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888 N Nash St
El Segundo, CA 90245

Xceed Financial Credit Union is headquartered in EL SEGUNDO and is the 45th largest credit union in the state of California. It is also the 276th largest credit union in the nation. It was established in 1964 and as of December of 2013, it had grown to 212 employees and 65,269 members. Xceed Financial Credit Union has a A+ health rating.

Field of Membership Restrictions

Membership is open to members of several organizations. One is the Friends of the Webster Public Library which anyone can join for a $8 fee. You can also be eligible to join the credit union without joining an association if you live, work, worship or attend school in various communities around the nation. Please check their eligibility page for full details. - See Details

Related Posts

Special CD and IRA CD Rates at Xceed Financial Credit Union - Easy Membership - 1/28/2014

Xceed Financial Credit Union just came out with a new CD special. It has a 1.50% APY and a 17-month term. Minimum deposit is $500. This special isn’t available in an IRA, but there is a special 14-mon ...

Special 7-Month CD Rate at Xceed Financial Credit Union - Easy Membership - 11/1/2013

In today's interest rate environment, most all short-term CDs have rates under 1%. I found one exception at Xceed Financial Credit Union which has a special 7-month share certificate with a 1.00% APY. ...

Reviews (7)

This Used To Be A Great CU Before They Changed Systems

XFCU announced that they were changing their 'bill pay' ... what they didn't say was they were going to change the check register and categorizion, etc.  Now all the info I input for the last 8.5 months is altered.  Payee info is gone, memos are gone and my categories are either blank or inappropriate...

Best CD Rate. 17 Mo 1.50%

I have been very pleased with service. I opened the 17mo 1.50% CD. I filled out an online application over the weekend and a Rep called me Monday to complete the process. I had to mail a copy of my DL with the signed Membership Application. I sent a check for the CD and $5.00 to open the Savings Account.The process was easy and within a few days the account has been activated.
This CD rate is better than anything available now.

Could be a "Great Credit" Union

This is a good credit union.I have been a member for over 25 years.They could be a "GREAT" credit Union.The seriously lack customer service.For instance if you had a question about your account and called their main office,if the person you spoke to could not answer your question satisfactory and they said that they would have to call you back, Don`t hold your breath.After a while you get the feeling that "nobody cares".
On another subject,Their website security is top notch.But you have to run gauntlet after gauntlet of security passwords,different ones for different accounts within your account .It`s such a nightmare you don`t want to visit the site very often.
If they could straighten this as well as their Customer Service they could be a "GREAT" Credit Union

Not An Open Credit Union.

I checked this credit union out because it is in my area but it says only to xerox employees and other companies that are approved. I would not be able to open an account with them.

Do You Really Need Your Money?

I told the branch manager I was going overseas. I was unable to get any of my money through their system. Go put your money in a bank if you need it when on vacation.

Handled HSA Reporting Incorrectly

Thanks, Xceed, you reported my HSA disbursements as though you'd handed me the cash, instead of paying doctors, dentists and pharmacies... So the IRS wants $2500 more.

Very Rude.

Very obnoxious.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Xceed Financial Credit Union had $4.38 million in non-current loans and owned real-estate with $81.64 million in equity and loan loss allowances on hand to cover it. This gives Xceed Financial Credit Union a Texas Ratio of 5.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Xceed Financial Credit Union decreased slightly from 7.28% as of December 31, 2012 to 5.37% as of December 31, 2013, resulting in a positive change of 26.18%.This indicates that the balance sheet and financial strength for Xceed Financial Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Xceed Financial Credit Union has increased its total deposits by $58.89 million, resulting in 9.73% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Xceed Financial Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Xceed Financial Credit Union has $806.99 million in assets with $81.64 million in equity, resulting in a capitalization level of 10.12%, which is above average.

Institution Statistics

NCUA #20068
Year Chartered1964
Primary Regulator
Assets and Liabilities
Assets$806.99 million
Loans$690.11 million
Deposits$664.01 million
Equity Capital$78.45 million
Loan Loss Allowance$3.19 million
Unbacked Noncurrent Loans$3.37 million
Real Estate Owned$1.02 million
Historic Data - December 2012
Assets$741.35 million
Equity Capital$70.99 million
Loan Loss Allowance$5.66 million
Unbacked Noncurrent Loans$3.37 million
Real Estate Owned$865,000
Profit Margin - Quarterly
Net Interest Margin3.7%
Return on Assets0.16%
Return on Equity1.68%
Interest Income$29.88 million

Sorry, we do not have rate data for Xceed Financial Credit Union


Xceed Financial Credit Union has 16 locations. Click to view all Xceed Financial Credit Union locations.