Detailed information about our products and services
Valuable information regarding your account(s).
- 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.
