Start your journey with an XCEL Visa Platinum Rewards Credit Card and 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 by enrolling with uChoose rewards.
Define your next chapter with an XCEL Home Equity Line of Credit with an introductory rate as low as 5.99% APR¹ for the first 6 months.
¹Credit Card - Swipe, Earn & Explore with Every Purchase
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. 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for a limited time and exclusively for new XCEL Federal Credit Union credit cardholders and may be modified or withdrawn at any time.
²First Mortgage - The beginning of endless possibilities
$1,295 lender credit applied towards closing costs. Membership eligibility and a mortgage application are required. Not all applicants will qualify; approval based on each individual’s credit history and underwriting factors. Certain restrictions, limits and other conditions apply. XCEL shall issue a lender’s credit at closing on completed applications received by 12/31/25. Equal Housing Lender. NMLS #474542. This offer expires 12/31/25, is subject to change and may be withdrawn at any time.
³HELOC - Transform your home, transform your future
APR=Annual Percentage Rate. 5.99% is an introductory APR for the first six 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.