Credit union · NCUA insured
XCEL Federal Credit Union
A $186M credit union headquartered in Bloomfield, NJ, with 12,009 members and 2 branches in 2 states. Best rates: CDs 4.05% and savings 4.08% APY.
XCEL Federal Credit Union Carrot Score
82
Carrot Score
Higher than 58% of U.S. banks and credit unions
#71 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About XCEL Federal Credit Union
Founded in 1964 by Port Authority of NY/NJ employees, XCEL Federal Credit Union is a member-owned non-profit credit union based at its operations headquarters in Bloomfield, New Jersey.
The credit union serves individuals, families, and businesses across New Jersey, New York, and nationwide.
- Headquarters
- 1460 Broad St, Bloomfield, NJ 07003
- NCUA charter
- 16218
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to select companies and organizations in New Jersey and New York.
Family and household
- Immediate family members are eligible to join.
Cost to join
- There are no membership fees.
Branches
2 branches in 2 states
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New Jersey
1 branch
- XCEL Federal Credit Union30 Path Plz, Journal Square, Jersey City, NJ 07306Directions
New York
1 branch
- XCEL Federal Credit Union26 Federal Plz Fl 31, New York, NY 10278Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.93% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.99% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.14% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio10.93%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.99%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.14%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of XCEL Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.