Line of Credit

Give yourself the power to make purchases and pay for repairs

Whenever you need it, the money's there for you to use.

It's no ordinary loan. It's more like a credit card that you can use over and over to buy something big, fix something that's broken, or cover some unexpected bills. When you repay what you've borrowed, the money waits right there for you to use it all over again.

  • Line of credit ranging from $500 to $5,000, depending on your credit history
  • Monthly payment depends on how much money is actually used, a minimum of $25 or 3% of the balance*
  • Transfer funds from credit line to checking or savings account for easy use


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