Earn MORE with high-dividend certificates

It's high-quality savings, certified.

What's your definition of the long haul?  Whether it's a few months or a few years, XCEL has Certificate options that give you control over how much to deposit and for how long, all with a fixed, guaranteed rate of return. 

  • Minimum deposit of $500
  • No maximum deposit
  • Choose from a wide range of terms, from 3 months to 5 years
  • Dividends compound monthly and are credited monthly
  • Federally insured by the NCUA
  • Early withdrawal penalties apply

If you're looking for greater dividends than a traditional savings account, our Certificate could be the right choice for you.


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