Today's rates from XCEL
| Product | Rate | APR | Points | As of | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.5% | — | 0 | Sep 11, 2026 | Visit | |
| 20 Year Fixed | 6.5% | — | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed | 6% | 6.262% | 0 | Sep 11, 2026 | Visit | |
| FHA 30 Year Fixed | 6.25% | 6.948% | 0 | Sep 11, 2026 | Visit | |
| VA 30 Year Fixed | 6.5% | — | 0 | Sep 11, 2026 | Visit | |
| 30 Year Fixed Jumbo | 7.25% | 7.351% | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed Jumbo | 7.625% | 7.788% | 0 | Sep 11, 2026 | Visit |
Rate history
Lowest daily rate XCEL advertised for each product, past 90 days.
Who can join XCEL
Membership is open to employees and members of a wide list of partner companies and organizations — including numerous federal agencies (US Dept. of Education, Energy, Justice, Homeland Security, FEMA, etc.), Jersey City municipal authorities, Iron Workers Locals 40/361/417, Port Authority of NY & NJ, and many auto/motorcycle clubs and local employers — plus their immediate family members.
Where XCEL writes mortgages
Lending states not published; shown as serving its chartered area. Confirm directly with XCEL.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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