SYSTEM UPGRADE
On December 6, 2008 our network team will be performing system maintenance. This process will begin 5:00 p.m. Pacific Time, and should last for approximately 4 hours.
During this time:
- Xceed Online will be available to members but will not be able to process transfers
or show real-time balances
- XFCU ATMs will have a temporary withdrawal limit of $300
- Xceed On Call will not be available
We apologize for any inconvenience this may cause, and thank you very much for your patience.
Text "MYCOOP" to find a surcharge-free ATM near you.
The next time you're out, about, and short on cash, you can now use your cell phone to find any of 25,000+ surcharge-free CO-OP ATMs. Introducing MYCOOP, the latest ATM locator service for credit union members.
- Send a text from your cell phone to "MYCOOP" (692667). In the body of the text, enter the address (with city, state, and zip) or intersection (with city and state).
- In about 30 seconds, the service will reply with the nearest CO-OP network surcharge-free ATM.
- If you need to find additional ATM locations, simply reply "MORE" to the message and another listing of surcharge-free ATM locations will be sent to your cell phone.
This locator service is free but standard text messaging rates apply.
To find CO-OP ATM or Shared Branch locations while online, visit our online locator.
Fear not!
Our rate is coming to the rescue.
Earn 4.25% APY* with our 60-month Share Certificate special
Even during uncertain economic times, your money should be working hard for you. With our 60-month Share Certificate, you'll enjoy a very competitive dividend rate, the stability of a fixed-term account, and peace of mind knowing that your deposits are backed by the full faith and credit of the United States Government.
- Enjoy a great dividend rate of 4.25% APY
- Open with as little as $500; no maximum deposit
- Set up as a regular or IRA Share Certificate
Expect more from your money. Open your Xceed Share Certificate today!
* APY (Annual Percentage Yield) is as of 10/22/08 and subject to change. Personal accounts only. No promotional bonus rates or rate bumps allowed on this Share Certificate. $500 minimum balance to earn APY. No additional deposits accepted during Share Certificate term. Share Certificate may not be used as collateral. At maturity, the 60-month Share Certificate, including dividends, renews as a 60-month Share Certificate with a rate that is current as of the maturity date, unless notified otherwise.
It's time to get moving.
We thought you'd like to know that our home loan rates haven't been this low in years! However, there's no telling how long they'll stay this low. Whether you're a first-time home buyer, looking to refinance or move into your dream home, now's the time to let Xceed Financial lock in your low rate and put together a tailor-made loan that is more affordable than you thought possible. Oh, and by the way, the friendly, personal service is absolutely free.
- 10- to 40-year Fixed-Rate Mortgage loans
- 1- to 10-year Adjustable-Rate Mortgage loans
- Free loan pre-qualification
- No-cost options to save you thousands
- Free home-buying resources
- First-time buyer education
- Even live online chat to answer all your Mortgage questions
For further information, today's rates, or to apply, please contact:
Russell Cerpa
Home Loan Consultant
310.607.2067
rcerpa@xfcu.org
And now, higher conforming loan limits may save you even more money!
As part of the government’s economic stimulus package, regulations have temporarily increased the limit on conforming loans to help make it easier for those in high-priced housing markets to get more affordable mortgages or to refinance at lower rates.
Under the new rules, Xceed members who want to purchase a new home or refinance an existing loan in high-cost counties will be able to get government-sponsored conforming loans – up to $729,750 in more expensive areas – at lower rates with lower monthly payments. The new rules are in effect now through December 31, 2008.*
If you now have a jumbo mortgage loan at a higher rate, you may be able to refinance at a lower rate under the new rules. This is a limited-time opportunity, so to apply, get current rates or more information, please contact Home Loan Consultant Russell Cerpa direct at 310.607.2067.
* Maximum loan amounts vary by county. Some conforming loan limits have been raised from $417,000 to a cap of $729,750 in more expensive areas. Loans must be originated after July 1, 2008 and funded no later than December 31, 2008. Incentive applies to 1-unit primary residence and vacation homes. Rate is based on credit criteria. Interest rates on “special situation” programs may be higher. Property restrictions may apply; property insurance and comprehensive fire and hazard insurance is required. Flood insurance may be required. Mortgage insurance required on loan-to-values greater than 80%. The minimum loan-to-value is 75% to 90% on primary residences, depending on type of loan and the borrower’s FICO credit score, and 60% on second homes and investment properties. Limited time only. All loans subject to credit approval. Rates, terms and conditions subject to change without notice. Equal opportunity lender.
XFCU receives a four-star rating from BauerFinancial.
While ongoing news about financial turbulence continues to plague the banking industry, we are proud to report that BauerFinancial has awarded XFCU with a four stars, or "excellent" rating. This is a fantastic accomplishment for us, as BauerFinancial, Inc. has been a nationwide presence in the analysis and reporting of the banking industry's financial condition since 1983.
Federally-insured credit unions are required to file detailed financial reports with the National Credit Union Administration (NCUA) four times each year, and BauerFinancial subjects this quarterly data to an unbiased and independent analysis. Based on the results of this analysis, a star-rating is assigned on a scale of zero to five stars, with five stars indicating a "superior" rating. And, as BauerFinancial states, "no institution pays for its rating, nor can they elude it."
Of course, this rating would not be possible without the continued loyal support of our members. It is with your business that we are able to achieve and maintain such levels of financial strength - especially in these trying times. We thank you for your membership, and look forward to meeting your financial needs for years to come.
Hello Pittsford!
We're proud to join your community, and invite you to visit our newest Financial Center today.
Xceed Financial Credit Union
3330 Monroe Avenue
Pittsford, NY 14618
The next time you're in the area, we'd love the opportunity to meet you and hear what you think of our new location.
Welcome Rochester Federal Credit Union Members!
It's official! The members of Rochester FCU voted on June 30, 2008 to merge with Xceed Financial Credit Union!
Click here for the official press release.
Click here for the Welcome Guide to help answer any important questions or details about the merger.
If you have any questions about the merger, please don’t hesitate to call us toll free at 800.468.4437 or send us an email at contact@xfcu.org.
TIGER MEMBERS - View your VISA history online
To access the information, please log in with your previous Tiger signon
and password.
- Click
Here for VISA account balances and transactions
For help with Xceed Online Banking and our
automated telephone service, Xceed On-Call, please call us at 800.XFCU.222
(800.932.8222), email us at contact@xfcu.org,
or visit one of our local
Financial Centers.
Electronic Services Disclosure
Learn all you need to know about doing business with us electronically. It's all here.
Business Checking is FREE to our members
Find out why so many members have moved their business checking to XFCU!
