1 star ratingAverage User Rating:
1 star rating based on 2 reviews.

Xceed Financial Credit Union

Xceed Financial Credit Union Locations
888 N. Nash Street
El Segundo, CA 90245
800.932.8222
www.xfcu.org

NCUA


Xceed Financial Credit Union is headquartered in El Segundo and is the 48th largest credit union in the state of California. It is also the 289th largest credit union in the nation. It was established in 1964 and as of December of 2012, it had grown to 206 employees and 57,793 members. Xceed Financial Credit Union's CD rates are 11% higher than the national average, and it boasts a 5-star health rating.

Xceed Financial Credit Union Routing Number: 322275490

Related Posts

Special 9-Month CD Rate at Xceed Financial Credit Union - Easy Membership - 11/21/2012

In today's interest rate environment, the vast majority of short-term CDs have rates under 1.00%. I found one exception at Xceed Financial Credit Union which has a special 9-month share certificate wi ...

Special 19-Month CD Rate at Xceed Financial Credit Union - Easy Membership - 7/5/2012

Xceed Financial Credit Union has a special 19-month share certificate with a 1.25% APY. Minimum deposit is $500. An active checking account is required. This special CD rate is listed on the credit un ...

Competitive 5-Year CD Rate at Xceed Financial Credit Union - Easy Membership - 6/23/2011

Xceed Financial Credit Union has a limited time special on its 5-year CD and IRA CD with a 2.50% APY. Minimum deposit is $500. This rate is listed on the credit union's rates page as of 6/23/2011. I c ...

3.00% 12-Month CD at Xceed Financial Credit Union in California - Local Only - 9/24/2009

Xceed Federal Credit Union is having a 2-day new-branch promotion at its El Segundo office located at 460 N Sepulveda Blvd, Suite C. For only this Friday and Saturday (9/25/09 and 9/26/09), this branch is offering a 3.00% APY 12-month CD. A checking...

2008




See Rates for: Checking | Savings | Money Market | CD | IRA

Xceed Financial Credit Union Checking Account Rates

ApyMinMaxProduct
0.20%$100k-SeekMore Checking Account

Xceed Financial Credit Union Savings Account Rates

ApyMinMaxProduct
0.50%--Health Savings Account
0.25%--CESA Savings
0.25%--IRA Savings
0.25%--Roth IRA Savings
0.05%$100-Business Savings
0.05%$100-Club Accounts
0.05%--Minor Savings
0.05%$100-Savings Account

Xceed Financial Credit Union Money Market Rates

ApyMinMaxProduct
0.45%$100k-Business Money Market
0.45%$100k-Executive Money Market
0.10%$1k-Prime Money Market

Xceed Financial Credit Union CD Rates

ApyMinMaxProduct
1.40%$500-60 Month CD
1.20%$500-48 Month CD
1.00%$500-12 Month Business CD
1.00%$500-36 Month CD
0.65%$500-24 Month Business CD
0.65%$500-18 Month CD
0.60%$500-24 Month CD
0.60%$100k-12 Month Jumbo CD
0.50%$500-12 Month CD
0.10%$500-1 Month Business CD
0.10%$500-3 Month Business CD
0.10%$500-6 Month Business CD
0.10%$500-6 Month CD
0.10%$50k-30 Day Jumbo CD
0.10%$50k-90 Day Jumbo CD
0.10%$50k-180 Day Jumbo CD

Xceed Financial Credit Union IRA Rates

ApyMinMaxProduct
1.40%$500-60 Month IRA
1.40%$500-60 Month Roth IRA
1.40%$500-60 Month CESA
1.20%$500-48 Month IRA
1.20%$500-48 Month Roth IRA
1.20%$500-48 Month CESA
1.00%$500-36 Month IRA
1.00%$500-36 Month Roth IRA
1.00%$500-36 Month CESA
0.65%$500-18 Month IRA
0.65%$500-18 Month Roth IRA
0.65%$500-18 Month CESA
0.60%$100k-12 Month Jumbo IRA
0.60%$500-24 Month IRA
0.60%$100k-12 Month Jumbo Roth IRA
0.60%$500-24 Month Roth IRA
0.60%$100k-12 Month Jumbo CESA
0.60%$500-24 Month CESA
0.50%$500-12 Month IRA
0.50%$500-12 Month Roth IRA
0.50%$500-12 Month CESA
0.10%$50k-30 Day Jumbo IRA
0.10%$50k-90 Day Jumbo IRA
0.10%$50k-180 Day Jumbo IRA
0.10%$500-6 Month IRA
0.10%$50k-30 Day Jumbo Roth IRA
0.10%$50k-90 Day Jumbo Roth IRA
0.10%$50k-180 Day Jumbo Roth IRA
0.10%$500-6 Month Roth IRA
0.10%$50k-30 Day Jumbo CESA
0.10%$50k-90 Day Jumbo CESA
0.10%$50k-180 Day Jumbo CESA
0.10%$500-6 Month CESA

Rates updated: 5/18/2013

Data for Q4 2012


Institution Statistics


XCEED FINANCIAL
NCUA #20068
BankRate ReportView
Year Chartered1964
Employees206
Primary Regulator

Assets and Liabilities

Assets$741.35 million
Loans$628.57 million
Deposits$605.12 million
Equity Capital$70.99 million
Loan Loss Allowance$5.66 million
Unbacked Noncurrent Loans$4.71 million
Real Estate Owned$865,000

Historic Data - December 2011

Assets$756.15 million
Equity Capital$68.92 million
Loan Loss Allowance$7.74 million
Unbacked Noncurrent Loans$3.60 million

Profit Margin - Quarterly

Net Interest Margin4.27%
Return on Assets0.31%
Return on Equity3.23%
Interest Income$31.28 million
Non-Interest Income$9.03 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 Xceed Financial Credit Union had $5.58 million in non-current loans and owned real-estate with $76.66 million in equity and loan loss allowances on hand to cover it. This gives Xceed Financial Credit Union a Texas Ratio of 7.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Xceed Financial Credit Union held steady from 4.70% as of December 31, 2011 to 7.28% as of December 31, 2012, resulting in a negative change of 54.90%. This indicates that the balance sheet and financial strength for Xceed Financial Credit Union has held steady in recent periods.
Deposit Growth3
In the past year, Xceed Financial Credit Union has decreased its total deposits by -$2.92 million, resulting in -0.48% 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 average.
Capitalization4
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 $741.35 million in assets with $76.66 million in equity, resulting in a capitalization level of 10.34%, which is above average.
Write Review

This Used To Be A Great CU Before They Changed Systems
1 stars - lbergsnev - Saturday, September 17, 2011 - 7:13 AM

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...

5

Not An Open Credit Union.
1 stars - ShondaJohnson - Tuesday, March 12, 2013 - 1:56 PM

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.

2