.990% Up to 24 Months $15,000
Signature 11.490% 25 - 48 Months $15,000
Signature 11.990% 49 - 60 Months $15,000


Rate Maximum Amount
Debt Consolidation 8.990% Up to 24 Months $20,000
Debt Consolidation 9.490% 25 - 48 Months $20,000
Debt Consolidation 9.990% 49 - 60 Months $20,000


Credit Cards Rate Annual Fee Grace Period
Platinum Visa 6.990%**** $0.00 25 Days
Platinum Visa 9.990% $0.00 25 Days

**** Introductory rate for 6 months , qualified members only.

** Rate are listed at As Low as -
The ANNUAL PERCENTAGE RATE (APR) you will receive is based upon your previous credit history, length of employment, gross monthly income, and term of advance. The actual percentage rate you may receive will be in the range disclosed above. You may ask the Credit Union to help determine what annual percentage rate you qualify for.

*** Certificate Disclosures
All amounts deposited to this account must be in new money only. New Money is defined as funds not already on deposit at XCEL Federal Credit Union. You must maintain a minimum balance of $5000.00 in your account each day to earn the stated dividend rate and to obtain the dis­closed annual percentage yield. For each day that your account balance falls below $5,000 dividends will not accrue.
You may make additions to or withdrawals from the account at 7 calendar day intervals only. Neither will be permitted at any other time. The minimum withdrawal amount is $500. There is no minimum deposit amount, however, deposits must be made with new money only. The 7 calendar day intervals will begin from the date of the first conforming deposit or withdrawal. You may make withdrawals ($500 minimum withdrawal) without penalty if you maintain a balance of at least $5,000 and have not made a deposit or withdrawal within the last seven (calendar) days. A penalty will be imposed for withdrawals prior to maturity if the above conditions are not met or if the account is closed.

Rates are updated each business day, and are subject to change at any time.