Credit union · NCUA insured
XCEL Federal Credit Union Savings Rates
XCEL Federal Credit Union’s best savings rate is 4.08% APY on $10,000, with its Lift High Yield Savings. Rates checked October 22, 2026.
How XCEL Federal Credit Union’s savings rates compare
Compared with banks and credit unions near New York, NY-NJ, where XCEL Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
XCEL Federal Credit Union
4.08%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $408
Lift High Yield Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
XCEL Federal Credit Union savings score
83
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where XCEL Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Lift High Yield Savings
Up to 4.08%APY
Earn high-interest dividends. Access to your money in the XCEL Digital Banking App. No monthly fees. Minimum opening deposit of $1,000 required. Federally insured up to $250,000 by the NCUA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upWith Direct Deposit from payroll or pension. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.$1,000 and up | 3.00% | $300 | With Direct Deposit from payroll or pension. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings. |
| $1,000 and upIntro Rate - First 60 Days. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings.$1,000 and up | 4.08% | $408 | Intro Rate - First 60 Days. Minimum to earn Dividend is $1,000. Minimum to open is $1,000. Fees may reduce earnings. |
Sources (2)
All captured Oct 22, 2026
Regular Savings
0.10%APY
Open with a $5 minimum deposit to establish XCEL membership. Earn dividends on balances over $50. No monthly fees. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum to earn Dividend is $50. Minimum to open is $5. Fees may reduce earnings.$50 and up | 0.10% | $10 | Minimum to earn Dividend is $50. Minimum to open is $5. Fees may reduce earnings. |
Sources (3)
- xcelfcu.org/Explore/Resources/Rates
- xcelfcu.org/Save-Spend/Savings/Saving-Accounts
- xcelfcu.org/Save-Spend/Savings…ts/Regular-Savings-Share
All captured Oct 22, 2026
Savings (Additional)
0.10%APY
No monthly fees. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to earn Dividend is $0. Minimum to open is $0. Fees may reduce earnings.Any balance | 0.10% | $10 | Minimum to earn Dividend is $0. Minimum to open is $0. Fees may reduce earnings. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Money Market
Up to 0.75%APY
Tiered dividends paid monthly. Minimum withdrawal amount $500. Offering membership to select companies and organizations in New Jersey and New York.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $2,500 | 0.50% | — |
| $2,500 – $10,000 | 0.65% | $65 |
| $10,000 – $25,000 | 0.75% | $75 |
| $25,000 and up | 0.90% | — |
Sources (2)
All captured Oct 4, 2026
Holiday Club
0.10%APY
Interest-bearing account to set aside funds for special occasions/holiday spending. Minimum deposit can be as little as $5 biweekly. Deposits can be made by mail, in person, or through Direct Deposit. No monthly fees. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to earn Dividend is $0. Minimum to open is $0. Fees may reduce earnings.Any balance | 0.10% | $10 | Minimum to earn Dividend is $0. Minimum to open is $0. Fees may reduce earnings. |
Sources (3)
- xcelfcu.org/Explore/Resources/Rates
- xcelfcu.org/Save-Spend/Savings/Saving-Accounts
- xcelfcu.org/Save-Spend/Savings…g-Accounts/Club-Accounts
All captured Oct 22, 2026
Savings (IRA)
0.10%APY
IRA savings account. Traditional and Roth IRAs are tax advantaged tools. Contributions and withdrawals subject to IRS rules. No monthly fees. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum to earn Dividend is $0. Minimum to open is $0. Fees may reduce earnings.Any balance | 0.10% | $10 | Minimum to earn Dividend is $0. Minimum to open is $0. Fees may reduce earnings. |
Sources (3)
- xcelfcu.org/Explore/Resources/Rates
- xcelfcu.org/Save-Spend/Savings/Saving-Accounts
- xcelfcu.org/Save-Spend/Savings…Retirement-Accounts-IRAs
All 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.