Xceed Financial Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 3.00% | 5-year CD | 2.27% - National Average |
| 3.00% | 5-year IRA | 2.28% - National Average |
| 2.00% | 1-year CD | 1.38% - National Average |
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
1/9 - Xceed Financial CU Adds Nationally Available 30-Month CD
7/5/12 - Special 19-Month CD Rate at Xceed Financial Credit Union - Easy Membership
6/23/11 - Competitive 5-Year CD Rate at Xceed Financial Credit Union - Easy Membership
9/24/09 - 3.00% 12-Month CD at Xceed Financial Credit Union in California - Local Only
5/7/08 - 5.00% 5-Month CD at a Multi-State CU - $25K Max / Easy Membership (Xerox).
5/7/08 - 5% 5-Month CD ($25K Max) and $50 Money Market Account Bonus at Xceed Financial Credit Union.
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
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
Best banking website I have ever seen
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 20068 |
| Year Chartered | 1964 |
| Employees | 181 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.28% |
| Return on Equity - YTD | 2.68% |
| Annual Interest Income | $33.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $890.6MM$917.3MM |
| Loans | Q4 2018vs Q4 2017 | $756.4MM$765.7MM |
| Deposits | Q4 2018vs Q4 2017 | $727.3MM$766.6MM |
| Equity Capital | Q4 2018vs Q4 2017 | $93.7MM$91.4MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $3.3MM$4.5MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $6.0MM$6.7MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $77.00K$217.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | - | - | Health Savings Account | |
| 0.25% | - | - | IRA Savings | |
| 0.05% | $1 | - | Club Accounts | |
| 0.05% | $50 | - | Minor Savings | |
| 0.05% | $100 | - | Savings Account |
Xceed Financial Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.25%* | $250k* | - | Executive Money Market | ||
| OTHER TIERS: 0.55% → $10k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $250k | |||||
| 0.25% | $1k | - | Prime Money Market | ||
Xceed Financial Federal Credit Union Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.25% | - | - | Signature Checking |
Xceed Financial Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $500 | - | 60 Month CD | |
| 2.90% | $500 | - | 48 Month CD | |
| 2.75% | $500 | - | 36 Month CD | |
| 2.50% | $500 | - | 24 Month CD | |
| 2.25% | $500 | - | 18 Month CD | |
| 2.00% | $500 | - | 12 Month CD | |
| 1.25% | $500 | - | 6 Month CD |
Xceed Financial Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 3.00% | $500 | - | 60 Month IRA | |
| 2.90% | $500 | - | 48 Month IRA | |
| 2.75% | $500 | - | 36 Month IRA | |
| 2.50% | $500 | - | 24 Month IRA | |
| 2.25% | $500 | - | 18 Month IRA | |
| 2.00% | $500 | - | 12 Month IRA | |
| 1.25% | $500 | - | 6 Month IRA |
