Savings & Money Market


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.



If you don’t want your deposits tied up in certificates, but want to earn more dividends than you would in a regular Savings Account, then XCEL Federal Credit Union’s Money Market Accounts are the perfect choice!

  • Low, minimum deposit of $1,000
  • The more you save, the more you earn with tiered dividends
  • Dividends are compounded daily and posted monthly to give you higher yields
  • Enjoy penalty-free access to your money

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!