Loans & Credit Cards

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 Rates, terms and offers are subject to change, may be withdrawn, and are based on your creditworthiness.