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
  • 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


*XCEL FCU will pay most of your closing costs on a home equity application excluding government recording charges and taxes when required. Home Equity Loans and Lines of Credit paid off and closed in less than two years from the loan origination will require reimbursement of all closing costs paid by XCEL FCU. Closing costs depend on the location of the property and the amount of the Home Equity Loan and/or Line of Credit.