Saving Accounts

When preparing for tomorrow, every dollar counts

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

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

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)


  • 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