Fixed-Rate Mortgages

Lock in your rate to have the security of knowing that your monthly payment will never change

There is comfort in knowing that your rate will never increase.

XCEL mortgages come with rock-solid rates that stand the test of time.

  • Fixed 15-, 20- and 30-year terms available for primary and secondary residences
  • Mortgage up to 95% of your new home's value to limit the size of your down payment
  • Lock in rates for up to 45 days
  • Refinance existing loans to save on interest charges or reduce monthly payments

Mortgage Calculator

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