Reward Yourself with XCEL VISA®
Earn 5,000 points when you spend a $1,000 within the first 60 days of opening a new account*. In addition, earn 1,000 points just for enrolling in uChoose Rewards.
Explore these great offers and leave the rest to us.
Your Home has Valuable Equity
Fully-realize your dreams with a Home Equity Line of Credit (HELOC) with an introductory rate as low as 3.99% APR* for 3 months.
Step into Forever with a Personal Loan
Your happily ever after begins with a Personal Loan. Enjoy rates as low as 9.99% APR* and funds for every milestone or adventure.
You're Home with an XCEL Mortgage
The heart of a home is in the details. Enjoy the small things with a $300 Gift Card* on us when you close your mortgage with XCEL. It's a small gesture of our gratitude.
Coast into Adventure with an Auto Loan
Close your wallet and hit the open road. Focus on the moment and enjoy 60 days of no payments*.
Disclosures
Credit Card
New cardholders can earn 5,000 bonus points when they spend $1,000 or more on eligible purchases on their Visa® Platinum Rewards Credit Card within the first 60 days of account opening. Cardholder must enroll in uChoose Rewards before points can be credited or accrued. Bonus points will be credited to your uChoose Rewards account within 90 days of meeting the spending requirement. Qualifying purchases must be new retail transactions; balance transfers, cash advances, and ATM withdrawals are excluded. Accounts must be open, active, and in good standing at the time of bonus fulfillment. This promotional offer is available for a limited time and exclusively for new XCEL Federal Credit Union credit cardholders and may be modified or withdrawn at any time.
Home Equity Line of Credit (HELOC)
APR=Annual Percentage Rate. 3.99% is an introductory APR for the first three months from first day of account opening². 7.50% is the regular APR that would apply if this special rate was not offered. The APR is based on the Wall Street Journal Prime Rate as of 12/19/2024. A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family residential real estate. This type of credit is not available for modular homes, manufactured homes or cooperatives. Credit is subject to approval, not all applicants will qualify.
Personal Loan
APR=Annual Percentage Rate. Loan payment example: A personal loan of $5,000 for 60 months at a rate of 9.99% will have a monthly payment of $106.21. Rates, terms, and conditions vary based on creditworthiness and amount financed. Other restrictions may apply. Rates are subject to change without notice.
Mortgages
Offer valid for new first mortgage loan applications submitted on or after 7/1/2025 and closed by 9/30/2025. Gift card will be issued within 30 days after closing. Offer is limited to one gift card per funded mortgage loan and per household.
Auto Loan
First payment can be due up to 60 days from date of origination.