Rates

Share  Rates as of November 16, 2016
 
Money Market

  Minimum
Deposit
Rate Average
Percentage Yield
Tier 1 $1,000 – $2,499.99 0.30% 0.30%
Tier 2 $2,500 – $9,999.99 0.35% 0.35%
Tier 3 $10,000 – $24,999.99 0.40% 0.40%
Tier 4 $25,000 or More 0.45% 0.45%
Rates Are Subject To Change

Share / Savings Accounts

  Rate APY* Minimum
to open
Minimum
to earn
dividend
Regular Savings 0.10% 0.101% $5 $50
Savings (Additional) 0.10% 0.101% $0 $0
Savings (IRA) 0.10% 0.101% $0 $0
Holiday Club 0.10% 0.101% $0 $0
Vacation Club 0.10% 0.101% $0 $0
Rates Are Subject To Change

Checking Accounts

  Minimum
Deposit
Rate Average
Percentage Yield
Tier 1 $0.00 – $2,499.99 0.00% 0.00%
Tier 2 $2,500 – more 0.05% 0.05%
Rates Are Subject To Change

Certificates / IRA Certificates

Product Annual
Percentage Rate (APR)
Annual
Percentage Yield (APY)
 3 Months 0.25% 0.25%
6 Months 0.50% 0.50%
12 Months 0.75% 0.75%
24 Months 1.09% 1.10%
36 Months 1.24% 1.25%
48 Months 1.49% 1.50%
60 Months 1.98% 2.00%
Rates Are Subject To Change
*** See Disclosures Below

Loan Rates as of November 16, 2016
First Mortgage

XCEL FCU is your place for affordable home ownership!

Call our Loan Department at 973-ASK-XCEL (275-9235) option 4 for current rates and terms on Fixed and Adjustable Rate Mortgage products.
Financing available for 1-4 Family Owner-Occupied Primary Residence and Second Homes.

Home Equity

Fixed Rate Rate/APR** Maximum Amount
5 Years 3.99% / 3.99% $350,000.00
10 Years

4.19% / 4.19%

Payments deferred for 2 Months

$350,000.00
15 Years 4.29% / 4.29% $350,000.00
Line of Credit Rate** Maximum Amount Details
5 Years Draw 3.50%* $350,000 5 Years Draw / 20 Years Amortization
Interest Only 3.50%* $350,000 7 Years Draw / 10 Years Amortization
* Prime Rate – The rate will change to the highest Prime Rate published in the Wall Street Journal as of the 1st day of the month prior to any annual percentage rate adjustment.

Secured Loans

Type of Vehicle Rate** Term
New Car/Truck/Motorcycle  1.99%  1-36 Months 
New Car/Truck/Motorcycle 2.25% 37 to 60 Months
New Car/Truck/Motorcycle 2.49% 61+ Months
Type of Vehicle Rate** Term
Used Car/Truck/Motorcycle  2.49%  1-36 Months 
Used Car/Truck/Motorcycle 2.75% 37 to 60 Months
Used Car/Truck/Motorcycle 2.99% 61+ Months
* Motorcycle Rates are 0.50% above the Advertised Rate
Other Secured Rate**  /  Term
Share 2% above Dividend Rate  /  Up to 120 months
Certificate 2% above Dividend Rate  /  Up to 120 months

Unsecured Loans

  Rate** Term
Line of Credit 9.750% APR
Signature 8.990% APR 0 – 60 Months
Signature 9.490% APR 61 to 72 Months
Signature 9.990% APR 73 to 84 Months
  Rate** Term
Debt Consolidation 9.990% APR Up to 72 Months
Debt Consolidation 10.750% APR 73 to 84 months
Credit Cards Rate** Annual Fee Grace Period
Platinum Visa 0.00%***** $0.00 25 Days
Platinum Visa 10.24%***** $0.00 25 Days
**** Introductory rate for 6 months , qualified members only. ** Rate are listed at As Low as – The ANNUAL PERCENTAGE RATE (APR) you will receive is based upon your previous credit history, length of employment, gross monthly income, and term of advance. The actual percentage rate you may receive will be in the range disclosed above. You may ask the Credit Union to help determine what annual percentage rate you qualify for. *** Certificate Disclosures All amounts deposited to this account must be in new money only. New Money is defined as funds not already on deposit at XCEL Federal Credit Union. You must maintain a minimum balance of $5000.00 in your account each day to earn the stated dividend rate and to obtain the disclosed annual percentage yield. For each day that your account balance falls below $5,000 dividends will not accrue. You may make additions to or withdrawals from the account at 7 calendar day intervals only. Neither will be permitted at any other time. The minimum withdrawal amount is $500. There is no minimum deposit amount, however, deposits must be made with new money only. The 7 calendar day intervals will begin from the date of the first conforming deposit or withdrawal. You may make withdrawals ($500 minimum withdrawal) without penalty if you maintain a balance of at least $5,000 and have not made a deposit or withdrawal within the last seven (calendar) days. A penalty will be imposed for withdrawals prior to maturity if the above conditions are not met or if the account is closed. **** New Money New Money (funds not on deposit with XCEL) ***** Credit Card The current indexed APR for VISA credit cards is determined by adding the margin to the Wall Street Journal Prime as published on the 15th day of the month for the preceding 3 months and is subject to change monthly. Minimum APR 10.24% maximum APR 18%, excluding promotional intro rates.Rates are updated each business day, and are subject to change at any time.

 

XCEL will be performing SYSTEM MAINTENANCE on Dec. 9th @ 10pm to Dec 10th @ 8am. Most of our services will be interrupted during the given time frame. We apologize for the inconvenience! Learn more