At Xcel Federal Credit Union, our mission is clear: to empower our members across NY with community-focused, member-first service that prioritizes your financial well-being. Under the leadership of CEO Michael Mahiya and Board President Phyllis Ford, we are dedicated to fostering a cooperative environment where your needs come first. We understand that in today’s fast-paced world, convenience is key. That's why we offer a suite of modern services designed to enhance your banking experience — from electronic signature authorization and e-statements to mobile payments and a dedicated mobile app. With online banking and person-to-person payment support at your fingertips, managing your finances has never been easier. Explore all that we have to offer by visiting us at https://www.xcelfcu.org/ or reach out via fax at 9735288772. Join us on this journey toward financial empowerment!

At Xcel Federal Credit Union, we understand that managing your finances is a crucial part of daily life in NY, whether you're saving for a dream home, planning for retirement, or simply navigating everyday expenses. Our comprehensive range of personal banking services is designed with you in mind, offering convenient checking and savings accounts to help you stay on top of your financial goals. With features like online banking and our user-friendly mobile application, accessing your accounts has never been easier. You can easily check your balances, transfer funds, and manage your finances on the go, ensuring you have full control over your money whenever you need it.

When it comes to making significant purchases or investments, our loan options provide the flexibility and support needed to turn your dreams into reality. From auto loans and mortgage refinancing to personal loans tailored for debt consolidation, we offer competitive rates and terms that suit various financial situations. For our business members, we also provide robust banking support including merchant services and business loans to help you grow your enterprise. Plus, with digital conveniences like e-statements, electronic signatures for hassle-free transactions, and person-to-person payment capabilities, managing your finances is straightforward and efficient. At Xcel Federal Credit Union, we’re committed to providing accessible solutions that empower our members to achieve their financial aspirations with confidence.

At Xcel Federal Credit Union in NY, we believe that banking should be simple and accessible for everyone. Becoming a member and opening an account with us is a breeze—our streamlined process ensures you can start enjoying our services without any hassle. Curious about your eligibility? You can easily check it out at http://www.xcelfcu.org/join/membership/who-we-serve . What truly sets us apart are our core values: trust, community engagement, personalized service, and financial reliability. We take pride in being a part of the NY community, offering tailored solutions to meet your unique financial needs while fostering lasting relationships with our members. Whether you're looking for personal loans, mortgage refinancing, or convenient online banking options, we're here to support you every step of the way. Don't forget to explore the financial insights sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov to understand how we maintain our commitment to excellence. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Join us at Xcel Federal Credit Union—where your financial journey begins!