XCEL Federal Credit Union

XCEL was federally chartered in 1964. Although XCEL enjoys endorsement and logistical support from sponsor companies, we are otherwise completely independent. XCEL Federal Credit Union is governed by a board of directors who are elected from the credit union’s membership. The organization itself is professionally managed and staffed.

As a federal credit union, XCEL is federally insured, regulated, and examined annually by both the federal government and an independent CPA firm. Each member's total deposits are insured up to $100,000 by the National Credit Union Administration (NCUA), a U.S. Government agency.

Member loans and loan rates are determined by individual credit rating and history. Dividends are determined by the board of directors based on recent credit union earnings.

Our annual report is available upon request. For a free copy of our most current annual report, simply send a request by e-mail to xcel@xcelfcu.org. Request by mail may be sent to:

XCEL
P.O. Box 2618
Secaucus, NJ 07094