Regular Savings (Share)

A Share Savings account begins your journey to financial independence

The road to financial freedom is paved with good savings habits.

The Regular Share Savings account is the starting point of your credit union membership. Your money grows while remaining accessible so you can use it for big-ticket items or any smaller goal on your wish list. 

  • Provides lifetime XCEL membership for you and your family
  • Open an account with a $5 deposit
  • Earn dividends on balances over $50
  • NCUA insured up to $250,000
  • Access your money via:


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