Loans

XCEL offers loans with competitive rates and flexibility to meet all your needs. You can choose from auto, real estate, education, personal and even business loans.  We also offer a wide variety of terms to make sure your payment fits into your budget.

XCEL’s Platinum VISA® Credit Card:

  • 0.00% APR 6-Month Introductory Rate On Purchases*
  • Rates as low as 10.24% APR for Purchases and Cash Advances**
  • Up to 1% Cash Back Rewards for all purchases*
  • Line-of-Credit up to $25,000
  • Full 25-Day Grace Period
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee

Features & Benefits:

  • Accepted at Millions of Locations Worldwide
  • Emergency Card Replacement
  • Travel Accident Coverage
  • Rental Car Insurance
  • Luggage Delay Insurance
  • Zero Liability for unauthorized use of the credit card
  • Secure Online Purchases with Verified by VISA
  • Exceptional 24-hour cardmember service

No Application Needed – Just Call Us!

973-ASK-XCEL (275-9235), Option #2

To apply online, please click here.
*For qualified members
**APR = Annual Percentage Rate. Minimum APR of 9.99%; maximum APR of 18.0%. Rates, terms and offers are subject to change, may be withdrawn, and are based on your creditworthiness.

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Effective June 4, 2018, XCEL's Federal Plaza & Call Center will be open Monday - Friday from 9am - 5pm ET. The Journal Square branch will have the same hours EXCEPT for Thursdays where we will be open from 9am - 6pm ET. Sorry for the inconvenience and we appreciate your membership!