Current Campaigns

XCEL VISA® | Exceptional by Design

Maximize seasonal purchases with an XCEL VISA®. Enjoy a 2.99% APR* intro rate for 6 months on new purchases. From everyday essentials to weekend getaways, XCEL VISA® gives you the flexibility to enjoy the season while earning rewards on every purchase.

Don't let the heat get to you this summer. With an XCEL VISA®, all cardholders can enjoy a 3.99% APR* for 12 months on balance transfers. Transfer higher-rate balances to your XCEL VISA® to smplify payments and focus on paying down your balance.

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Outrun Lingering Debt

Pace your monthly expenses with an XCEL Debt Consolidation Loan. Enjoy rates as low as 8.99% APR* with flexible terms up to 84 months, and push through high interest debt without breaking a sweat.

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Big Projects Start Small

Transform your small projects into major renovations, payoff debt, and more with an XCEL Home Equity Line of Credit (HELOC). Enjoy an intro rate of 4.49% APR* for the first 12 months from opening. Draw on funds for 10 years with a 15-year repayment period. Access your finances anytime within the XCEL Digital Banking App, too. There are no late fees if your payment is made within the 15-Day Grace Period.

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Spring Your Goals into Action

As the days get longer, shed light on those upgrades, budget for seasonal expenses, or simply consolidate debt with an XCEL Personal Loan. Enjoy rates as low as 9.99% APR*. Existing equity is not required, and you can draw funds, pay and track your loan all within the XCEL Digital Banking App.

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Hard Work Pays Off

The equity in your home is a predictable way to pay for tuition, upgrades or unexpected expenses. Enjoy rates as low as 6.49% APR* with an XCEL Fixed Home Equity Loan. There are no closing costs¹ and you can track, access funds and make payments all within the XCEL Digital Banking App.

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Invest in a Sure Thing with Share Certificates (CDs)

Short-term financial investments are a stable way to grow your now and in the future. Gain more when you invest in an XCEL Share Certificate (CD).

3.50% APY¹ (3.44% APR²) for 7 Months | Rolls into a 6 Month Share Certificate at Maturity

4.05% APY¹ (3.98% APR²) for 12 Months | Rolls into a 12 Month Share Certificate at Maturity

4.00% APY¹ (3.93% APR²) for 18 Months | Rolls into a 12 Month Share Certificate at Maturity | New Deposits Only

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Disclosures

Debt Consolidation
*APR=Annual Percentage Rate. 8.99% is based on credit worthiness and other factors.

**Rates and terms are based on an evaluation of credit history and are subject to XCEL’s underwriting criteria; therefore, your rate may differ. Loan programs, rates, terms, and conditions are subject to change at any time without notice.

Home Equity Line of Credit (HELOC)

*APR=Annual Percentage Rate. Credit is subject to approval; not all applicants will qualify. The minimum loan amount is $10,000, and the maximum loan amount is $350,000. The APR may vary due to an individual’s creditworthiness, terms of the loan and value of the home. Loan to Value (LTV) restrictions apply. Rates are subject to change without notice.

Personal Loan
*APR = Annual Percentage Rate. Example: A $5,000 personal loan for 36 months at 9.99% APR results in a monthly payment of $161.31. Actual rates, terms, and conditions are based on creditworthiness and amount financed. The APR shown is the lowest available and may not apply to all borrowers. Additional restrictions may apply. Rates are subject to change without notice.

Home Equity Loan
*APR=Annual Percentage Rate. Credit is subject to approval, not all applicants will qualify. The minimum loan amount is $10,000, and the maximum loan amount is $350,000. The APR may vary due to an individual’s creditworthiness, term of the loan and value of the home. Loan to Value (LTV) restrictions apply. Rates are subject to change without notice.

¹XCEL FCU will pay most of your closing costs on a home equity application, excluding government recording charges and taxes when required. Home Equity Loans paid off and closed in less than two years from the loan origination will require reimbursement of all closing costs paid by XCEL FCU. Closing costs depend on the location of the property and the amount of the Home Equity Loan.

Share Certificates (CDs)

¹APY=Annual Percentage Yield. ²APR=Annual Percentage Rate. Rates subject to change without notice. Minimum deposit of $500 required to open and earn the stated APY. Early withdrawal penalties may apply and could reduce earnings. Upon maturity, the 7-month certificate will automatically roll into a 6-month Share Certificate, the 12-month certificate will automatically roll into a 12-month, and the 18-month certificate will automatically roll into a 12-month Share Certificate at their prevailing rates unless alternate instructions are provided. Membership eligibility required.
The 18-month promotion is not eligible for IRA certificates.