Home Equity Lines of Credit

Quite simply, it's money you can use anytime you want to pay for anything you need

When life gets expensive, it's good to know you have something extra.

Sometimes, it might be as simple as paying a pile of bills. Other times, you might be carrying out a grand plan, like remodeling your home or paying for college. With a Home Equity Line of Credit, you can afford to get it all done with a low-cost line that you can use as you need.

  • Revolving line with credit limit based on the equity in your home
  • Line of credit rates are based on the WSJ Prime Rate
  • Access money easily with checks, through Online and Mobile Banking and at XCEL branches
  • Interest charges may be tax-deductible - consult your tax advisor for more information
  • No closing costs*

Introductory rate starts at 6.49% APR** for 12 months and expires September 30, 2023.

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