Xcel Federal Credit Union

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A short history of Xcel FCU

Since its inception in 1964 the Xcel Federal Credit Union has been serving its members in the Bloomfield, New Jersey area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Linda McFadden, the Xcel FCU has grown its membership to over 19,953 with assets of more than $183,439,746. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (973) 275-9235 or email them at xcel@xcelfcu.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Bloomfield, NJ.

General Information For Xcel FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 16218
Address 1460 Broad St 
City Bloomfield 
State New Jersey 
Zip-Code 07003
Phone Number (973) 275-9235
Fax Number (973) 528-8772
Email Address: xcel@xcelfcu.org
CEO/President Linda McFadden
Members 19,953 
Full-Time Employees 36 
Part-Time Employees
Number of Branch Offices
Total Assets 183,439,746 
Website http://www.xcelfcu.org 

Compare Xcel Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Bloomfield Fire And Police CU Fire Headquarters 375 Franklin St 07003 (973) 680-4123 No 1.19
Essex County Teachers CU ECTFCU 125 Franklin St 07003 (973) 748-8847 No 1.49
West Orange Municipal CU Main office 342 Main St 07052 (973) 736-1929 No 2.65
Proponent CU Branch 10 536 Washington Ave 07110 (973) 338-1133 No 2.72
West Hudson Teachers CU whtfcu 180 Prospect Ave 07031 (201) 991-0845 No 2.98

Xcel Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Xcel Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.99 2.49 2.99 5.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 253 83 91 268 100
Rank Among All New Jersey Credit Unions 23 11 15 40 12

Xcel Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.10 0.35 1.44 1.13
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 129 89 98 142
Rank Among All New Jersey Credit Unions N/A 31 8 11 11
Xcel Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.9903,93710,965,170
All Other Unsecured Loans/Lines of Credit 9.9904,57332,210,829
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.0008,75811,592,717
New Vehicle Loans 2.4901874,224,530
Used Vehicle Loans 2.9902,11226,690,753
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.0009422,510,860
Total Other Real Estate Loans/Lines of Credit 4.00048731,871,431
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.0001095,896,087
TOTAL LOANS & LEASES 20,257145,962,377

Xcel Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 419,738,35300
    b. 15 Years or less 121,891,31000
    a. > 15 years 1182,03400
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 4010,699,1631126,750


Closed-End Fixed Rate 20313,330,334261,203,168
Closed-End Adjustable Rate 28418,541,097453,511,274
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000
TOTALS 58154,382,291724,841,192


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 91,109,8350
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Xcel Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing No
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes