Xceed Financial Federal Credit Union

Deposits held and insured by Kinecta Federal Credit Union

Overview / Commentary
888 N Nash St
El Segundo, CA 90245

From the Bank

Xceed Financial is a full-service financial institution, but first and foremost, we’re a credit union. That means a couple of things. One, we’re member-owned and operated – which gives members a personal say in how we do what we do. Two, we’re not-for-profit. So the revenue we do earn goes back to our members – A.K.A. you – in the form of lower rates on loans and fewer fees.

That can make a huge difference when you’re looking to buy a home or a car. Our competitive rates, combined with a comprehensive range of loan products, help to bring your financial dreams within reach. Plus, our associates are financial experts who are passionate about delivering personal service and savvy advice to help our members achieve their financial goals.

With roots going back 85 years, Xceed Financial has nearly $1 billion in assets under management and a four-star, excellent rating from BauerFinancial. We’re based in El Segundo, California and serve more than 60,000 members nationwide through Financial Centers in multiple states, an 80,000-location ATM network, and industry-leading online and mobile banking platforms.

Deposits with Xceed Financial are federally insured by the NCUA. Equal Housing Lending.

Deposits held and insured by Kinecta Federal Credit Union

Field of Membership Restrictions

Membership in Xceed Financial Federal Credit Union is open to anyone through the Friends of the Webster Public Library ($10 fee), Heal the Bay ($25 membership fee), Buffalo Zoo ($45 fee), or Seneca Park Zoo ($55 fee). Employees and retirees of Xerox and its subsidiaries, OfficeMax, and nearly 400 other SEGs qualify to join. Membership is also open to residents of Carrollton, Dallas, Farmers Branch, Irving, and Lewisville, Texas; Greater Rochester, New York; Rosemont, Illinois; San Jose, California; and St. Petersburg, Florida.
See current membership details

Best CD Rate. 17 Mo 1.50%

Posted by: |

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

Posted by: |

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

System Down Card Won't Work

Why is your system down and customers unable to access money or balances? No one to call on the weekend either !! This is horrible !

Thank You For Your Feedback!

Thank you all for sharing your honest feedback. Learning from our mistakes is how we improve and better serve our members. At Xceed, we always strive to provide outstanding member service and convenient account access, and we regret whenever we fall short. We are sorry to hear that some of you had a bad experience, and hope you will give us a chance to serve you better in the future.

- Xceed Financial Credit Union



Data as of Q2 2021

Data displayed below is for insuring bank: Kinecta Federal Credit Union
Learn why bank health matters

Health Grade Components

NCUA #4142
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD9.44%
Annual Interest Income$80.7MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$6.39B$5.06B
LoansQ2 2021vs Q2 2020$3.89B$3.91B
DepositsQ2 2021vs Q2 2020$5.81B$4.62B
Equity CapitalQ2 2021vs Q2 2020$524.9MM$401.6MM
Loan Loss AllowanceQ2 2021vs Q2 2020$36.5MM$33.6MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$9.8MM$11.2MM
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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Always verify rates and promotions with the bank or credit union. We are not Xceed Financial Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Xceed Financial Federal Credit Union Savings Account Rates

0.10%--Health Savings Account
0.10%--IRA Savings
0.05%$100-Business Savings
0.05%$50-Minor Savings
0.05%$100-Savings Account
0.05%$100-Access Accounts

Xceed Financial Federal Credit Union Money Market Rates

0.50%*$100k*-Business Money Market
OTHER TIERS: 0.15% Up to $1k | 0.20% $1k - $15k | 0.25% $15k - $50k | 0.40% $50k - $100k
0.50%*-$50kExecutive Money Market
OTHER TIERS: 0.15% $250k+ | 0.25% $100k - $250k | 0.40% $50k - $100k
0.15%$1k-Prime Money Market

Xceed Financial Federal Credit Union Checking Account Rates

0.25%*$50k*-Signature Checking
OTHER TIERS: 0.10% Up to $50k

Xceed Financial Federal Credit Union CD Rates

1.00%$500-60 Month CD
0.85%$500-48 Month CD
0.80%$500-36 Month CD
0.70%$500-24 Month CD
0.70%$500-Business 24 Month CD
0.50%$500-12 Month CD
0.50%$500-Business 12 Month CD
0.35%$500-6 Month CD
0.35%$500-Business 6 Month CD

Xceed Financial Federal Credit Union IRA Rates

1.00%$500-60 Month IRA
0.85%$500-48 Month IRA
0.80%$500-36 Month IRA
0.70%$500-24 Month IRA
0.50%$500-12 Month IRA
0.35%$500-6 Month IRA


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.