XCELFCU Federal Credit Union
XCELFCU Federal Credit Union
XCELFCU Federal Credit Union

XCEL Federal Credit Union | NY, NJ Personal Accounts | Loans

Vacation Loan

Make Memories that last with a Vacation Loan!

  • Competitive Rates
  • Flexible Terms
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Debt Consolidation Loan

New Year, New Goals!

Make debt consolidation one of them!

  • Rates as low as 9.99% APR*
  • Borrow up to $25,000
  • Save money on interest charges
  • Enjoy flexible payment terms
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Individual Retirement Accounts

Invest in a comfortable retirement!

  • Traditional IRA
  • Roth IRA
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Home Improvement

Create your dream home with ease!

  • Low closing costs
  • Flexible terms
  • Quick turnaround time
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Lease Buyout Loan

  • Own the car you love! 
  • We'll help you buy out your lease!
Learn More
Fraud and Security

Protect your accounts
Financial Literacy - Banzai

Research various topics
Credit Union Travel Club

Exclusive for XCEL members only

Providing high-quality, affordable products and services to our members in New Jersey, New York and across the country.

What's Exciting with XCEL?

11/1/2022
SmartCard App
2/1/2023
Featured Employer Group
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