Enjoy saving for tomorrow while still having easy, convenient access to your money today! A Savings Account with a $5 minimum balance is the basis of an XCEL Federal Credit Union membership. This account is the gateway to cost-saving services that provide real solutions for every financial stage of your life. By maintaining just $5 in your savings account, you are now eligible to offer credit union membership to your family members.
XCEL Federal Credit Union is taking care of you! XCEL offers a FREE Checking Account with no minimum balance and a FREE VISA® CheckCard. Our Checking Accounts earn dividends. We accept Direct Deposit from your paycheck and can also provide Overdraft Protection (also known as Courtesy Pay).