From gifts to gatherings, XCEL VISA® keeps on giving. Maximize your purchasing potential this season and enjoy 1.99% APR* on purchases beginning November 1 through December 31, 2025. Convert rewards points for cash with Point Pay1 and enjoy no payments for six months2. Take the time needed with a 5-day extension on monthly payments, too.
Your home has potential with an XCEL Home Equity Line of Credit (HELOC). Enjoy an intro rate as low as 4.99% APR* for the first six months, and access funds in Digital Banking to cover the costs of renovations, large expenses, debt reduction and more. With no closing costs¹, a 10-year draw period, followed by a 15-year payback period, there’s nothing you can’t do.
3.50% APY¹ (3.44% APR²) for 7 Months | Rolls into a 6 Month Share Certificate at Maturity
3.95% APY¹ (3.88% APR²) for 13 Months | Rolls into a 12 Month Share Certificate at Maturity
Credit Card
*APR = Annual Percentage Rate. Promotional APR of 1.99% applies to new purchases for the first 6 months. 1. Rewards points conversion through Point Pay is subject to program terms and may vary. 2. No payments for six months applies to new purchases; interest may accrue during the promotional period. Rates, terms, and conditions are based on creditworthiness and are subject to change. Other restrictions may apply.
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. 4.99% is an introductory APR for the first six months from first day of account opening. 6.75% is the regular APR that would apply if this special rate was not offered. 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.
Credit is subject to approval; not all applicants will qualify.
Auto Refinance
*APR=Annual Percentage Rate. Rates and terms are based on an evaluation of credit history and are subject to XCEL’s underwriting criteria. Loan programs, rates, terms, and conditions are subject to change at any time without notice.
1120% Financing is available for well-qualified applicants and is not guaranteed.
2First payment can be due up to 60 days from date of loan origination.
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, and the 13-month certificate will automatically roll into a 12-month Share Certificate at their prevailing rates unless alternate instructions are provided. Membership eligibility required.
These products are not eligible for IRA certificates.
