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Xceed Financial Federal Credit Union


Overview / Commentary
www.xfcu.org
800-932-8222
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.

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

Related Posts

Xceed Financial Credit Union Adds Xclusive Money Market, 2.00% APY - 12/6/2019

Xceed Financial Credit Union (easy membership) has added an Exclusive Money Market that earns 2.00% APY on balances between $50-$500k. APY guaranteed through 6/30/2020.

Xceed Financial Credit Union Offering 2.0% Money Market, Rate Guaranteed Through June 30 - 12/3/2019

Xceed Financial Credit Union, an easy membership CU based in El Segundo, CA, and in locations around the country, is offering its Xclusive Money Market account at 2.0% APY for balances over $50,000. This offer runs until Dec. 31, and the rate is guaranteed until June 30, 2020. This offer is for new money. As a money market account, your money is liquid, so you can withdraw or deposit at any time. Anyone can join by first joining one of a five different groups, for as little as $10, or $5 if a senior age 60 or over, to join Friends of the Webster Public Library. If balance is less than $50,000, your interest rate is lower. Opening deposit must be at least $25,000.

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Reviews (16)

Thank You For Your Feedback!

Posted by: |

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

6

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.

10

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

11

Best banking website I have ever seen

Posted by: |

This was my first experience with a credit union. Right off the bat they were better than most banks I have dealt with. While they don't have a branch that is local to me, the application process was easy peasy. Print the application from the website and send them a $5 deposit. The website stays updated to the best security features and has been consistently intuitive. The website helps you to see where your money is being spent so you can budget better. This feature helped me to get my credit back on track. They have the absolute best customer services reps that I have ever experienced. Everyone is very pleasant and will to help. If the rep doesn't have an answer to your question, they will call you back with an answer within 48 hours, but my experience has been same day. You can open additional savings account to save for Christmas, vacations, etc. They have bill payment services, however I don't use this feature. You can also transfer fund to an external banking account free of charge. So much better than driving around to atms or waiting in line to make withdrawals and then deposits. I have been banking with them since 1999.

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Health
B+

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #20068
Year Chartered1964
Employees185
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD3.54%
Annual Interest Income$26.2MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$886.5MM$904.9MM
LoansQ3 2019vs Q3 2018$699.8MM$759.5MM
DepositsQ3 2019vs Q3 2018$721.2MM$746.3MM
Equity CapitalQ3 2019vs Q3 2018$95.9MM$93.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$2.9MM$3.3MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$4.1MM$5.1MM
Real Estate OwnedQ3 2019vs Q3 2018$210.00K$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Xceed Financial Credit Union Offering 2.0% Money Market, Rate Guaranteed Through June 30

  |  
Xceed Financial Credit Union, an easy membership CU based in El Segundo, CA, and in locations around the country, is offering its Xclusive Money Market account at 2.0% APY for balances over $50,000. This offer runs until Dec. 31, and the rate is guaranteed until June 30, 2020. This offer is for new money.

As a money market account, your money is liquid, so you can withdraw or deposit at any time.

Anyone can join by first joining one of a five different groups, for as little as $10, or $5 if a senior age 60 or over, to join Friends of the Webster Public Library.

If balance is less than $50,000, your interest rate is lower. Opening deposit must be at least $25,000.
4

Rates
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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.

Xceed Financial Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Health Savings Account
0.25%--IRA Savings
0.05%$100-Business Savings
0.05%$1-Club Accounts
0.05%$50-Minor Savings
0.05%$100-Savings Account
0.05%$100-Access Accounts

Xceed Financial Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$250k*-Executive Money Market
OTHER TIERS: 0.25% → Up to $10k | 0.55% → $10k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k
0.80%*$100k*-Business Money Market
OTHER TIERS: 0.25% → Up to $15k | 0.35% → $15k - $50k | 0.50% → $50k - $100k
0.25%$1k-Prime Money Market

Xceed Financial Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Signature Checking

Xceed Financial Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$500-Business 24 Month CD
2.15%$500-60 Month CD
2.05%$500-48 Month CD
2.00%$500-36 Month CD
2.00%$500-Business 12 Month CD
1.90%$500-24 Month CD
1.70%$500-18 Month CD
1.60%$500-12 Month CD
1.25%$500-6 Month CD
1.25%$500-Business 6 Month CD
0.05%$500-Business 3 Month CD
0.01%$500-Business 1 Month CD

Xceed Financial Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.15%$500-60 Month IRA
2.05%$500-48 Month IRA
2.00%$500-36 Month IRA
1.90%$500-24 Month IRA
1.70%$500-18 Month IRA
1.60%$500-12 Month IRA
1.25%$500-6 Month IRA
Locations

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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.