Visa® Secured Credit Card

Give yourself some buying power as you build up your credit score


Your savings account can help you qualify for a high-quality card.

Access and manage your credit card through our home banking system.  If you are not registered for home banking click on the "Access My Credit Card" link above and register under "New Users."

If you're young, you need to build a credit history. If life has dealt you a few financial knocks, you have to rebuild it. An XCEL Visa® Secured Credit Card can help you do either. Your savings balance will determine how much you can charge. As you pay off your purchases, your credit score is sure to improve.

  • Credit limits starting at $500
  • Competitive rates available
  • Enjoy 24/7 Visa fraud and identity theft protection 


XCEL FCU is a credit union serving members in New Jersey, New York and across the country.