With the right advantage, you're free to do so much!
As a member of Xceed Financial Credit Union, you’re automatically enrolled in our Relationship Advantage program. No forms. No dues. Just extra benefits.
We use your entire household balance (now including Xceed Visa® Platinum credit card balances!) to ensure you’re earning the highest level possible, and we update your status monthly. Plus, members who have been with Xceed Financial Credit Union for 20 years or more are automatically enrolled in the Loyalty Advantage program.
Premier Advantage
$75,000 combined loans and core savings;* checking account
- Premier loan approval1
- Get our best loan rate available
- Additional 0.10% APY on any new share certificate2
- Free Platinum Checking account (no longer available as a new product)
- Free Platinum Check Card with Rewards
- Free checking account
- Free Xceed Online Banking & Bill Payer
- Free Xceed On-Call phone banking
- Free Foreign ATM transactions3
- Free shared branch transactions3
- Free personalized checks (Two boxes per year. Please place your free check order
at your Financial Center or through the Contact Center.)
- Rebate ATM surcharge up to $10 per month
- $75 annual home equity line fee waived
- Free Balance™ budget & debt counseling
- Free travelers cheques
- Free notary service
- Free cashiers checks
- Free overdrafts4
- Exclusive discounts & specials
Loyalty Advantage
20+ years of uninterrupted membership
- Additional 0.10% APY on any new share certificate2
- Free Platinum Checking account (no longer available as a new product)
- Free Platinum Check Card with Rewards
- Free checking account
- Free Xceed Online Banking & Bill Payer
- Free Xceed On-Call phone banking
- Free Foreign ATM transactions3
- Free shared branch transactions3
- Free personalized checks (Two boxes per year. Please place your free check order
at your Financial Center or through the Contact Center.)
- $75 annual home equity line fee waived
- Free Balance™ budget & debt counseling
- Free travelers cheques
- Free notary service
- Free cashiers checks
- Exclusive discounts & specials
Preferred Advantage
$30,000 combined loans and core savings;* checking account
- Additional 0.05% APY on any new share certificate2
- Free checking account
- Free Xceed Online Banking & Bill Payer
- Free Xceed On-Call phone banking
- Free Foreign ATM transactions3
- Free shared branch transactions3
- Free standard checks (One box per year. Please place your free check order
at your Financial Center or through the Contact Center.)
- $75 annual home equity line fee waived
- Free Balance™ budget & debt counseling
- Free travelers cheques
- Free notary service
- Free overdrafts4
- Exclusive discounts & specials
Membership Advantage
$2,500 combined loans and core savings;* checking account
- Free checking account
- Free Xceed Online Banking & Bill Payer
- Free Xceed On-Call phone banking
- Free Foreign ATM transactions3
- Free shared branch transactions3
- Free Balance™ budget & debt counseling
- Free travelers cheques
- Free notary service
Terms and conditions are effective as of October 1, 2009, and are subject to change at any time.
*Relationship Advantage benefits are based on entire household’s combined balances of loans, Visa® Platinum credit card balances, and core savings (checking, savings, money market accounts) excluding share certificates, and IRAs. Relationship Advantage eligibility is determined on a monthly basis at a time to be determined by the Credit Union. The Loyalty Advantage level is based on 20+ years of uninterrupted membership.
1Premier loan approval is applicable to consumer loans only. No application is required, but loan approval is subject to proof of income demonstrating the capacity to meet the new debt requirements. Xceed Financial loan limits, collateral requirements, and underwriting guidelines will be followed. Home equity loans are not available in all states. Some restrictions apply. Ask an associate for complete details. To qualify for Premier loan approval, member must: (a) have a checking account; (b) be in good standing at Xceed Financial; and (c) have, as an owner/joint owner and/or borrower/co-borrower, a $75,000 aggregate balance in core savings and/or loans that have been booked for at least six months. Premier loan approval does not apply to associated household members. 2Annual percentage yield does not apply to promotional certificate accounts. 3Premier and Loyalty members receive unlimited foreign ATM transactions and shared branch transactions; Preferred members receive ten free foreign ATM transactions and shared branch transactions; Membership level members receive five free foreign ATM transactions and shared branch transactions. 4Premier members receive three free automatic overdraft transfers per month; Preferred members receive two free automatic transfers per month.
