Credit Card
uChoose Rewards®, Points Pay™, and Visa® are registered trademarks of their respective owners. Points redemption through Points Pay™ is subject to the uChoose Rewards program terms and conditions, and redemption values may vary. Rates, terms, conditions, and rewards are subject to change without notice. Other restrictions may apply.
New Cardholder Bonus Offer: New cardholders can earn 5,000 bonus points when they spend $1,000 or more in eligible purchases with their Visa® Platinum Rewards Credit Card within 60 days of account opening. Bonus points will be credited to the member's uChoose Rewards account within 90 days after the spending requirement is met. Eligible purchases include new retail transactions only and exclude balance transfers, cash advances, ATM transactions, fees, interest charges, and returned purchases. The account must remain open, active, and in good standing at the time the bonus is awarded. This offer is available for a limited time, is valid only for new XCEL Federal Credit Union credit cardholders, and may be modified or discontinued at any time.
Summer Essentials Promotion: From June 30, 2026, through September 30, 2026, cardholders will earn 3 reward points for every $1 spent on eligible purchases at qualifying grocery stores, wholesale clubs, and gas stations. Eligibility is determined by the merchant category code (MCC) assigned by the merchant or its payment processor. Transactions that do not process under an eligible MCC will not qualify for bonus rewards, regardless of the nature of the purchase. Reward points will be credited after qualifying transactions post to the account. Returns, credits, and disputed transactions may reduce rewards earned. This promotional offer may be modified or discontinued at any time. Other restrictions may apply.
Dining Rewards Promotion: From June 30, 2026, through September 30, 2026, cardholders will earn 2 reward points for every $1 spent on eligible purchases at qualifying restaurants. Eligibility is determined by the merchant category code (MCC) assigned by the merchant or its payment processor. Transactions that do not process under an eligible restaurant MCC will not qualify for bonus rewards. Reward points will be credited after qualifying transactions post to the account. Returns, credits, and disputed transactions may reduce rewards earned. This promotional offer is available for a limited time and may be modified or discontinued at any time. Other restrictions may apply.
Redeemed Points Back Promotion: Cardholders will receive 10% of redeemed points back on eligible reward redemptions made between June 30, 2026, and September 30, 2026. Returned points will be credited to the member's uChoose Rewards account within 30 days following the redemption. The account must be open and in good standing at the time the points are credited. This offer may be modified or discontinued at any time and is subject to the terms and conditions of the uChoose Rewards program.
Auto Loan
*APR=Annual Percentage Rate. 4.49% is based on credit worthiness and other factors.
1The advertised rate above is subject to establishing Direct Deposit from payroll with $500 monthly minimum.
New vehicles are year models 2026 & 2025 with 10,000 miles or less. Vehicles older than 8 years are not eligible. Rates are based on an evaluation of credit and are subject to XCEL’s underwriting criteria. Loan Payment Example: New auto loan of $25,000 for 72 months at 5.69% will have a monthly payment of $410.67.
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.
1The advertised rate above is subject to establishing Direct Deposit from payroll with $500 monthly minimum.
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.
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.
