Transform your small projects into major renovations, payoff debt, and more with an XCEL Home Equity Line of Credit (HELOC). Enjoy an intro rate of 4.49% APR* for the first 12 months from opening. Draw on funds for 10 years with a 15-year repayment period. Access your finances anytime within the XCEL Digital Banking App, too. There are no late fees if your payment is made within the 15-Day Grace Period.
3.50% APY¹ (3.44% APR²) for 7 Months | Rolls into a 6 Month Share Certificate at Maturity
4.05% APY¹ (3.98% APR²) for 12 Months | Rolls into a 12 Month Share Certificate at Maturity
4.00% APY¹ (3.93% APR²) for 18 Months | Rolls into a 12 Month Share Certificate at Maturity | New Deposits Only
Debt Consolidation
*APR=Annual Percentage Rate. 8.99% is based on credit worthiness and other factors.
**Rates and terms are based on an evaluation of credit history and are subject to XCEL’s underwriting criteria; therefore, your rate may differ. Loan programs, rates, terms, and conditions are subject to change at any time without notice.
Home Equity Line of Credit (HELOC)
*APR=Annual Percentage Rate. Credit is subject to approval; not all applicants will qualify. The minimum loan amount is $10,000, and the maximum loan amount is $350,000. The APR may vary due to an individual’s creditworthiness, terms of the loan and value of the home. Loan to Value (LTV) restrictions apply. Rates are subject to change without notice.
Personal Loan
*APR = Annual Percentage Rate. Example: A $5,000 personal loan for 36 months at 9.99% APR results in a monthly payment of $161.31. Actual rates, terms, and conditions are based on creditworthiness and amount financed. The APR shown is the lowest available and may not apply to all borrowers. Additional restrictions may apply. Rates are subject to change without notice.
Home Equity Loan
*APR=Annual Percentage Rate. Credit is subject to approval, not all applicants will qualify. The minimum loan amount is $10,000, and the maximum loan amount is $350,000. The APR may vary due to an individual’s creditworthiness, term of the loan and value of the home. Loan to Value (LTV) restrictions apply. Rates are subject to change without notice.
1XCEL FCU will pay most of your closing costs on a home equity application, excluding government recording charges and taxes when required. Home Equity Loans paid off and closed in less than two years from the loan origination will require reimbursement of all closing costs paid by XCEL FCU. Closing costs depend on the location of the property and the amount of the Home Equity Loan.
Share Certificates (CDs)
1APY=Annual Percentage Yield. 2APR=Annual Percentage Rate. Rates subject to change without notice. Minimum deposit of $500 required to open and earn the stated APY. Early withdrawal penalties may apply and could reduce earnings. Upon maturity, the 7-month certificate will automatically roll into a 6-month Share Certificate, the 12-month certificate will automatically roll into a 12-month, and the 18-month certificate will automatically roll into a 12-month Share Certificate at their prevailing rates unless alternate instructions are provided. Membership eligibility required.
The 18-month promotion is not eligible for IRA certificates.
