Auto Loans

We'll put you in the driver's seat

Put yourself behind the wheel of a vehicle you can depend on.

New or used, sports car or family vehicle, XCEL can help you drive away in whatever kind of car you choose.  Have an existing auto loan?  We'll refinance for a lower rate with reduced payments.  Getting an auto loan or refinancing through us is as smooth as driving on a freshly paved road.

  • Competitive rates
  • Flexible terms of up to 84 months
  • Financing up to 120% of purchase price
  • Debt Protection and GAP Insurance available on new vehicles
  • Apply now or call us at 973-ASK-XCEL (973-275-9235) Option #2 to speak to a loan specialist

Mechanical Repair Coverage (MRC)

The average costs of repairs can be expensive.

Mechanical Repair Coverage may help limit the cost of covered repairs – and protect your finances.

Mechanical Repair Coverage may help limit unexpected covered repair costs as your vehicle ages, potentially saving your budget from future unexpected repair costs. What’s more, it can be used at any authorized repair facility in the continental United States of America, Alaska, Hawaii, and Canada.

Help protect yourself from unexpected costly covered repairs – Talk to XCEL Federal Credit Union to find out what Mechanical Repair Coverage plan is right for you.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1- 800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.

Mechanical Repair Coverage (MRC) Brochure

Unique ID & Copyright MRC-3415612.3-0523-0625 ©TruStage

TruStage Auto Insurance Program

XCEL Federal Credit Union could help save you hundreds on Auto Insurance

If you haven't gotten an Auto Insurance quote lately, your credit union membership could help you save hundreds of dollars.

XCEL Federal Credit Union members may qualify for a discount on Auto Insurance through the TruStage™ Auto Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.

TruStage makes available a powerful mix of savings and popular, member-friendly benefits:

  • Credit union members could save hundreds*
  • Nationally recognized companies
  • Friendly, 24/7 service—even on holidays
  • Discounts for multiple vehicles, good driving and more**
  • Mobile app for easy claims

It’s simple to get a free quote today. Don’t wait to see how much you could save.


A tradition of strength

TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An “A” rating is the third highest of 16 ratings.


*Savings validated by survey of participating new customers who switched to a Liberty Mutual policy between 10/2021 and 09/2022 with self-reported comparable coverage from their prior carrier. Savings may vary.

** Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Liberty Mutual Copyright 2023. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. © TruStage





XCEL FCU is a credit union serving members in New Jersey, New York and across the country.