Bring home something special for the holidays
Holiday loans make gift giving even better.
We offer Holiday Loans that allow you to cross everything off your list and enjoy seeing the smiles your gifts are sure to bring.
- Pay off your loan in 12 months or less
- Borrow as little as $500 up to $5,000
- Competitive rates available
XCEL FCU is a credit union serving members in New Jersey, New York and across the country.
*APR = annual percentage rate. All rates are subject to change at any time. Rates are based on an evaluation of credit history; therefore, your rate may differ. Approvals are subject to our underwriting criteria. Loan amount of $3,000 at a rate of 5.99% APR for 12 months would have a monthly payment of $258.16.