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 offers some of the lowest interest rates you'll find on loans, and some the best dividend rates around. 

Share / Savings Accounts

Rates as of: 12/08/2024

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

Money Market

Rates as of: 12/08/2024

Minimum Deposit Dividend Rate APY*
Tier 1 $1,000 – $2,500 0.50% 0.50%
Tier 2 $2,500 – $10,000 0.75% 0.75%
Tier 3 $10,000 – $25,000 0.95% 0.95%
Tier 4 $25,000 or More 1.15% 1.16%

Checking Accounts

Rates as of: 12/08/2024

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%

Certificates / IRA Certificates

Rates as of: 12/08/2024

Product Dividend Rate APY*
3 Months 0.50% 0.50%
6 Months 2.47% 2.50%
12 Months 3.93% 4.00%
18 Months* 4.41% 4.50%
24 Months 4.12% 4.20%
36 Months 3.25% 3.30%
48 Months 3.25% 3.30%
60 Months 3.50% 3.56%

Fixed Rate Mortgages

Rates as of: 12/08/2024

Loan Type Interest Rate
Fixed-Rate / Adjustable-Rate Mortgages For current rates, www.XCELfcu.org/mortgagerates

Home Equity Loans

Rates as of: 12/08/2024

Loan Type APR* (As low as) Maximum Loan Amount Maximum Combined LTV
5 Year Fixed 6.99% $350,000 80%
10 Year Fixed 7.49% $350,000 80%
15 Year Fixed 7.99% $350,000 80%

Home Equity Line

Rates as of: 12/08/2024

Loan Type APR* (As low as) Maximum Loan Amount Maximum Combined LTV
Home Equity Line of Credit 8.50% $350,000 80%

New Auto / Truck / Motorcycle Loans

Rates as of: 12/08/2024

APR*(As low as) Terms
4.99% Up to 36 Months
5.49% 37 – 60 Months
5.99% 61 – 72 Months
6.49% 73 – 84 Months
5.99% (Motorcycle) Up to 36 Months
6.49% (Motorcycle) 37 – 60 Months
6.99% (Motorcycle) 61 - 72 Months
7.49% (Motorcycle) 73 - 84 Months

New Green / Hybrid Vehicle Loans

Rates as of: 12/08/2024

APR*(As low as) Terms
4.79% Up to 36 Months
5.29% 37 – 60 Months
5.79% 61 – 72 Months
6.29% 73 – 84 Months

Used Auto / Truck / Motorcycle Loans

Rates as of: 12/08/2024

APR*(As low as) Terms
5.49% Up to 36 Months
5.74% 37 – 60 Months
6.24% 61 – 72 Months
6.74% 73 – 84 Months
6.49% (Motorcycle) Up to 36 Months
6.99% (Motorcycle) 37 – 60 Months
7.49% (Motorcycle) 61-72 Months
7.99% (Motorcycle) 73 - 84 Months

Used Green / Hybrid Vehicle Loans

Rates as of: 12/08/2024

APR*(As low as) Terms
5.24% Up to 36 Months
5.74% 37 – 60 Months
6.24% 61 – 72 Months
6.74% 73 – 84 Months

New Boat & Recreational Vehicle

Rates as of: 12/08/2024

APR*(As low as) Terms
7.99% Up to 60 Months
8.49% 61 – 72 Months
8.99% 73 – 84 Months
9.49% 85 – 120 Months

Used Boat & Recreational Vehicle

Rates as of: 12/08/2024

APR*(As low as) Terms
8.99% Up to 60 Months
9.49% 61 – 72 Months
9.99% 73 – 84 Months
10.49% 85 – 120 Months

Personal Secured and Unsecured Loans and Line of Credit

Rates as of: 12/08/2024

Loan Type APR*(As low as) Terms
Personal 9.99% / 9.74% (with Automatic Payment) Up to 36 Months
10.49% / 10.24% (with Automatic Payment) 37 – 60 Months
10.99% / 10.74% (with Automatic Payment) 61 - 72 Months
11.49% / 11.24% (with Automatic Payment) 73 – 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 10.99% -16.99% Open End

Rates as of: 12/08/2024

Credit Cards Intro APR* 12 Months Intro APR* 12 Month Balance Transfer After Intro Rate APR rates as low as**
Platinum Visa N/A 1.99% 15.24%
Secured Visa N/A 1.99% 17.75%

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