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XCEL Federal Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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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| iEditorial Disclosure
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 13, 2026

XCEL Federal Credit Union's top rates as of October 13, 2026 are 4.05% APY on its CD - 12 month, 0.10% APY on savings, 0.90% APY on money market accounts, 0.05% APY on checking, personal loans from 9.99% APR, and credit cards from 13.74% APR, according to rates verified by MonitorBankRates. Other XCEL Federal Credit Union CD rates include CDs / IRA CDs - 12 month at 4.05%, CD - 18 month at 4.00%, and CDs / IRA CDs - 18 month at 4.00%. 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 10/13/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.87%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
XCEL Federal Credit Union
XCEL Federal Credit Union
1460 Broad St
Bloomfield, NJ 07003
https://www.xcelfcu.org
Member NCUA
Customer Reviews
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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
Min Balance $500
Details Minimum deposit of $500 required to open and earn the stated APY; Membership eligibility required; Matures into a 12-month Share Certificate at prevailing rate unless alternate instructions are provided
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 12 month 3.98% 4.05% 12 Months
Min Deposit $500
Details Minimum deposit of $500 required to open and earn the stated APY; upon maturity rolls into a 12-month Share Certificate at prevailing rate; membership eligibility required
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 13, 2026
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
Min Balance $500
Details New Deposits Only; Minimum deposit of $500 required to open and earn the stated APY
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 18 month 3.93% 4.00% 18 Months
Min Deposit $500
Details New Deposits Only; Minimum deposit of $500 required to open and earn the stated APY
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
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
Min Balance $500
Details Minimum deposit of $500 required to open and earn the stated APY
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
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
Min Balance $500
Details Minimum deposit of $500 required to open and earn the stated APY; Membership eligibility required; Not eligible for IRA certificates; Matures into a 6-month Share Certificate at prevailing rate unless alternate instructions are provided
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 24 month 3.44% 3.50% 24 Months
Min Deposit $500
Details Minimum balance to open account and obtain the APY is $500
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 7 month 3.44% 3.50% 7 Months
Min Deposit $500
Details Minimum deposit of $500 required to open and earn the stated APY; upon maturity rolls into a 6-month Share Certificate at prevailing rate; membership eligibility required; not eligible for IRA certificates
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
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
Min Balance $500
Details Minimum deposit of $500 required to open and earn the stated APY
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
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
Min Balance $500
Details Minimum deposit of $500 required to open and earn the stated APY
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
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
Min Balance $500
Details Minimum deposit of $500 required to open and earn the stated APY
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 36 month 3.25% 3.30% 36 Months
Min Deposit $500
Details Minimum balance to open account and obtain the APY is $500
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 48 month 3.25% 3.30% 48 Months
Min Deposit $500
Details Minimum balance to open account and obtain the APY is $500
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 60 month 3.25% 3.30% 60 Months
Min Deposit $500
Details Minimum balance to open account and obtain the APY is $500
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
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
Min Balance $500
Details Minimum deposit of $500 required to open and earn the stated APY
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 6 month 2.96% 3.00% 6 Months
Min Deposit $500
Details Minimum balance to open account and obtain the APY is $500
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 13, 2026
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
Min Balance $500
Details Minimum deposit of $500 required to open and earn the stated APY
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Certificates / IRA Certificates - 3 month 0.50% 0.50% 3 Months
Min Deposit $500
Details Minimum balance to open account and obtain the APY is $500
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 13, 2026
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
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
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
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
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 Balance $25,000
Details Tier 4; Balance: $25,000 or More
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 8 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Money Market 0.75% 0.75%
Min Balance $10,000
Details Tier 3; Balance: $10,000 - $25,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Money Market 0.65% 0.65%
Min Balance $2,500
Details Tier 2; Balance: $2,500 - $10,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 8 times
0.15%0.65%1.15%Sep 14, 2026: 0.65% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Money Market 0.50% 0.50%
Min Balance $1,000
Details Tier 1; Balance: $1,000 - $2,500
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
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
Details Balance: $2,500 - more
Last Updated 10/13/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 9, 2026: 0.05% APYOct 9, 2026Oct 13, 2026
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 Loans (1st Lien) - 5 Year Fixed - - 6.69% 5 Year
Details As Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.69% APR · checked 9 times
6.19%6.69%7.19%Sep 14, 2026: 6.69% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loans (1st Lien) - 10 Year Fixed - - 6.99% 10 Year
Details As Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 9 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loans (1st Lien) - 15 Year Fixed - - 7.29% 15 Year
Details As Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.29% APR · checked 9 times
6.79%7.29%7.79%Sep 14, 2026: 7.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loans (2nd Lien) - 5 Year Fixed - - 7.29% 5 Year
Details As Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.29% APR · checked 9 times
6.79%7.29%7.79%Sep 14, 2026: 7.29% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loans (1st Lien) - 20 Year Fixed - - 7.59% 20 Year
Details As Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%; Minimum loan amount $10,000
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.59% APR · checked 9 times
7.09%7.59%8.09%Sep 14, 2026: 7.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loans (2nd Lien) - 10 Year Fixed - - 7.59% 10 Year
Details As Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.59% APR · checked 9 times
7.09%7.59%8.09%Sep 14, 2026: 7.59% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loans (2nd Lien) - 15 Year Fixed - - 7.89% 15 Year
Details As Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 7.89% APR · checked 9 times
7.39%7.89%8.39%Sep 14, 2026: 7.89% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Home Equity Loans (2nd Lien) - 20 Year Fixed - - 8.19% 20 Year
Details As Low As; Maximum Loan Amount: $350,000; Maximum Combined LTV: 80%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.19% APR · checked 9 times
7.69%8.19%8.69%Sep 14, 2026: 8.19% APRSep 14, 2026Oct 13, 2026
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 Loan - - 3.49% 24 Months
Details As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 5, 2026 · 3.49% APR · checked 3 times
2.99%3.49%3.99%Oct 5, 2026: 3.49% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 3.99% 24 Months
Details As Low As; Without Direct Deposit; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 5, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Oct 5, 2026: 3.99% APROct 5, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 4.29% 36 Months
Details As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
1 change since Sep 17, 2026 · 4.49% → 4.29% ▼ 0.20 pts · high 4.49% / low 4.29%
3.79%4.39%4.99%Sep 17, 2026: 4.49% APROct 5, 2026: 4.29% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20264.29%▼ from 4.49%
  • Sep 17, 20264.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 4.79% 36 Months
Details As Low As; Without Direct Deposit; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
1 change since Sep 17, 2026 · 4.99% → 4.79% ▼ 0.20 pts · high 4.99% / low 4.79%
4.29%4.89%5.49%Sep 17, 2026: 4.99% APROct 5, 2026: 4.79% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20264.79%▼ from 4.99%
  • Sep 17, 20264.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 4.89% 60 Months
Details As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 4.89% APR · checked 8 times
4.39%4.89%5.39%Sep 17, 2026: 4.89% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - - 4.99% 36 Months
Details As Low As; With Direct Deposit; Without direct deposit APR: 5.49%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - - 5.14% 60 Months
Details As Low As; With Direct Deposit; Without direct deposit APR: 5.64%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 7 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 5.39% 60 Months
Details As Low As; Without Direct Deposit; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 5.39% APR · checked 8 times
4.89%5.39%5.89%Sep 17, 2026: 5.39% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 5.49% 72 Months
Details As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 17, 2026: 5.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - - 5.49% 36 Months
Details As Low As; Without Direct Deposit; With direct deposit APR: 4.99%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - - 5.64% 60 Months
Details As Low As; Without Direct Deposit; With direct deposit APR: 5.14%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 7 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - - 5.74% 72 Months
Details As Low As; With Direct Deposit; Without direct deposit APR: 6.24%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 7 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 5.99% 72 Months
Details As Low As; Without Direct Deposit; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 17, 2026: 5.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 6.09% 84 Months
Details As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
1 change since Sep 17, 2026 · 5.89% → 6.09% ▲ 0.20 pts · high 6.09% / low 5.89%
5.39%5.99%6.59%Sep 17, 2026: 5.89% APROct 5, 2026: 6.09% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20266.09%▲ from 5.89%
  • Sep 17, 20265.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - - 6.14% 84 Months
Details As Low As; With Direct Deposit; Without direct deposit APR: 6.64%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.14% APR · checked 7 times
5.64%6.14%6.64%Sep 14, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - Motorcycle - - 6.19% 36 Months
Details As Low As; Motorcycle; With Direct Deposit; Without direct deposit APR: 6.69%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 6.19% APR · checked 2 times
5.69%6.19%6.69%Sep 18, 2026: 6.19% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - - 6.24% 72 Months
Details As Low As; Without Direct Deposit; With direct deposit APR: 5.74%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 7 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Auto / Truck Loan - - 6.59% 84 Months
Details As Low As; Without Direct Deposit; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
1 change since Sep 17, 2026 · 6.39% → 6.59% ▲ 0.20 pts · high 6.59% / low 6.39%
5.89%6.49%7.09%Sep 17, 2026: 6.39% APROct 5, 2026: 6.59% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20266.59%▲ from 6.39%
  • Sep 17, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - - 6.64% 84 Months
Details As Low As; Without Direct Deposit; With direct deposit APR: 6.14%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 6.64% APR · checked 7 times
6.14%6.64%7.14%Sep 14, 2026: 6.64% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - Motorcycle - - 6.69% 36 Months
Details As Low As; Motorcycle; Without Direct Deposit; With direct deposit APR: 6.19%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 6.69% APR · checked 2 times
6.19%6.69%7.19%Sep 18, 2026: 6.69% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - Motorcycle - - 6.69% 60 Months
Details As Low As; Motorcycle; With Direct Deposit; Without direct deposit APR: 7.19%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 6.69% APR · checked 2 times
6.19%6.69%7.19%Sep 18, 2026: 6.69% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - Motorcycle - - 7.19% 60 Months
Details As Low As; Motorcycle; Without Direct Deposit; With direct deposit APR: 6.69%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 7.19% APR · checked 2 times
6.69%7.19%7.69%Sep 18, 2026: 7.19% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - Motorcycle - - 7.19% 72 Months
Details As Low As; Motorcycle; With Direct Deposit; Without direct deposit APR: 7.69%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 7.19% APR · checked 2 times
6.69%7.19%7.69%Sep 18, 2026: 7.19% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - Motorcycle - - 7.69% 72 Months
Details As Low As; Motorcycle; Without Direct Deposit; With direct deposit APR: 7.19%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 7.69% APR · checked 2 times
7.19%7.69%8.19%Sep 18, 2026: 7.69% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - Motorcycle - - 7.69% 84 Months
Details As Low As; Motorcycle; With Direct Deposit; Without direct deposit APR: 8.19%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 7.69% APR · checked 2 times
7.19%7.69%8.19%Sep 18, 2026: 7.69% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Auto / Truck / Motorcycle Loans - Motorcycle - - 8.19% 84 Months
Details As Low As; Motorcycle; Without Direct Deposit; With direct deposit APR: 7.69%; Direct deposit minimum $500 per month
Last Updated 10/13/2026
Rate History
No change since Sep 18, 2026 · 8.19% APR · checked 2 times
7.69%8.19%8.69%Sep 18, 2026: 8.19% APRSep 18, 2026Oct 13, 2026
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 - 5.69% 36 Months
Details As Low As; With Direct Deposit (minimum $500 per month); Motorcycle; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 5.69% APR
5.19%5.69%6.19%Oct 13, 2026: 5.69% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 6.19% 36 Months
Details As Low As; Without Direct Deposit; Motorcycle; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.19% APR
5.69%6.19%6.69%Oct 13, 2026: 6.19% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 6.19% 60 Months
Details As Low As; With Direct Deposit (minimum $500 per month); Motorcycle; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.19% APR
5.69%6.19%6.69%Oct 13, 2026: 6.19% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 6.69% 60 Months
Details As Low As; Without Direct Deposit; Motorcycle; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.69% APR
6.19%6.69%7.19%Oct 13, 2026: 6.69% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 6.69% 72 Months
Details As Low As; With Direct Deposit (minimum $500 per month); Motorcycle; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 6.69% APR
6.19%6.69%7.19%Oct 13, 2026: 6.69% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 7.19% 72 Months
Details As Low As; Without Direct Deposit; Motorcycle; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 7.19% APR
6.69%7.19%7.69%Oct 13, 2026: 7.19% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 7.19% 84 Months
Details As Low As; With Direct Deposit (minimum $500 per month); Motorcycle; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 7.19% APR
6.69%7.19%7.69%Oct 13, 2026: 7.19% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
New Motorcycle Loan - 7.69% 84 Months
Details As Low As; Without Direct Deposit; Motorcycle; New vehicles 2026 & 2025 models with 10,000 miles or less
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 7.69% APR
7.19%7.69%8.19%Oct 13, 2026: 7.69% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 8.69% 36 Months
Details As Low As; Without direct deposit APR: 9.19%; Direct deposit minimum $500 per month; Rates as of 10/12/2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 8.69% APR · checked 9 times
8.19%8.69%9.19%Sep 14, 2026: 8.69% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 9.19% 60 Months
Details As Low As; Without direct deposit APR: 9.69%; Direct deposit minimum $500 per month; Rates as of 10/12/2026
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 9.19% APR · checked 8 times
8.69%9.19%9.69%Sep 17, 2026: 9.19% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 9.19% 36 Months
Details As Low As; Without Direct Deposit; Rates as of 10/12/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 8.69% → 9.19% ▲ 0.50 pts · high 9.19% / low 8.69%
8.19%8.94%9.69%Sep 14, 2026: 8.69% APRSep 17, 2026: 9.19% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20269.19%▲ from 8.69%
  • Sep 14, 20268.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 9.69% 72 Months
Details As Low As; Without direct deposit APR: 10.19%; Direct deposit minimum $500 per month; Rates as of 10/12/2026
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 9.69% APR · checked 8 times
9.19%9.69%10.19%Sep 17, 2026: 9.69% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 9.69% 60 Months
Details As Low As; Without Direct Deposit; Rates as of 10/12/2026
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 9.69% APR · checked 8 times
9.19%9.69%10.19%Sep 17, 2026: 9.69% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 10.19% 84 Months
Details As Low As; Without direct deposit APR: 10.69%; Direct deposit minimum $500 per month; Rates as of 10/12/2026
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 10.69% → 10.19% ▼ 0.50 pts · high 10.69% / low 10.19%
9.69%10.44%11.19%Sep 14, 2026: 10.69% APRSep 17, 2026: 10.19% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 202610.19%▼ from 10.69%
  • Sep 14, 202610.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 10.19% 72 Months
Details As Low As; Without Direct Deposit; Rates as of 10/12/2026
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 10.19% APR · checked 8 times
9.69%10.19%10.69%Sep 17, 2026: 10.19% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Used Boat & Recreational Vehicle Loan - 10.69% 84 Months
Details As Low As; Without Direct Deposit; Rates as of 10/12/2026
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 10.69% APR · checked 9 times
10.19%10.69%11.19%Sep 14, 2026: 10.69% APRSep 14, 2026Oct 13, 2026
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%
Details As Low As; Intro rate expires: 6 months; 12 Month Balance Transfer Intro APR: 3.99%; Regular APR: 13.74%
Last Updated 10/13/2026
Rate History
1 change since Sep 18, 2026 · 13.49% → 13.74% ▲ 0.25 pts · high 13.74% / low 13.49%
12.99%13.62%14.24%Sep 18, 2026: 13.49% APROct 5, 2026: 13.74% APRSep 18, 2026Oct 13, 2026
  • 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%
Details As Low As; No intro rate offered (Intro APR 6 Months and 12 Month Balance Transfer shown as N/A)
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 16.00% APR · checked 9 times
15.50%16.00%16.50%Sep 14, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
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 - With Direct Deposit Loan 9.99% Up to 36 Months
Details As Low As; Direct deposit minimum $500 per month; Secured and unsecured personal loan
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 9.99% APR
9.49%9.99%10.49%Oct 13, 2026: 9.99% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan 9.99% Up to 36 Months
Details As Low As; Direct deposit APR; Without direct deposit APR: 10.49%
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 9.99% APR · checked 9 times
9.49%9.99%10.49%Sep 14, 2026: 9.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal - With Direct Deposit Loan 10.49% 37 - 60 months
Details As Low As; Direct deposit minimum $500 per month; Secured and unsecured personal loan
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 13, 2026: 10.49% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal - Without Direct Deposit Loan 10.49% Up to 36 Months
Details As Low As; Without direct deposit; Secured and unsecured personal loan
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 10.49% APR
9.99%10.49%10.99%Oct 13, 2026: 10.49% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan 10.49% 37 - 60 months
Details As Low As; Direct deposit APR; Without direct deposit APR: 10.99%
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 10.49% APR · checked 8 times
9.99%10.49%10.99%Sep 17, 2026: 10.49% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal - With Direct Deposit Loan 10.99% 61 - 72 Months
Details As Low As; Direct deposit minimum $500 per month; Secured and unsecured personal loan
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 13, 2026: 10.99% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal - Without Direct Deposit Loan 10.99% 37 - 60 months
Details As Low As; Without direct deposit; Secured and unsecured personal loan
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 10.99% APR
10.49%10.99%11.49%Oct 13, 2026: 10.99% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan 10.99% 61 - 72 Months
Details As Low As; Direct deposit APR; Without direct deposit APR: 11.49%
Last Updated 10/13/2026
Rate History
No change since Sep 17, 2026 · 10.99% APR · checked 8 times
10.49%10.99%11.49%Sep 17, 2026: 10.99% APRSep 17, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal - With Direct Deposit Loan 11.49% 73 - 84 Months
Details As Low As; Direct deposit minimum $500 per month; Secured and unsecured personal loan
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 13, 2026: 11.49% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal - Without Direct Deposit Loan 11.49% 61 - 72 Months
Details As Low As; Without direct deposit; Secured and unsecured personal loan
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 11.49% APR
10.99%11.49%11.99%Oct 13, 2026: 11.49% APROct 13, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Personal Loan 11.49% 73 - 84 Months
Details As Low As; Direct deposit APR; Without direct deposit APR: 11.99%
Last Updated 10/13/2026
Rate History
1 change since Sep 14, 2026 · 11.99% → 11.49% ▼ 0.50 pts · high 11.99% / low 11.49%
10.99%11.74%12.49%Sep 14, 2026: 11.99% APRSep 17, 2026: 11.49% APRSep 14, 2026Oct 13, 2026
  • 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 - Without Direct Deposit Loan 11.99% 73 - 84 Months
Details As Low As; Without direct deposit; Secured and unsecured personal loan
Last Updated 10/13/2026
Rate History
No change since Oct 13, 2026 · 11.99% APR
11.49%11.99%12.49%Oct 13, 2026: 11.99% APROct 13, 2026Oct 13, 2026
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
Details Published APR range: 10.99% -16.99%. As Low As; Without direct deposit APR; With direct deposit: N/A
Last Updated 10/13/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 9 times
10.49%10.99%11.49%Sep 14, 2026: 10.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.87%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 4.11% A+ Q3 2023 A Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A Q1 2026 5.87% A+ Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$186M5.87%5.0A+
March 31, 2026$186M7.43%5.0A
December 31, 2025$186M5.88%5.0A+
September 30, 2025$185M4.33%5.0A+
June 30, 2025$189M4.36%5.0A+
March 31, 2025$189M4.18%5.0A+
December 31, 2024$186M6.91%5.0A
September 30, 2024$186M4.74%5.0A+
June 30, 2024$188M4.64%5.0A+
March 31, 2024$192M3.46%5.0A+
December 31, 2023$183M6.16%5.0A
September 30, 2023$182M4.11%5.0A+
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.

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 Pierina Pantano
Full-Time Employees 37
Part-Time Employees 1
Branch Locations 3
ATM Locations 3
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.87%
Return on Assets (ROA)
0.0711%
Return on Equity (ROE)
0.6508%
Non-Performing Loans Ratio (NPL)
0.99%
Total Assets
185,842,392
Total Amount of Shares and Deposits
167,937,085
Total Shares and Deposits < 1 Year
160,104,659
Total Shares and Deposits 1 3 Years
7,238,424
Total Shares and Deposits > 3 Years
594,001
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
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Frequently Asked Questions About XCEL Federal Credit Union

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.

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.

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