Regular Savings (Share)
- Open with a $ 5 minimum deposit to establish your XCEL membership
- Earn dividends on balances over $50
- Keep track of your savings with Online and Mobile Banking
Maximize short-term returns or grow your money over time.
All XCEL savings accounts feature:
- Opportunity to save for future needs
- Competitive dividends
- Easy access through ATMs, Mobile and Online Banking
- No monthly fees
- No minimum balance required
Holiday Club Account
- Set aside funds for that special occasion
- Minimum deposit can be as little as $5 biweekly
- Deposits can be made by mail, in person, or through convenient Direct Deposit
- Each account earns a competitive interest rate
Money Market Accounts
- Earn higher dividends
- Minimum deposit of $1,000 to open and maintain account
- Tiered rate structure rewards bigger balances
- Access money any time for any reason (minimum withdrawal of $500 is required)
Certificates
- Earn greater dividends than a traditional savings account
- Minimum deposit of $500 to get started
- Choose from a wide range of terms
- Federally insured by the NCUA
Individual Retirement Accounts (IRAs)
- Save and Secure your retirement
- Open with just a minimum deposit of $500
- IRAs are tax advantage tools
- Available in terms ranging from 3 months to 5 years
Youth Savings
- Start building financial responsibility
- Parents or guardians are joint account owners
- Open account with just $5
- Earn dividends on deposits
