Credit Cards

XCEL’s Platinum VISA® Credit Card:

  • 0.00% APR* 12-Month Introductory on Balance Transfers**
  • Rates as low as 11.49% APR for Purchases
  • Cash Advances as low as 14.99% APR
  • Line-of-Credit up to $25,000
  • Full 25-Day Grace Period
  • No Annual Fee
  • Low Balance Transfer Fee
  • Low Cash Advance Fee

Features & Benefits:

  • Accepted at Millions of Locations Worldwide
  • Secure Online Purchases with Verified by VISA

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


*APR=Annual Percentage Rate. Rates are subject to change at any time.

**Introductory APR on Balance Transfers is based on creditworthiness.
Credit Cards are variable rate products based on the Prime Rate as published in the Wall Street Journal.
Variable Rates are based on an evaluation of credit history; therefore, your rate may differ.

Approvals are subject to our underwriting criteria.
Repayment terms of 3% of the outstanding balance or $10; whichever is greater.

See the Credit Card Agreement & Disclosure for more details:




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!