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

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!