Serving New York and New Jersey, Xcel Credit Union provides member-owned banking for members tied to select companies and organizations. Its services include everyday accounts, consumer lending, digital access, and financial support that helps members save, borrow, and manage money with a local institution rather than a large national bank.

With a member-first approach, Xcel Credit Union supports members tied to select companies and organizations throughout New York and New Jersey. The credit union offers a mix of checking, savings, auto loans, and digital banking services that help members manage money from branch, home, or mobile device. Its value comes from combining practical financial products with community-based service. When members shop through Fluz with an eligible credit or debit card, they can add cashback to everyday purchases while continuing to use their preferred credit union card.