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XCEL Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
XCEL Federal Credit Union's CD - 12 month rates are at 4.05%, CD - 18 month rates are at 4.00%, CD - 24 month rates are at 3.50%, CD - 7 month rates are at 3.50%, CD - 36 month rates are at 3.30%. XCEL Federal Credit Union's savings rates are at 0.10%. XCEL Federal Credit Union's money market rates are at 0.90%. XCEL Federal Credit Union's checking rates are as high as 0.05%. XCEL Federal Credit Union's Personal Loan Rates are as low as 9.99%. XCEL Federal Credit Union's Credit Card Rates are at 13.74%. XCEL Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of XCEL Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.87%. Rates last updated and verified on 10/29/2026.
XCEL Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at XCEL Federal Credit Union? Share your experience about XCEL Federal Credit Union by leaving a review below, or read customer reviews before you decide to use XCEL Federal Credit Union.
XCEL Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
XCEL Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
5.87%
ExcellentLower than avg
XCEL Federal Credit Union Texas Ratio
XCEL Federal Credit Union's Texas Ratio is 5.87%, which is considered excellent and is lower than the national average of 6.13%.
XCEL Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.11% to 5.87% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
XCEL Federal Credit Union CD Rates
Product
Rate
APY
Term
View More
Certificate - 12 month
3.98%
4.05%
12 Months
Min Deposit$500
DetailsMembership eligibility required; matures into a 12-month Share Certificate at prevailing rate unless alternate instructions are provided
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificate - 18 month
3.93%
4.00%
18 Months
Min Deposit$500
DetailsNew Deposits Only; minimum deposit of $500 required to open and earn the stated APY
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificate - 24 month
3.44%
3.50%
24 Months
Min Deposit$500
DetailsMinimum balance to open account and obtain the APY is $500
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificate - 7 month
3.44%
3.50%
7 Months
Min Deposit$500
DetailsMembership eligibility required; not eligible for IRA certificates; matures into a 6-month Share Certificate at prevailing rate unless alternate instructions are provided
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificate - 36 month
3.25%
3.30%
36 Months
Min Deposit$500
DetailsMinimum balance to open account and obtain the APY is $500
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificate - 48 month
3.25%
3.30%
48 Months
Min Deposit$500
DetailsMinimum balance to open account and obtain the APY is $500
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificate - 60 month
3.25%
3.30%
60 Months
Min Deposit$500
DetailsMinimum balance to open account and obtain the APY is $500
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificate - 6 month
2.96%
3.00%
6 Months
Min Deposit$500
DetailsMinimum balance to open account and obtain the APY is $500; dividends compounded monthly, credited monthly
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificate - 3 month
0.50%
0.50%
3 Months
Min Deposit$500
DetailsMinimum balance to open account and obtain the APY is $500; dividends compounded monthly, credited monthly
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union Savings Rates
Product
Rate
APY
View More
Holiday Club
0.10%
0.10%
Min Deposit$0
Min Balance$0
DetailsMinimum to earn dividend: $0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Regular Savings
0.10%
0.10%
Min Deposit$5
Min Balance$50
DetailsMinimum to earn dividend: $50
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Savings (Additional)
0.10%
0.10%
Min Deposit$0
Min Balance$0
DetailsMinimum to earn dividend: $0
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
0.90%
0.90%
Min Deposit$25,000
DetailsTier 4; Balance: $25,000 or More
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 0.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Money Market
0.75%
0.75%
Min Deposit$10,000
DetailsTier 3; Balance: $10,000 - $25,000
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 0.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Money Market
0.65%
0.65%
Min Deposit$2,500
DetailsTier 2; Balance: $2,500 - $10,000
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 0.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Money Market
0.50%
0.50%
Min Deposit$1,000
DetailsTier 1; Balance: $1,000 - $2,500
Last Updated10/29/2026
Rate History
No change since Oct 15, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union Checking Rates
Product
Rate
APY
View More
Checking Accounts
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500 - more; Tier 2
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Checking Accounts
0.00%
0.00%
Min Balance$0
DetailsBalance: $0.00 - $2,499.99; Tier 1
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan (1st Lien) - 5 Year Fixed
-
-
6.69%
5 years
DetailsAs Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.69% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan - 5 Year Fixed
-
-
6.69%
5 Year
DetailsAs Low As; 1st Lien; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.69% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan (1st Lien) - 10 Year Fixed
-
-
6.99%
10 years
DetailsAs Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan - 10 Year Fixed
-
-
6.99%
10 Year
DetailsAs Low As; 1st Lien; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 6.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan (1st Lien) - 15 Year Fixed
-
-
7.29%
15 years
DetailsAs Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.29% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan (2nd Lien) - 5 Year Fixed
-
-
7.29%
5 Year
DetailsAs Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.29% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan - 15 Year Fixed
-
-
7.29%
15 Year
DetailsAs Low As; 1st Lien; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 7.29% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan (1st Lien) - 20 Year Fixed
-
-
7.59%
20 years
DetailsAs Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.59% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan (2nd Lien) - 10 Year Fixed
-
-
7.59%
10 Year
DetailsAs Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.59% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan - 20 Year Fixed
-
-
7.59%
20 Year
DetailsAs Low As; 1st Lien; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 7.59% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan (2nd Lien) - 15 Year Fixed
-
-
7.89%
15 Year
DetailsAs Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 7.89% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loan (2nd Lien) - 20 Year Fixed
-
-
8.19%
20 Year
DetailsAs Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 8.19% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto / Truck / Motorcycle Loans
-
-
3.49%
24 Months
DetailsAs Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.49% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - 24 Months
-
-
3.49%
24 Months
DetailsAs Low As; APR with Direct Deposit; APR without Direct Deposit: 3.99%; New vehicles are 2026 & 2025 year models with 10,000 miles or less; Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 3.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
3.99%
24 Months
DetailsAs Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
No change since Oct 5, 2026 · 3.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
4.29%
36 Months
DetailsAs Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.49% → 4.29% ▼ 0.20 pts · high 4.49% / low 4.29%
Oct 5, 20264.29%▼ from 4.49%
Sep 14, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - 36 Months
-
-
4.29%
36 Months
DetailsAs Low As; APR with Direct Deposit; APR without Direct Deposit: 4.79%; New vehicles are 2026 & 2025 year models with 10,000 miles or less; Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.29% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
4.79%
36 Months
DetailsAs Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 4.99% → 4.79% ▼ 0.20 pts · high 4.99% / low 4.79%
Oct 5, 20264.79%▼ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
4.89%
60 Months
DetailsAs Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - 60 Months
-
-
4.89%
60 Months
DetailsAs Low As; APR with Direct Deposit; APR without Direct Deposit: 5.39%; New vehicles are 2026 & 2025 year models with 10,000 miles or less; Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 4.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck Loan
-
-
4.99%
36 Months
DetailsAs Low As; With Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck Loan
-
-
5.14%
60 Months
DetailsAs Low As; With Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.14% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
5.39%
60 Months
DetailsAs Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.39% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
5.49%
72 Months
DetailsAs Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - 72 Months
-
-
5.49%
72 Months
DetailsAs Low As; APR with Direct Deposit; APR without Direct Deposit: 5.99%; New vehicles are 2026 & 2025 year models with 10,000 miles or less; Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck Loan
-
-
5.49%
36 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck Loan
-
-
5.64%
60 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.64% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
5.69%
36 Months
DetailsMotorcycle; As Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 4.99% → 5.69% ▲ 0.70 pts · high 5.69% / low 4.79%
Oct 23, 20265.69%▲ from 4.79%
Oct 5, 20264.79%▼ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck Loan
-
-
5.74%
72 Months
DetailsAs Low As; With Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
5.99%
72 Months
DetailsAs Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
6.09%
84 Months
DetailsAs Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.89% → 6.09% ▲ 0.20 pts · high 6.09% / low 5.89%
Oct 5, 20266.09%▲ from 5.89%
Sep 14, 20265.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - 84 Months
-
-
6.09%
84 Months
DetailsAs Low As; APR with Direct Deposit; APR without Direct Deposit: 6.59%; New vehicles are 2026 & 2025 year models with 10,000 miles or less; Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.09% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck Loan
-
-
6.14%
84 Months
DetailsAs Low As; With Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.14% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
6.19%
36 Months
DetailsMotorcycle; As Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 4.99% → 6.19% ▲ 1.20 pts · high 6.19% / low 4.79%
Oct 23, 20266.19%▲ from 4.79%
Oct 5, 20264.79%▼ from 4.99%
Sep 14, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
6.19%
60 Months
DetailsMotorcycle; As Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.39% → 6.19% ▲ 0.80 pts · high 6.19% / low 5.39%
Oct 23, 20266.19%▲ from 5.39%
Sep 14, 20265.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck Loan
-
-
6.24%
72 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.24% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
6.59%
84 Months
DetailsAs Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.39% → 6.59% ▲ 0.20 pts · high 6.59% / low 6.39%
Oct 5, 20266.59%▲ from 6.39%
Sep 14, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck Loan
-
-
6.64%
84 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 6.64% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
6.69%
60 Months
DetailsMotorcycle; As Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.39% → 6.69% ▲ 1.30 pts · high 6.69% / low 5.39%
Oct 23, 20266.69%▲ from 5.39%
Sep 14, 20265.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
6.69%
72 Months
DetailsMotorcycle; As Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 6.69% ▲ 0.70 pts · high 6.69% / low 5.99%
Oct 23, 20266.69%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
7.19%
72 Months
DetailsMotorcycle; As Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 5.99% → 7.19% ▲ 1.20 pts · high 7.19% / low 5.99%
Oct 23, 20267.19%▲ from 5.99%
Sep 14, 20265.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
7.19%
84 Months
DetailsMotorcycle; As Low As; With Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 6.39% → 7.19% ▲ 0.80 pts · high 7.19% / low 6.39%
Oct 23, 20267.19%▲ from 6.59%
Oct 5, 20266.59%▲ from 6.39%
Sep 14, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck / Motorcycle Loans
-
-
7.69%
84 Months
DetailsMotorcycle; As Low As; Without Direct Deposit; New vehicles are 2026 & 2025 models with 10,000 miles or less; Rates as of: 10/23/2026
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 6.39% → 7.69% ▲ 1.30 pts · high 7.69% / low 6.39%
Oct 23, 20267.69%▲ from 6.59%
Oct 5, 20266.59%▲ from 6.39%
Sep 14, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Motorcycle Loan - 36 Months
-
5.69%
36 Months
DetailsAs Low As; Motorcycle; APR with Direct Deposit; APR without Direct Deposit: 6.19% (Motorcycle); Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 5.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 60 Months
-
6.19%
60 Months
DetailsAs Low As; Motorcycle; APR with Direct Deposit; APR without Direct Deposit: 6.69% (Motorcycle); Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Motorcycle Loan
-
6.19%
36 Months
DetailsAs Low As; With Direct Deposit; Motorcycle
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 6.19% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 72 Months
-
6.69%
72 Months
DetailsAs Low As; Motorcycle; APR with Direct Deposit; APR without Direct Deposit: 7.19% (Motorcycle); Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 6.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Motorcycle Loan
-
6.69%
36 Months
DetailsAs Low As; Without Direct Deposit; Motorcycle
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.19% → 6.69% ▲ 0.50 pts · high 6.69% / low 6.19%
Oct 15, 20266.69%▲ from 6.19%
Sep 17, 20266.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Motorcycle Loan
-
6.69%
60 Months
DetailsAs Low As; With Direct Deposit; Motorcycle
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 6.69% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 84 Months
-
7.19%
84 Months
DetailsAs Low As; Motorcycle; APR with Direct Deposit; APR without Direct Deposit: 7.69% (Motorcycle); Direct deposit minimum $500 per month; Proof of full insurance required
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 7.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Motorcycle Loan
-
7.19%
72 Months
DetailsAs Low As; With Direct Deposit; Motorcycle
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 7.19% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Motorcycle Loan
-
7.19%
60 Months
DetailsAs Low As; Without Direct Deposit; Motorcycle
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 6.69% → 7.19% ▲ 0.50 pts · high 7.19% / low 6.69%
Oct 15, 20267.19%▲ from 6.69%
Sep 17, 20266.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Motorcycle Loan
-
7.69%
72 Months
DetailsAs Low As; Without Direct Deposit; Motorcycle
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 7.19% → 7.69% ▲ 0.50 pts · high 7.69% / low 7.19%
Oct 15, 20267.69%▲ from 7.19%
Sep 17, 20267.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Motorcycle Loan
-
7.69%
84 Months
DetailsAs Low As; With Direct Deposit; Motorcycle
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 7.69% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Motorcycle Loan
-
8.19%
84 Months
DetailsAs Low As; Without Direct Deposit; Motorcycle
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 7.69% → 8.19% ▲ 0.50 pts · high 8.19% / low 7.69%
Oct 15, 20268.19%▲ from 7.69%
Sep 17, 20267.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 36 Months
-
8.69%
36 Months
DetailsAs Low As; With Direct Deposit (minimum $500 per month to XCEL account); Rates as of: 10/23/2026; Refinancing of existing XCEL loans is not permissible
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 9.19% → 8.69% ▼ 0.50 pts · high 9.19% / low 8.69%
Oct 23, 20268.69%▼ from 9.19%
Sep 14, 20269.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - With Direct Deposit
-
8.69%
36 Months
DetailsAs Low As; With Direct Deposit (minimum $500 per month)
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 8.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 36 Months - Without Direct Deposit
-
9.19%
36 Months
DetailsAs Low As; Without Direct Deposit; Rates as of: 10/23/2026; Refinancing of existing XCEL loans is not permissible
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 60 Months
-
9.19%
60 Months
DetailsAs Low As; With Direct Deposit (minimum $500 per month to XCEL account); Rates as of: 10/23/2026; Refinancing of existing XCEL loans is not permissible
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.19% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - With Direct Deposit
-
9.19%
60 Months
DetailsAs Low As; With Direct Deposit (minimum $500 per month)
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - Without Direct Deposit
-
9.19%
36 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 60 Months - Without Direct Deposit
-
9.69%
60 Months
DetailsAs Low As; Without Direct Deposit; Rates as of: 10/23/2026; Refinancing of existing XCEL loans is not permissible
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 72 Months
-
9.69%
72 Months
DetailsAs Low As; With Direct Deposit (minimum $500 per month to XCEL account); Rates as of: 10/23/2026; Refinancing of existing XCEL loans is not permissible
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.69% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - With Direct Deposit
-
9.69%
72 Months
DetailsAs Low As; With Direct Deposit (minimum $500 per month)
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - Without Direct Deposit
-
9.69%
60 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 9.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 72 Months - Without Direct Deposit
-
10.19%
72 Months
DetailsAs Low As; Without Direct Deposit; Rates as of: 10/23/2026; Refinancing of existing XCEL loans is not permissible
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 10.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 84 Months
-
10.19%
84 Months
DetailsAs Low As; With Direct Deposit (minimum $500 per month to XCEL account); Rates as of: 10/23/2026; Refinancing of existing XCEL loans is not permissible
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.19% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - With Direct Deposit
-
10.19%
84 Months
DetailsAs Low As; With Direct Deposit (minimum $500 per month)
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 10.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - Without Direct Deposit
-
10.19%
72 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 10.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 84 Months - Without Direct Deposit
-
10.69%
84 Months
DetailsAs Low As; Without Direct Deposit; Rates as of: 10/23/2026; Refinancing of existing XCEL loans is not permissible
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 10.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - Without Direct Deposit
-
10.69%
84 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Oct 23, 2026 · 10.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union Credit Card Rates
Product
Rate
APR
View More
Platinum Visa
-
13.74%
DetailsAs Low As; Intro APR 2.99% for 6 months; Balance transfer intro APR 3.99% (12 month balance transfer); Regular APR after intro: 13.74%
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49%
Oct 5, 202613.74%▲ from 13.49%
Sep 18, 202613.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Secured Visa
-
16.00%
DetailsAs Low As; Regular APR (no intro rate)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
9.99%
Up to 36 Months
DetailsAs Low As; With Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan
10.49%
Up to 36 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 9.99% → 10.49% ▲ 0.50 pts · high 10.49% / low 9.99%
Oct 15, 202610.49%▲ from 9.99%
Sep 14, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan
10.49%
37 - 60 months
DetailsAs Low As; With Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 10.49% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan
10.99%
37 - 60 months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 10.49% → 10.99% ▲ 0.50 pts · high 10.99% / low 10.49%
Oct 15, 202610.99%▲ from 10.49%
Sep 17, 202610.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan
10.99%
61 - 72 Months
DetailsAs Low As; With Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 17, 2026 · 10.99% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan
11.49%
61 - 72 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
1 change since Sep 17, 2026 · 10.99% → 11.49% ▲ 0.50 pts · high 11.49% / low 10.99%
Oct 15, 202611.49%▲ from 10.99%
Sep 17, 202610.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan
11.49%
73 - 84 Months
DetailsAs Low As; With Direct Deposit
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 11.99% → 11.49% ▼ 0.50 pts · high 11.99% / low 11.49%
Sep 17, 202611.49%▼ from 11.99%
Sep 14, 202611.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan
11.99%
73 - 84 Months
DetailsAs Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
2 changes since Sep 14, 2026 · 11.99% → 11.99% ▼ 0.00 pts · high 11.99% / low 11.49%
Oct 15, 202611.99%▲ from 11.49%
Sep 17, 202611.49%▼ from 11.99%
Sep 14, 202611.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
XCEL Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Line of Credit
-
-
10.99%
Open End
DetailsPublished APR range: 10.99%-16.99%. As Low As; Without Direct Deposit
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Financial Health History
XCEL Federal Credit Union’s Texas Ratio rose from 4.11% in Q3 2023 to 5.87% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$186M
5.87%
5.0
A+
March 31, 2026
$186M
7.43%
5.0
A
December 31, 2025
$186M
5.88%
5.0
A+
September 30, 2025
$185M
4.33%
5.0
A+
June 30, 2025
$189M
4.36%
5.0
A+
March 31, 2025
$189M
4.18%
5.0
A+
December 31, 2024
$186M
6.91%
5.0
A
September 30, 2024
$186M
4.74%
5.0
A+
June 30, 2024
$188M
4.64%
5.0
A+
March 31, 2024
$192M
3.46%
5.0
A+
December 31, 2023
$183M
6.16%
5.0
A
September 30, 2023
$182M
4.11%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for XCEL Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather XCEL Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with XCEL Federal Credit Union's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,387,685
Total Uninsured Shares and Deposits > $250K (F+J)
14,387,685
Total Insured Shares and Deposits > $250K (item 17 less item K)
153,549,400
Total Interest Expense (Sum of items 6 8)
1,051,186
Share Certificates
1,023
Number of Accounts for Share Drafts
7,437
IRA KEOGH Accounts
270
Number of Accounts for Regular Shares
13,499
Non Member Deposits
63
Money Market Shares
274
Net Income (unless the amount is already included in Undivided Earnings)
29,505
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,338,129
Total Liabilities
168,521,841
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
XCEL Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for XCEL Federal Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for XCEL Federal Credit Union
Frequently Asked Questions About XCEL Federal Credit Union
Does XCEL Federal Credit Union offer CDs?
Yes. XCEL Federal Credit Union current CD rates include its CD - 12 month at 4.05% APY, its CD - 18 month at 4.00% APY and its CD - 24 month at 3.50% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from XCEL Federal Credit Union NCUA insured?
Yes. XCEL Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at XCEL Federal Credit Union?
The highest XCEL Federal Credit Union CD rate is its CD - 12 month at 4.05% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does XCEL Federal Credit Union offer?
XCEL Federal Credit Union CD rates are 3.50% APY for a 7 month CD, 4.05% APY for a 12 month CD, 4.00% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.30% APY for a 3 year CD and 3.30% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with XCEL Federal Credit Union for its full lineup.
What is the highest savings rate at XCEL Federal Credit Union?
The highest XCEL Federal Credit Union savings rate is its Regular Savings at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at XCEL Federal Credit Union?
The highest XCEL Federal Credit Union money market rate is its Money Market at 0.90% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at XCEL Federal Credit Union?
The highest XCEL Federal Credit Union checking rate is its Checking Accounts at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at XCEL Federal Credit Union?
The lowest XCEL Federal Credit Union auto loan rate is its New Auto / Truck / Motorcycle Loans at 3.49% APR, verified by MonitorBankRates as of October 29, 2026. XCEL Federal Credit Union auto loan rates are 3.49% APR for a 24 month auto loan, 4.29% APR for a 36 month auto loan, 4.89% APR for a 60 month auto loan, 5.49% APR for a 72 month auto loan and 6.09% APR for an 84 month auto loan.
What is the lowest personal loan rate at XCEL Federal Credit Union?
The lowest XCEL Federal Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest credit card APR at XCEL Federal Credit Union?
The lowest XCEL Federal Credit Union credit card APR is its Platinum Visa Credit Card at 13.74% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does XCEL Federal Credit Union operate?
XCEL Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join XCEL Federal Credit Union?
Yes, to access services at XCEL Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, XCEL Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, XCEL Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does XCEL Federal Credit Union offer online and mobile banking?
Most modern institutions like XCEL Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.xcelfcu.org.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do XCEL Federal Credit Union rates compare?
XCEL Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A+ health rating. XCEL Federal Credit Union's top rates are its CD - 12 month at 4.05% APY, its Regular Savings at 0.10% APY, its Money Market at 0.90% APY, its Checking Accounts at 0.05% APY, its Personal Loan at 9.99% APR and its Platinum Visa Credit Card at 13.74% APR, verified by MonitorBankRates on October 29, 2026.
Current XCEL Federal Credit Union Rates
12-Month CD4.05%
18-Month CD4.00%
24-Month CD3.50%
60-Month CD3.30%
Savings0.10%
MMA0.90%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
