XCELFCU Federal Credit Union
XCELFCU Federal Credit Union
XCELFCU Federal Credit Union

XCEL FCU | NY NJ Banking Solutions | Checking Account | Loans

Center Your Inner Balance

0% APR* Balance Transfers for 12 Months

  • Lock in a low transfer fee of 2.00% between 1/1/25 - 3/31/25
  • New and Existing Cardholders                                                                    
*APR=Annual Percentage Rate
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Debt Consolidation Loan: As low as 9.49% APR*

Shed the burden of heavy debt

  • Borrow up to $60,000
  • Flexible Terms up to 84 months
  • Competitive rates

*APR = Annual Percentage Rate
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A New Digital Banking Experience!

Put the enhancements in your hands.

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First Mortgage Loan

Imagine the Memories You'll Make with a Mortgage from XCEL!

  • Competitive rates
  • Flexible terms
  • Pre-approvals available and valid for 90 days
  • Plus, we'll waive $1,295 of closing costs!
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Home Equity Line of Credit

Slam Dunk with a HELOC!

  • Home Improvements
  • Debt Consolidation
  • Vacation
  • Fund a Student Loan
  • Start a Business
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Share Certificate

Boost your Savings this Season!

  • Earn more than a traditional savings account
  • Minimum deposit of $500 to get started
  • Flexible Terms
  • Federally insured by NCUA
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Osaic FA, Inc.

Do you have questions about financial goals:

  • Meeting your retirement goals?
  • Financial Planning?
  • Long-term care?
  • Higher Education?
  • Connect with our new partner, Osaic, to setup an appointment!
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CO-OP

Find us near you
Loan Applications

Apply for any loan or check the status of an application in one place.
IRAs

Let today’s savings provide tomorrow’s rewards.

Providing high-quality, affordable products and services to our members in New Jersey, New York and across the country.

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