Membership Details

Become an XCEL member and gain a genuine financial partner for life

Refer and Earn!

Invite a fellow friend or family member to join XCEL and everyone wins! When you refer a friend or family member before September 30, 2023, you’ll both be rewarded!

A Gift for You: Receive $50 for every member you refer that opens a savings account. No referral limits.*

A Gift for Them: They can receive up to $300 when they become a member.**

Once a member, always a member for life!

  • Switch Jobs: Whether you were eligible for membership at your current place of employment or choose to switch jobs, you are a member for life!
  • Relocate: Perhaps you've decided to move away, your membership will remain intact!

New members will receive $50 when they join! Plus, they can earn an additional $50 for each of the following:

  • Open a Checking Account with a Debit Card
  • Open a Credit Card
  • Have at least one monthly recurring electronic deposit into the account (ACH/Direct Deposit min $250/monthly)
  • Open any vehicle or unsecured loan with an extra 0.25% off the current rate
  • Open any 12+ month Share Certificate with an extra 0.25% more on the current rate
Use referral code: XCELJOIN


Join XCEL and experience something new – SATISFACTION

XCEL FCU is a credit union serving members in New Jersey, New York and across the country. We take pride in helping our members achieve their dreams and accomplish their financial goals, whatever they may be, by offering savings and lending solutions that support success.  

How to Become and XCEL Member

If you work for, or are involved in, any of the organizations on the list below, you're automatically eligible for XCEL membership. Apply for membership

Family Members Are Eligible

Once you join XCEL, your immediate family members are eligible as well, so your whole family can take advantage of the benefits of credit union membership.

Does Membership Cost Money?

Open your savings account with a $5 deposit and you're an XCEL Member !

Organizations List

Please view our organizations list here.


Refer and Earn Offers expire 9/30/2023. All accounts must be opened by 9/30/2023.

*(A Gift for You) The $50 deposit will be credited within 90 days of the referred account opening and must remain on deposit for 90 days after account opening. If the referred account is closed within 90 days, the $50 will be forfeited.

**(A Gift for Them) All $50 deposits will be credited within 90 days of the account opening and must remain on deposit for 90 days after account opening. If the account is closed within 90 days, the $50 will be forfeited. All credit card, loan and Share Certificate rates are subject to change and are based upon the current rate at the time the offer is redeemed. Credit card and loan rates are based on an evaluation of credit history. Opening (approvals) are subject to XCEL’s underwriting criteria. Share Certificate offer is for new money only (defined as funds not already on deposit with XCEL nor have been on deposit in any XCEL account over the prior 30 days). Minimum balance to open a Share Certificate is $500. The recurring ACH deposit must be credited to the account for three consecutive months to qualify. This offer limited to one loan and one IRA or Share Certificate per member, may not be combined with any other XCEL offer, is non-transferable and may be withdrawn at any time.