Signature Loan

The Signature Loan is an unsecured product that is tailored to your specific needs.

  • Need new furniture?
  • Need to pay down the credit cards?
  • Need new appliances?

The Signature Loan is especially popular because it’s short term and low interest.   Use it however you want!

Borrow as much as $40,000 for up to 7-years at rate as low as 9.99% APY.

Call us at (973) ASK XCEL then Option 2 or you can even apply through our free mobile app!

APR=Annual Percentage Rate. Rates are based on an evaluation of cred history; therefore, your rate may differ. Approvals are subject to our underwriting criteria.

In some cases, XCEL will pay your debtor directly then request the account to be closed.

Personal/Debt Consolidation Loans:

-Loan Payment Example: Personal Loan of $3,000 for 12 Months has a payment range of $257 to $264.



XCEL FCU offices will be closed Thursday, July 4, 2019 for Independence Day and will be closing at 1pm on Friday, July 5, 2019 . We apologize for any inconvenience this may cause but please feel free to use our mobile app or web banking services to access your account. Thank you!