XCEL Federal Credit Union Mortgage Rates
XCEL Federal Credit Union currently offers a 30-year fixed mortgage at 7.351% APR, 0.77 points above the national average. XCEL Federal Credit Union publishes rates for 6 loan products. Rates last updated July 26, 2026.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 7.25% | 7.35% | 0.00 |
| 15-Year Fixed | 7.50% | 7.66% | 0.00 |
| 20-Year Fixed | 6.13% | 6.33% | 0.00 |
| FHA 30-Year | 6.00% | 6.69% | 0.00 |
| VA 30-Year | 6.25% | 6.41% | 0.00 |
| HomeReady 30-Year | 6.38% | 6.54% | 0.00 |
XCEL Federal Credit Union Eligibility
Anyone can join via Ocean Running Club ($15 individual) or Antique Automobile Club of America ($45 yearly). Also eligible: employees of 60+ companies including 16 Federal Government Departments, members of various national and local associations. Immediate family members qualify.
Openness: open
