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

Due to the inclement weather XCEL Federal Credit Union will have a delayed opening at 10am on Thursday, March 22, 2018. We apologize for any inconvenience this may cause but please feel free to use our mobile app or web banking services to access your account. Thank you and have a safe day! Learn more