1460 Broad St
Bloomfield, NJ 07003

Notable Rates APY Vs.Others
Savings 0.10% 2.20% →
1-Year CD 2.00% 2.20% →
2-Year CD 2.25% 2.20% →
5-Year CD 2.50% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Xcel is an NCUA insured institution located in Bloomfield, NJ. It was founded in 1964 and has approximately $193.06 millions in assets.

NCUA Insured Yes
Charter Number # # 16218
Date Established 1964
Assets $193.06 million
Loans $131.32 million
Deposits $175.19 million
Capital $18.09 million

Field of Membership Restrictions

Membership in Xcel Federal Credit Union is open to anyone through joining the American Consumer Council. Membership is also open to employees and members of Bloomfield College, Essex City Electricians Association, Hudson County, US Department of Justice, US Department of Education and over 100 Select Employer Groups.

Deposit Rates - February 22, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.35% $2,500 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $24,999 Learn MoreShow Less
Money Market
0.45% $25,000 - Learn MoreShow Less
Fixed IRA
2.00% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.35% $500 - Learn MoreShow Less
6 Mo CD
0.75% $500 - Learn MoreShow Less
12 Mo CD
2.00% $500 - Learn MoreShow Less
24 Mo CD
2.25% $500 - Learn MoreShow Less
36 Mo CD
2.50% $500 - Learn MoreShow Less
48 Mo CD
2.50% $500 - Learn MoreShow Less
60 Mo CD
2.50% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 - Learn MoreShow Less

Loan Rates - February 22, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for XCEL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: MC-3098
3.284% 3.250% 0.38 $1,070 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to XCEL
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Xcel branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Xcel Locations

Financial Details

Xcel Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Xcel. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Xcel U.S. Average
9.23% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Xcel had $986,768 in non-current loans and $969,915 in owned assets. To cover these potential losses it had $18,092,348 in net worth and $3,117,679 in loans loss reserves. That gives it a Texas Ratio of 9.23%.

Net Worth
Xcel U.S. Average
9.37% 13.65%

Xcel FCU has a net worth of 9.37% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Xcel

Branches and Savings

What is Xcel?

A federal credit union, registered with the NCUA under certificate #16218.
Learn more about credit unions here.

Is Xcel FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Xcel?

Please see Field of Membership information above for information on who is eligible to join.

What are Xcel's share account and share certificate rates?

Xcel's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Xcel?

Xcel has total capital of $18.09 million. Full information on Xcel's financial position is located above.

Who owns Xcel?

Credit Unions are owned by their members.

Where are Xcel branches located?

See branch locations nearby.

Are Xcel ATMs Open 24/7?

Do Xcel ATMs accept cash deposits?

Can Xcel customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Xcel have a mobile app?

Does Xcel have mobile deposit?

Does Xcel have quick pay?

How can Xcel transfer money to other banks or credit unions?

Does Xcel report to credit bureaus?

Does Xcel use Chexsystems?

Does Xcel use Equifax?

What is Xcel's toll free phone number?

What is Xcel's ACH Routing Number?

What is Xcel's SWIFT code?

Where can I find Xcel's wire transfer form?

What is the Xcel address for deposits?

What Products Does Xcel Offer

Does Xcel offer mortgages?

Compare mortgage rates here.

Does Xcel offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Xcel offer auto and RV loans?

Compare auto loan rates here.

Does Xcel offer student loans or personal loans?

Compare personal loan rates here.

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