A Certificate are a great way to start reaching your financial goals.  To help you maximize your earnings, XCEL Federal Credit Union offers the highest dividend rates possible.

  • Minimum certificate balance is $500
  • No maximum deposit
  • Available Terms for certificates are: 91 days, 6, 12, 18, 24, 36, 48, or 60 Months
  • Dividends compounded monthly, credited monthly
  • Early withdrawal are subject to penalties
  • Certificates are federally insured by the NCUA

IRA Certificate

Since you already understand how a certificate works, an IRA Certificate is  similar.   It’s your retirement, we can help you make it more enjoyable!

Earn great rates with XCEL’s IRA Accounts!  Invest from 91 days to 60 months with a minimum deposit of only $500.  The longer the term, the more you earn!

  • Available Terms: 91 days, 6, 12, 18, 24, 36, 48, or 60 months
  • Deposits can be made in person or banking-by-mail
  • Dividends compounded monthly, credited monthly
  • Qualified rollover IRAs may also be designated as IRA Certificates
  • IRA Certificates are federally insured by NCUA

FRAUD ALERT!!! Please be aware that some XCEL members have received a phone call from the number 888-258-5060 claiming to be from XCEL's credit card or debit card Fraud Division. Our Fraud Division will NEVER ask you for your account number!