Xcel Federal Credit Union


1460 Broad St
Bloomfield, NJ 07003
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 2.55% →
1-Year CD 0.25% 2.80% →
2-Year CD 0.65% 3.20% →
5-Year CD 0.95% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Xcel is an NCUA insured institution located in Bloomfield, NJ. It was founded in 1964 and has approximately $200.12 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 16218
Date Established 1964
Assets $200.12 million
Loans $101.36 million
Deposits $184.57 million
Capital $19.46 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 - August 11, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.35% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.15% $500 - Learn More
12 Mo CD
0.25% $500 $14,999 Learn More
24 Mo CD
0.65% $500 - Learn More
36 Mo CD
0.75% $500 - Learn More
48 Mo CD
0.85% $500 - Learn More
60 Mo CD
0.95% $500 - Learn More
Variable IRA Rates APY MIN MAX
0.10% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 11, 2022

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
First Citizens Bank
NMLS ID: 503941
4.933% 4.875% 0.63 $1,658 $1,324 Learn More
Filo Mortgage, LLC
NMLS ID: 1928741
4.418% 4.375% 0.50 $1,282 $1,249 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

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.

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Climate Initiatives

XCEL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
7.34% 4.75

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 March 31, 2022, Xcel had $715,005 in non-current loans and $772,963 in owned assets. To cover these potential losses it had $19,461,230 in net worth and $800,260 in loans loss reserves. That gives it a Texas Ratio of 7.34%.

Net Worth
Xcel U.S. Average
9.72% 12.28%

Xcel FCU has a net worth of 9.72% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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