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.
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*.
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.
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.
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.
