The big expense of holiday shopping brings bigger rewards when you pay with an XCEL VISA®. Shop Amazon, department stores and electronics stores and earn uChoose Rewards™ Points with an intro rate of 2.99% APR* on purchases for 6 months for new accounts, and 3.99% APR* Balance Transfers for 12 months for all cardholders.
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
Credit Card
*Annual Percentage Rate (APR). New cardholders will receive an introductory rate of 2.99% APR for 6 months on eligible purchases made within 60 days of account opening using their XCEL Visa® Credit Card. New and existing cardholders are eligible for a rate of 3.99% APR for 12 months on all balance transfers.
1Cardholders can earn 2x UChoose Rewards® points on all qualifying travel-related purchases and at clothing stores, department stores, electronic stores and Amazon beginning October 1, 2026 through December 31, 2026. 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 point fulfillment. Enrollment in UChoose Rewards® program is required to earn points on purchases. This promotional offer is available for a limited time and may be modified or withdrawn at any time.
uChoose Rewards® and Visa® are registered trademarks of their respective owners. Rates, terms, conditions, and rewards are subject to change without notice. Other restrictions may apply.
Lift™ High Yield Savings
*APY=Annual Percentage Yield.
An Introductory Annual Percentage Yield (APY) of 4.00% applies to new High Yield Savings Accounts and is valid for the first 60 days following account opening. The introductory APY applies to all balances. After the introductory period, the applicable dividend rate will be based on the account's dividend category.
High Yield Savings Accounts that receive qualifying Payroll or Pension direct deposits totaling at least $2,000 per month may earn a higher premium dividend rate of 3.00% APY on balances up to $250,000. Any portion of the account balance exceeding $250,000 will earn the standard dividend rate. To continue earning the premium dividend rate, members must receive at least $2,000 in qualifying Payroll or Pension direct deposits each month. High Yield Savings Accounts that do not receive qualifying direct deposits will earn the standard dividend rate of 0.75% APY.
A minimum opening deposit of $1,000 is required. An average daily balance of at least $1,000 must be maintained to earn dividends. Dividends are compounded daily based on the average daily balance and deposited monthly to share.
Only one High Yield Savings Account is permitted per Primary Member. Membership eligibility requirements apply; business accounts are ineligible. Rates are effective as of October 19, 2026, and are subject to change at any time after the introductory 60-day period, unless otherwise required by applicable law. This offer may be changed or discontinued at any time. See the Account Agreement and Rate Sheet for additional terms, conditions, and details.
Auto Loans
*APR=Annual Percentage Rate. 3.49% 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.
2All XCEL FCU loans must be current with no collection action pending. Your account must not be overdrawn, and you must have sufficient funds on deposit to cover the $25 fee per loan. Each loan payment is applied first to unpaid late fees and charges, then to the accrued interest due on the loan. The remaining amount is applied to the principal balance. This program is not available on loans during the first 12 months of the loan agreement. Loans are limited to one (1) Skip-A-Payment per 12-month period. Other restrictions may apply; receipt of a Skip-A-Payment coupon does not guarantee eligibility and approval for the Skip-A-Payment program. Skip-A-Pay is a privilege extended to qualified members and is subject to XCEL Federal Credit Union final approval. XCEL FCU reserves the right to terminate this offer at any time without prior notice.
For auto loan payments, please check with your GAP coverage carrier to determine how Skip-A-Pay may affect your coverage. It is your responsibility to verify the impact of skipped payment(s) on your GAP or other coverage.
If you have recurring automatic payments set up from other financial institutions or automatic Online Banking payment(s) for your loan(s), it is up to you to stop the transfer if you wish.
Personal Loans
*APR= Annual Percentage Rate. Rates are based on an evaluation of credit history, and the term of the loan.
1The advertised rate above is subject to establishing Direct Deposit from payroll (minimum $500 per month). Approvals are subject to our underwriting criteria. Members may borrow from $500-$60,000 with terms to 7-years. You must be a member in good standing (meaning you must have $5 in your XCEL savings account).
2All XCEL FCU loans must be current with no collection action pending. Your account must not be overdrawn, and you must have sufficient funds on deposit to cover the $25 fee per loan. Each loan payment is applied first to unpaid late fees and charges, then to the accrued interest due on the loan. The remaining amount is applied to the principal balance. This program is not available on loans during the first 12 months of the loan agreement. Loans are limited to one (1) Skip-A-Payment per 12-month period. Other restrictions may apply; receipt of a Skip-A-Payment coupon does not guarantee eligibility and approval for the Skip-A-Payment program. Skip-A-Pay is a privilege extended to qualified members and is subject to XCEL Federal Credit Union final approval. XCEL FCU reserves the right to terminate this offer without prior notice.
If you have recurring automatic payments set up from other financial institutions or automatic Online Banking payment(s) for your loan(s), it is up to you to stop the transfer if you wish.
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.
