Rates

*APY= Annual Percentage Yield
Rates are subject to change without notice. Fees may reduce earnings.

*APY= Annual Percentage Yield

Minimum balance to open account and obtain the APY is $500.  Rates are subject to change without notice. Fees may reduce earnings. Early withdrawals are subject to penalties.  Dividends compounded monthly, credited monthly.

**This limited time offer is for new money only. (New money is defined as funds not already on deposit with XCEL nor have been on deposit in any XCEL account over the prior 30 days.) 

• Click HERE for current mortgage rates

Rates vary subject to loan amount, loan term, loan-to-value ratio and credit rating.
Private Mortgage Insurance (PMI) is required on purchase mortgages with down payments less than 20%.
Property insurance is required. Flood insurance may be required.
An escrow account for payment of taxes and insurance (including PMI if required) will be established.
Financing available on 1-4 Family Owner-Occupied Primary Residences and Second Homes.
All loans are subject to credit approval.

*APR= Annual Percentage Rate.   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 XCEL’s underwriting criteria.
Home Equity Loans are available on primary, owner-occupied 1-4 family residences and second homes.  Property insurance is required. Flood insurance may be required.  Loan payment example: Home Equity Loan of $100,000 for 15 years at a rate of 7.99% APR will have a monthly payment of $955.07.
XCEL may pay most of the closing costs excluding government recording charges and taxes (when required).  Closing costs are dependent upon the location of the property and the amount of the loan.  Loans paid off and closed less than two years from origination will require reimbursement of all closing costs paid by XCEL.

Direct Deposit discount does not apply to Home Equities.

*APR= Annual Percentage Rate. 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 XCEL’s underwriting criteria.
Home Equity Lines are variable rate products based on the Prime Rate as published in the Wall Street Journal (WSJ).

No closing costs apply; however, borrower is responsible for payment of mortgage recording taxes, government fees, or other state-specific charges, including those required in New York. Minimum monthly payments are required; a 15-day grace period applies before payments are considered late.

A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives.  

Credit is subject to approval; not all applicants will qualify.

*APR= Annual Percentage Rate. 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 XCEL’s underwriting criteria. Loan payment example: New Auto loan of $25,000 for 72 months at a rate of 5.49% will have a monthly payment of $408.33.

New vehicles are year models 2025 & 2024 with 10,000 miles or less.  Proof of full insurance coverage is required. Refinancing of existing XCEL loans is not permissible.

*APR= Annual Percentage Rate. 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 XCEL’s underwriting criteria. Loan payment example: Used Auto loan of $25,000 for 72 months at a rate of 5.99% will have a monthly payment of $414.20.

Used autos are model years 2017 or newer.  Proof of full insurance coverage is required. Refinancing of existing XCEL loans is not permissible.

*APR=Annual Percentage Rate.  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 payment example: New Boat loan of $30,000 for 120 months at a rate of 8.99% will have a monthly payment of $379.86.Boat and Recreational Vehicles must be used for recreational purposes only. 

*APR=Annual Percentage Rate.  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 payment example: Used Boat loan of $30,000 for 120 months at a rate of 9.99% will have a monthly payment of $396.29. Boat and Recreational Vehicles must be used for recreational purposes only.

*APR=Annual Percentage Rate.  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.
In some cases, XCEL will pay your debtor directly then request the account be closed.
Personal Loans: 
–Loan payment example: Personal loan of $5,000 for 60 months will have a monthly payment range of $108.69 to $125.58.
Share Secured Loans: 
– As the loan is paid off, more shares become available to you.  Shares continue to earn dividends.
Loan Payment Example:  Share Secured Loan of $1,200 for 12 months at 2.10% will have a monthly payment of $101.14.
Certificate Secured Loans: 
– Loan amount cannot exceed the amount of shares in the certificate.  The loan term must be equal to or less than the certificate term.
Loan Payment Example:  Certificate Secured Loan of $3,000 for 24 months at 2.75% will have a monthly payment of $128.62.

Members who have signed up for Direct Deposit may qualify for additional discounts.