High Yield Savings
Reach New Heights
Lift™ High Yield Savings from XCEL is a smart way to maximize your finances while retaining full access to your money. Earn on greater returns without the long-term commitment. Invest in financial growth with a Lift™ account today.
Intro Rate 4.00% APY*
for the first 60 days of account opening¹.
Premium Rate 3.00% APY*
with a Direct Deposit from payroll or pension².
Features & Benefits
- Earn high-interest dividends
- Access to your money in the XCEL Digital Banking App
- No monthly fees
- Minimum opening deposit of $1,000 required
- Federally insured up to $250,000 by the NCUA
Disclosures
*APY=Annual Percentage Yield.
An Introductory Annual Percentage Yield (APY) of 4.00% applies to new High Yield Savings Accounts and is valid for the first 60 days following account opening. The introductory APY applies to all balances. After the introductory period, the applicable dividend rate will be based on the account's dividend category.
High Yield Savings Accounts that receive qualifying Payroll or Pension direct deposits totaling at least $2,000 per month may earn a higher premium dividend rate of 3.00% APY on balances up to $250,000. Any portion of the account balance exceeding $250,000 will earn the standard dividend rate. To continue earning the premium dividend rate, members must receive at least $2,000 in qualifying Payroll or Pension direct deposits each month. High Yield Savings Accounts that do not receive qualifying direct deposits will earn the standard dividend rate of 0.75% APY.
A minimum opening deposit of $1,000 is required. An average daily balance of at least $1,000 must be maintained to earn dividends. Dividends are compounded daily based on the average daily balance and deposited monthly to share.
Only one High Yield Savings Account is permitted per Primary Member. Membership eligibility requirements apply; business accounts are ineligible. Rates are effective as of October 19, 2026, and are subject to change at any time after the introductory 60-day period, unless otherwise required by applicable law. This offer may be changed or discontinued at any time. See the Account Agreement and Rate Sheet for additional terms, conditions, and details.
An Introductory Annual Percentage Yield (APY) of 4.00% applies to new High Yield Savings Accounts and is valid for the first 60 days following account opening. The introductory APY applies to all balances. After the introductory period, the applicable dividend rate will be based on the account's dividend category.
High Yield Savings Accounts that receive qualifying Payroll or Pension direct deposits totaling at least $2,000 per month may earn a higher premium dividend rate of 3.00% APY on balances up to $250,000. Any portion of the account balance exceeding $250,000 will earn the standard dividend rate. To continue earning the premium dividend rate, members must receive at least $2,000 in qualifying Payroll or Pension direct deposits each month. High Yield Savings Accounts that do not receive qualifying direct deposits will earn the standard dividend rate of 0.75% APY.
A minimum opening deposit of $1,000 is required. An average daily balance of at least $1,000 must be maintained to earn dividends. Dividends are compounded daily based on the average daily balance and deposited monthly to share.
Only one High Yield Savings Account is permitted per Primary Member. Membership eligibility requirements apply; business accounts are ineligible. Rates are effective as of October 19, 2026, and are subject to change at any time after the introductory 60-day period, unless otherwise required by applicable law. This offer may be changed or discontinued at any time. See the Account Agreement and Rate Sheet for additional terms, conditions, and details.