Today's rates from XCEL
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 6.625% | 6.788% | — | Nov 2, 2026 | Visit | |
| 20 Year Fixed | 6.5% | 6.712% | — | Nov 2, 2026 | Visit | |
| 15 Year Fixed | 6.125% | 6.387% | — | Nov 2, 2026 | Visit | |
| FHA 30 Year Fixed | 6.375% | 7.075% | — | Nov 2, 2026 | Visit | |
| VA 30 Year Fixed | 6.5% | 6.661% | — | Nov 2, 2026 | Visit | |
| 30 Year Fixed Jumbo | 7.5% | 7.602% | — | Nov 2, 2026 | Visit | |
| 15 Year Fixed Jumbo | 7.75% | 7.914% | — | Nov 2, 2026 | Visit |
Rate history
Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
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.
Employer
Achieve Test Prep, Alliance Community Healthcare, Antique Automobile Club of America, Audi Club of North America, Bloomfield College Faculty-Staff, Bloomfield College Student, Bordentown - Fire District 2, BMW Car Club of America – Delaware Valley Chapter, Chrill Care, City of Jersey City, Clifton Mill Community, Corvette Club Council…
Where XCEL writes mortgages
XCEL publishes mortgage lending in 1 state.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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