Disclosures

• Membership Agreement
• Fee Schedule - Effective August 1, 2025
• Privacy Policy
• Share Certificate Disclosure
• Overdraft/Courtesy Pay Disclosure (with Opt-in/Opt-Out Form)
• Electronic Document Delivery Agreement
• Mobile Deposit Agreement
• XCEL VISA® Credit Card Benefits
• VISA® Credit Card Agreement and Disclosures
• Bill Payment Service Disclosures
• Text Messaging Service Agreement 
• Savings Jar
• Funds Availability

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