), which is backed by the full faith and credit of the U.S. government. At XCEL busy life, and friendly, personal service - to make you feel right at home! XCEL Federal Credit Union is a not-for-profit financial institution that offers outstanding loan rates and great dividend rates.

-rate, adjustable-rate, interest-only, low down payment loans, less than perfect credit, first-time homebuyers, FHA purchase and streamline refinancing, home