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Make this your season of growth
Earn 1.25% APY* on a 19-month Share Certificate.
For a limited time, Xceed is offering a special 19-month share certificate at the very competitive rate of 1.25% APY.*
All it takes is a $500 minimum opening deposit—no maximum limit—and an Xceed checking account.
So plant a seed and watch it grow. Take advantage of this special rate today!
Log in to Xceed Online, click on "Account Opening" and apply online, stop by your local Xceed Financial Center, or call us toll-free at 800.XFCU.222 (800.932.8222).
*APY (Annual Percentage Yield) is current as of 5/11/12. You must have an active checking account to qualify. Personal accounts only. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Certificate may not be used as collateral and is not available as a retirement product. At maturity, the 19-month Certificate, including dividends, will automatically renew into an 18-month certificate account at the then current rate and terms, unless you instruct us otherwise in person or in writing before the end of the grace period. Rates, terms, and conditions subject to change at any time. This Certificate is a promotional product and may be discontinued at any time. Federally insured by NCUA.
Introducing uTransfer
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Pay the rent, the babysitter, or split check between friends — all with a few clicks of a mouse!
With uTransfer, you can send or receive money anywhere at any time. No need to hassle with carrying around checks or cash. All you need is an Xceed account and the other person's email address or mobile phone number.
Nothing could be simpler, or safer.
Xceed's uTransfer ensures that your personal information is kept private and secure — only you see your account information. And, unlike cash, you can keep track of your uTransfer transactions on Xceed Online, just like online bill pay.
Ready to get started? Log in to Xceed Online today and open an account in less than 10 minutes!
Click here for more details. |
Design Your Own Card!
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Your card, your choice!
Why not express your personal style every time you use your credit card? Design Your Own Card lets you upload a personal photo from your computer, or choose a favorite image from our extensive card catalog. Either way, you'll have a card that expresses your personal style.
Choose a photo of your friends, family, a pet, a hobby, a favorite sports team or a social cause that's dear to your heart. Then just point and click, and you're good to go.
For more details about DYOC click here, call 800.XFCU.222 (800.932.8222), or visit your local Xceed Financial Center.
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Xceed eStatement Sweepstakes!
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This promotion has now ended. Thank you for participating!
Congratulations to the following eStatement Sweeps winners!
Adam Petzold
Latoya O. Jones
Mark M. Studebaker
Wei Peng
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You hold the key to stop fraud!
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The power of CardLockTM
Xceed now offers CardLock – a free, new innovative service that provides an added level of control and security to protect against credit card fraud.
You lock your home and car for safety and security; now you can do the same with your credit cards. Use it from time to time or all the time–the choice is yours. Here are just a few examples of the many ways CardLock can fight against fraud:
- Lock your card between purchases to prevent fraudulent usage–next time you need to use the card, you can unlock it in less than 30 seconds.
- When traveling, be safe and lock the card when not in use.
- If you've made an online purchase with your card and feel nervous about Internet security, take a few moments to lock the card.
No matter how you choose to use CardLock, if anyone tries to make an unauthorized purchase while your card is locked, you'll be automatically notified by phone of the transaction attempt.
To learn more about our revolutionary CardLock service, please call 800.XFCU.222 (800.932.8222) or click here.
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Find yourself behind the wheel.
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Rates as low as 2.74% APR* on 48-month auto loans.
There’s nothing like your own wheels to make you feel in control. So seize this opportunity for low interest rates on new or refinanced auto loans.
You can even choose to defer payments for 90 days.** You’re the driver, so take charge today!
Don't miss out! To receive a great rate on your auto loan, click here to apply online, stop by your local Xceed Financial Center, or call us toll-free at 800.XFCU.222 (800.932.8222).
Click here for more information regarding an XFCU auto loan.
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*Annual Percentage Rate. The actual rate you receive will be based on your credit qualification, term, and loan amount, but not less than 2.74% APR for new and used auto loans. Automatic payment from your Xceed Financial Federal Credit Union (XFCU) checking account is required to receive the most competitive rate. Auto loans with automatic payment from a source other than an XFCU checking account will be 0.25% higher. Auto loans using an XFCU loan coupon booklet will be 0.35% higher. Xceed Financial Credit Union loan limits, collateral requirements, and underwriting guidelines will be followed. Ask an associate for complete details. Rates are effective as of 2/9/2012 and are subject to change at any time. Existing Xceed Financial Credit Union auto loans are not eligible for refinancing. Not all vehicle makes and models will qualify. Other terms and conditions apply. Xceed Financial Credit Union is an equal opportunity lender.
**Interest will accrue on your auto loan during the 90-day deferral period.
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Liberate your cashflow.
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Take advantage of our low Balance Transfer offer.
1.99% promotional APR* on Platinum Visa® credit card balance transfers made between now and June 15, 2012. The promotional APR is valid for 9 months. After the promotional APR, you’ll still enjoy a low variable rate, currently 8.99%, 13.99%, or 14.99% APR.
Hurry! Offer ends June 15, 2012.**
To transfer a balance to your existing Xceed Visa® Platinum card, call 800.654.7728. To apply for a new Xceed credit card, click here, call 800.XFCU.222 (800.932.8222) or visit your local Financial Center; please have a paycheck stub available.
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*APR=Annual Percentage Rate. There is a fee of 3% of the amount of each balance transfer ($29 minimum, $100 maximum). Balance transfers may not be used to pay off or pay down any Xceed Financial Federal Credit Union (“Xceed”) account. Offer available to new or existing credit card loan. Other terms and conditions may apply and are subject to change at any time. Xceed is an equal opportunity lender.
**A new credit card application must be submitted by June 15, 2012, to meet the balance-transfer deadline of June 30, 2012. Xceed loan limits, requirements, and underwriting guidelines will be followed. Ask an associate for complete details. Card agreements and disclosures will be provided when you become a card member. If you opened an Xceed credit card account in October or November 2011, you are not eligible for this promotion.
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Xceed Financial Federal Credit Union has engaged the Accounting firm of Moss Adams LLP, to conduct its member account verification audit. In connection with such audit, the firm will send to selected members a verification letter with instructions to confirm certain account information as of August 31, 2011 and return the letter to them at the address of 601 West Riverside, Suite 1800, Spokane, WA 99201. If your account is selected for this confirmation process, please follow the instructions in the letter and help Xceed Financial Credit Union meet its auditing requirements, as mandated under the National Credit Union Administration Rules and Regulations.
NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a ‘‘noninterest-bearing transaction account’’ are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules. The term ‘‘noninterest-bearing transaction account’’ includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (‘‘NOW’’) account, money market deposit account, and Interest on Lawyers Trust Account (‘‘IOLTA’’), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.
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$3,445.24 raised so far in 2012!
Xceed Financial is proud to partner with the Children's Miracle Network in raising much-needed funds for 170 children's hospitals, nationwide.
If you see an associate wearing jeans on Fridays, they are doing so to support this worthy cause.
Ask an associate to tell you all about our fundraising efforts. |
Have you tried our new calculators?
We've just given our calculator page a serious facelift. If you like playing the "what if" game, you're going to love having more than 50 calcs at your fingertips. Here's just a quick sample:
What will it take to become a millionaire?
How much will my share certificate be worth at maturity?
How much can I contribute to my retirement plan each year?
How much can I borrow?
How much will my vehicle payments be?
And dozens more! Plus, you can have the calc results emailed directly to you. How handy is that?
Click here to access our full suite of calculators.
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Like Xceed Financial on Facebook!
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Find out what Numbers Guy is up to, see pictures from grand opening celebrations and other Xceed events, even receive updates from us about rate specials and other announcements.
And, while you're there, feel free to let us know what going on in your life by leaving a comment on our wall. Or, if you have a question about Xceed or would like to share a recent financial experience, we'd love to hear from you!
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.
Have you seen our home loan rates lately?
Check here for today's rates.
Whether you're a first-time homebuyer or looking to refinance, now's the time to let Xceed put together a loan that's more affordable than you thought possible. Oh, and the friendly, personal service is absolutely free of charge!
- 10- to 30-year Fixed-Rate Mortgage loans
- 1- to 10-year Adjustable-Rate Mortgage loans
- Free loan pre-qualification
- No-cost options to save you even more money
- Free home-buying resources
- First-time buyer education
- Even live online chat to answer all your Mortgage questions
For further information or to apply, please contact:
Russell Cerpa
Home Loan Consultant
800.XFCU.222, option 2
310.606.0590, weekends
rcerpa@xfcu.org
Rates, terms and conditions are subject to change. Rate is based on credit criteria. 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. All loans subject to credit approval. Equal opportunity lender.
