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 XCEL Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: September 21, 2026
XCEL Federal Credit Union's 12 Month IRA CD rates are at 4.05%, 18 Month IRA CD rates are at 4.00%, 24 Month IRA CD rates are at 3.50%, 7 Month IRA CD rates are at 3.50%, 36 Month IRA CD 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 0.50%. XCEL Federal Credit Union's Personal Loan Rates are as low as 8.99%. XCEL Federal Credit Union's Credit Card Rates are at 13.49%. 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 7.43%. Rates last updated and verified on 09/21/2026. 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
XCEL Federal Credit Union 1460 Broad St
https://www.xcelfcu.org Bloomfield, NJ 07003 
XCEL Federal Credit Union CD Rates
XCEL Federal Credit Union Savings Rates
XCEL Federal Credit Union Money Market Rates
XCEL Federal Credit Union Home Equity & HELOC
XCEL Federal Credit Union Auto Loan Rates
XCEL Federal Credit Union RV, Boat and Powersport Loan Rates
XCEL Federal Credit Union Credit Card Rates
XCEL Federal Credit Union Personal Loan Rates
XCEL Federal Credit Union Other Rates
Financial Health HistoryXCEL Federal Credit Union’s Texas Ratio rose from 4.13% in Q2 2023 to 7.43% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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.
Credit Union Profile & Overview
Credit Union Name
XCEL Federal Credit Union
Website
https://www.xcelfcu.org
Address
1460 Broad St,
Bloomfield, NJ 07003
Phone
973-275-9235
Fax
973-528-8772
President
Phyllis Ford
CEO
Michael Mahiya
Full-Time Employees
35
Part-Time Employees
1
Branch Locations
3
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.43%
Return on Assets (ROA)
0.0234%
Return on Equity (ROE)
0.2150%
Non-Performing Loans Ratio (NPL)
1.27%
Total Assets
185,966,248
Total Amount of Shares and Deposits
168,133,425
Total Shares and Deposits < 1 Year
151,890,909
Total Shares and Deposits 1 3 Years
15,649,776
Total Shares and Deposits > 3 Years
592,739
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,914,002
Total Uninsured Shares and Deposits > $250K (F+J)
14,914,002
Total Insured Shares and Deposits > $250K (item 17 less item K)
153,219,423
Total Interest Expense (Sum of items 6 8)
520,450
Share Certificates
994
Number of Accounts for Share Drafts
7,432
IRA KEOGH Accounts
267
Number of Accounts for Regular Shares
13,412
Non Member Deposits
53
Money Market Shares
276
Net Income (unless the amount is already included in Undivided Earnings)
15,216
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)
7,992,711
Total Liabilities
168,809,326
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for XCEL Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for XCEL Federal Credit Union
Frequently Asked Questions About XCEL Federal Credit UnionHow 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. Current XCEL Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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