XCEL Federal Credit Union CD Rates: 5.45% APY 18-Month, 5.25% APY 24-Month (Nationwide)

Find all the latest XCEL Federal Credit Union CD Rates, offers, and promotions here.

Best CD Rates: 5.45% APY 18-Month, 5.25% APY 24-Month, minimum $500 deposit of new money.

Availability: Nationwide

Credit Inquiry: Soft Pull

About XCEL Federal Credit Union

Since their inception in 1964, XCEL Federal Credit Union has been serving their members with exceptional financial products and services.

While XCEL FCU has branches in New Jersey and New York they offer an online banking service that makes it easy to manage your account at your own convenience.

XCEL FCU offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you. You can fund your account ACH, wire, check (in-branch), or Shared Branch transfer. The account ownership can be individual, joint, and trust.

*The above rates are accurate as of 12/29/2023*

XCEL Federal Credit Union CD Rates

CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make. The interest is compounded and credited monthly which can be withdrawn penalty-free.

With as little as $500, you can invest in a XCEL CD account to maximize your earnings. If you’re interested in making a higher rate than a traditional savings account then make sure to check out the CD rates below.

• Minimum deposit: $500
• Maximum deposit: None
• Early withdrawal penalty: 90 days interest on the amount withdrawn

(NCUA Insured)

XCEL FCU CD Features

• Unlimited number of beneficiaries
• Low minimum balance requirement
• Competitive rates on all CD terms
• Free online and mobile banking
• Insured by the NCUA up to the maximum allowed by law

Bottom Line

With a unique selection of CD lengths to choose from, you can be sure to find an account that best fits all your banking needs. Take advantage of a low required minimum balance of just $500. They will give you 7 calendar days grace period to withdrawn your maturing funds. You can do so via ACH, wire, cashier’s check to address on file, or internal transfer to share savings account.

However, if you are looking for an account that requires little management, a CD or Savings account may be the perfect account for you. The XCEL Federal Credit Union CD rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.

This is a great opportunity to invest in a high-interest CD from XCEL Federal Credit Union. However, you may want to compare them with our best CD Rates:

• Best 6-Month CD Rates
• Best 9-Month CD Rates
• Best 12-Month CD Rates
• Best 18-Month CD Rates
• Best 24-Month CD Rates
• Best 36-Month CD Rates
• Best 48-Month CD Rates
• Best 60-Month CD Rates
• Best No Penalty CD Rates

You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience.

Check back often for the latest XCEL Federal Credit Union CD rates!

Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.