Rates

Save more, earn more with our competitive rates

Gain financial freedom with XCEL's great rates.

As a not-for-profit financial institution, XCEL is able to offer some of the lowest interest rates you'll find on loans, and some the best dividend rates around when it comes to savings. It's one more great benefit for our XCEL members.

 

Share / Savings Accounts

Rates as of: 10/16/2021

Minimum to earn Dividend Dividend Rate APY* Minimum to open
Regular Savings $50 0.10% 0.10% $5
Savings (Additional) $0 0.10% 0.10% $0
Savings (IRA) $0 0.10% 0.10% $0
Holiday Club $0 0.10% 0.10% $0
Vacation Club $0 0.10% 0.10% $0

Money Market

Rates as of: 10/16/2021

Minimum Deposit Dividend Rate APY*
Tier 1 $1,000 – $2,499.99 0.10% 0.10%
Tier 2 $2,500 – $9,999.99 0.15% 0.15%
Tier 3 $10,000 – $24,999.99 0.25% 0.25%
Tier 4 $25,000 or More 0.30% 0.30%

Checking Accounts

Rates as of: 10/16/2021

Minimum Deposit Dividend Rate APY*
Tier 1 $0.00 – $2,499.99 0.00% 0.00%
Tier 2 $2,500 – more 0.05% 0.05%

Kasasa Accounts

Rates as of: 10/16/2021

Product Dividend Rate APY*
Kasasa Cash 0.40% 0.40%
Kasasa Saver 0.30% 0.30%

Certificates / IRA Certificates

Rates as of: 10/16/2021

Product Dividend Rate APY*
3 Months 0.10% 0.10%
6 Months 0.15% 0.15%
12 Months 0.25% 0.25%
24 Months 0.50% 0.50%
36 Months 0.60% 0.60%
48 Months 0.70% 0.70%
60 Months 0.85% 0.85%

Fixed Rate Mortgages

Rates as of: 10/16/2021

Loan Type Interest Rate APR* (As low as)
30 Year Fixed 2.875% 3.047%
20 Year Fixed 2.750% 2.993%
15 Year Fixed 2.500% 2.814%
10 Year Fixed 2.250% 2.707%

Home Equity Loans

Rates as of: 10/16/2021

Loan Type APR* (As low as) Maximum Loan Amount Maximum Combined LTV
5 Year Fixed 3.25% $350,000 80%
10 Year Fixed 3.75% $350,000 80%
15 Year Fixed 4.25% $350,000 80%

Home Equity Line

Rates as of: 10/16/2021

Loan Type APR* (As low as) Maximum Loan Amount Maximum Combined LTV
Home Equity Line - Introductory Rate ** 3.25% $350,000 80%

New Auto / Truck / Motorcycle Loans**

Rates as of: 10/16/2021

APR*(As low as) Terms
1.49% Up to 36 Months
1.99% 37 – 60 Months
2.49% 61 – 72 Months
2.99% 73 – 84 Months

Used Auto / Truck / Motorcycle Loans**

Rates as of: 10/16/2021

APR*(As low as) Terms
1.99% Up to 36 Months
2.49% 37 – 60 Months
2.99% 61 – 72 Months
3.49% 73 – 84 Months

New Boat & Recreational Vehicle

Rates as of: 10/16/2021

APR*(As low as) Terms
5.00% Up to 60 Months
5.50% 61 – 72 Months
6.00% 73 – 84 Months
6.50% 85 – 120 Months

Used Boat & Recreational Vehicle

Rates as of: 10/16/2021

APR*(As low as) Terms
6.00% Up to 60 Months
6.50% 61 – 72 Months
7.00% 73 – 84 Months
7.50% 85 – 120 Months

Personal Secured and Unsecured Loans and Line of Credit

Rates as of: 10/16/2021

Loan Type APR*(As low as) Terms
Personal/Debt Consolidation 7.99% – 15.99% Up to 36 Months
8.49% – 14.49% 37 – 60 Months
8.99% – 10.49% 61 – 84 Months
Shared Secured Share Rate + 2.00% Up to 120 Months
Certificate Secured Certificate Rate + 2.00% Up to 60 Months
Line of Credit 9.99% -15.99% Open End

Rates as of: 10/16/2021

Credit Cards Intro APR* 12 Months Intro APR* 24 Month Balance Transfer After Intro Rate APR rates as low as**
Platinum Visa 1.99% 2.99% 9.99%
Secured Visa 1.99% 2.99% 12.50%

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