Credit union · NCUA insured
XCEL Federal Credit Union Credit Card Rates
XCEL Federal Credit Union credit card rates start at 16.00% APR. Rates checked October 22, 2026.
How XCEL Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where XCEL Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
XCEL Federal Credit Union
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa® Secured Credit Card
Variable APR based on WSJ Prime Rate and credit history. Minimum monthly payment is 3% of outstanding balance or $10, whichever is greater. Direct deposit discount does not apply. Balance transfer fee is $10.00 or 3.00% of the amount of each balance transfer, whichever is greater. Cash advance fee is $5.00 or 2.00% of the amount of each cash advance, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.00% | None | Variable APR as low as 16.00%; introductory rates not applicable. Rate varies with the market based on the WSJ Prime Rate (7.00% as of 10/1/2026). Direct deposit discount does not apply. |
Sources (2)
All captured Oct 22, 2026
XCEL VISA® with uChoose Rewards™
Credit limits up to $25,000 and no annual fee. Rates, terms, and conditions are based on creditworthiness and subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | Introductory rate of 2.99% APR for 6 months on eligible purchases made within 60 days of account opening using the XCEL Visa Credit Card for new accounts. |
| Intro, 12 months | 3.99% | None | Introductory rate of 3.99% APR for 12 months on all balance transfers for new and existing cardholders. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- xcelfcu.org/Borrow/Credit-Card…inum-Rewards-Credit-Card · captured Oct 22, 2026
Who can join XCEL Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.