Enhance your lifestyle with rewarding purchase experiences, cashout options, optimized robust security features, and travel and medical protections. Earn 2,500 points when you enroll in uChoose Rewards today and reach for the most important credit card in your wallet this season.
Design the ideal living space, reduce debt, cover tuition costs and more from the comfort of home with a Home Equity Line of Credit (HELOC). Enjoy rates as low as 7.25% APR*.
Credit Card
Earn 2,500 points for enrolling in uChoose Rewards. Cardholder must enroll in uChoose Rewards before points can be credited or accrued. Qualifying purchases must be new retail transactions; balance transfers, cash advances, and ATM withdrawals are excluded. Accounts must be open, active, and in good standing at the time of bonus fulfillment. This promotional offer is available for a limited time and exclusively for new XCEL Federal Credit Union credit cardholders and may be modified or withdrawn at any time.
Home Equity Line of Credit (HELOC)
*APR=Annual Percentage Rate. 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.
Personal Loan
*APR = Annual Percentage Rate. Example: A $5,000 personal loan for 36 months at 8.49% APR results in a monthly payment of $157.81. 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.
