Home Equity Loans

XCEL Federal Credit Union is here to help you finance your next vacation, purchase a car or consolidate your bills.


  • Competitive Rates
  • Fixed and Variable Rates Available
  • Home Equity Lines-of-Credit are based on Prime rate, for on-going needs
  • Free appraisal
  • No closing cost*
  • May be tax deductible – ask your tax advisor for more information

Call us for information & assistance: 973-ASK-XCEL (275-9235) Option #2

* NY residents responsble for mortgage taxes.


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!