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XFCU Rates

Jump to Loan Products

Share and Checking Dividend Rates

       
Certificates
Minimum To Open
Minimum Balance to Earn APY*
Dividend Rate
APY*
6 Month
$500
n/a
0.10%
0.10%
12 Month
$500
n/a
0.60%
0.60%
15 Month
$500
n/a
0.55%
0.55%
18 Month
$500
n/a
0.65%
0.65%
24 Month
$500
n/a
0.75%
0.75%
36 Month
$500
n/a
1.00%
1.00%
48 Month
$500
n/a
1.19%
1.20%
60 Month
$500
n/a
1.39%
1.40%
30 Day Jumbo
$50,000
n/a
0.10%
0.10%
90 Day Jumbo
$50,000
n/a
0.10%
0.10%
180 Day Jumbo
$50,000
n/a
0.10%
0.10%
12 Month Jumbo
$100,000
n/a
0.60%
0.60%
Click Here for IRA Certificate rates    
Penalty for early withdrawal.    
Money Market
Minimum To Open
Minimum Balance to Earn APY*
Dividend Rate
APY*
Prime Money Market
$1,000
$1,000
0.10%
0.10%
Capital Money Market
$15,000
$15,000
0.10%
0.10%
Executive Money Market
$50,000
$0-49,999.99
0.25%
0.25%
 
$50,000-99,999.99
0.60%
0.60%
 
$100,000 and over
0.60%
0.60%
Jumbo Money Market
No longer available as a new product
Click Here for rates for existing Jumbo Money Markets		    
Money market rates may change after the account is opened.    
Savings/Checking
Minimum To Open
Minimum Balance to Earn APY*
Dividend Rate
APY*
Savings and Club Accounts
$5
$100
0.05%
0.05%
Minor Savings
$5
$50
0.05%
0.05%
SeekMore Checking
$0
Specific requirements apply, refer to Truth-In-Savings Disclosure
  
 
$0-49,999.99
0.15%
0.15%
 
$50,000-99,999.99
0.35%
0.35%
 
$100,000 and over
0.50%
0.50%
Basic Checking
$100 ($0 with direct deposit)
Non-Dividend Bearing
0.00%
0.00%
Health Savings Accounts
$0
$0.00
0.50%
0.50%
IRA Savings Account
$0
$0-99.99
0.25%
0.25%
 
$100-24,999.99
0.25%
0.25%
 
$25,000-49,999.99
0.25%
0.25%
 
$50,000-99,999.99
0.25%
0.25%
 
$100,000 and over
0.25%
0.25%
Checking Plus
No longer available as a new product
Click Here for rates for existing Checking Plus accounts		    
Platinum Checking
No longer available as a new product
Click Here for rates for existing Platinum Checking accounts		    
Savings/Checking rates may change after account is opened.    

Rates as of Wednesday, October 5, 2011.
*APY = Annual Percentage Yield. NOTICE: Dividends for all accounts listed above are based on the Credit Unions earnings at the end of a dividend period and thus cannot be guaranteed. Fees incurred may reduce earnings on any of these accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Dividend Yields are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

Loan Products

Mortgage

Term
Rate (APR)
Payment Example
Terms vary
Payments vary

Mortgage eligibility is based on the value of your home and underwriting criteria.

Home Equity Line of Credit (not available in Texas)

Term
Rate (APR)
Payment Example
Variable, up to 15 years from date of last advance*
3.49% to 6.60%
180 monthly payments of $7.14 to $8.77 per $1,000 borrowed

* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.

You must pay certain fees to third parties to open the plan. These fees generally total between $200.00 and $750.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. A minimum initial advance of at least $15,000 is required in order to have third party fees waived. Lines of Credit opened with a balance of less than $15,000 pay closing costs. A $75 Inactivity Fee will be assessed each subsequent anniversary year in which you do not maintain an outstanding principal balance during any portion of 2 consecutive billing cycles. If you close your Line of Credit within 24 months you are subject to pay the lesser of your actual closing costs or $250.

Home Equity Loan ($5,000 to $200,000)

Term
Rate (APR)
Payment Example
Fixed, up to 20 years
6.39% to 8.69%
180 monthly payments of $8.65 to $9.96 per $1,000 borrowed

You must pay certain fees to third parties to open the plan. These fees generally total between $200.00 and $750.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. A minimum initial loan balance of at least $15,000 is required in order to have third party fees waived. Loans opened with a balance of less than $15,000 pay closing costs.

Xceed Visa® Platinum Card (with CURewards™)

Term
Rate (APR)
Payment Example
Variable*
as low as 13.99%
n/a

* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.

Xceed Visa® Platinum Card (without CURewards™)

Term
Rate (APR)
Payment Example
Variable*
8.99%
n/a

* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.

Auto (new and used)

Term
Rate (APR)
Payment Example
Fixed, up to 7 years
2.99% to 12.59%
60 monthly payments of $17.96 to $22.54 per $1,000 borrowed

Boat (new and used)

Term
Rate (APR)
Payment Example
Fixed, up to 10 years
7.14% to 15.39%
84 monthly payments of $15.16 to $19.52 per $1,000 borrowed

RV (new and used)

Term
Rate (APR)
Payment Example
Fixed, up to 15 years
7.34% to 14.34%
84 monthly payments of $15.26 to $18.93 per $1,000 borrowed

Motorcycle (new and used)

Term
Rate (APR)
Payment Example
Variable, up to 4 years*
8.29% to 15.04%
48 monthly payments of $24.55 to $27.85 per $1,000 borrowed

* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%. Rate may be increased after consummation.

Consolidation Loan

Term
Rate (APR)
Payment Example
Fixed, up to 7 years

8.99% to 15.99%
84 monthly payments of $16.08 to $19.86 per $1,000 borrowed

MemberFirst ($100 to $50,000)

Term
Rate (APR)
Payment Example
Fixed, up to 5 years
10.99% to 12.99%
60 monthly payments of $21.74 to $22.75 per $1,000 borrowed

PowerLine of Credit (up to $50,000)

Term
Rate (APR)
Payment Example
Variable, up to 5 years*
9.50% to 17.50%
60 monthly payments of $21.00 to $25.12 per $1,000 borrowed

* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.

Stocks/Bonds

Term
Rate (APR)
Payment Example
Variable, up to 4 years*
8.85% to 15.35%
n/a
Fixed, up to 4 years
12.85% to 18.00%
n/a

* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.

Savings Secured

Term
Rate (APR)
Payment Example
Variable*
Dividend Rate + 3%
n/a

* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.

Certificate Secured

Term
Rate (APR)
Payment Example
Variable*
Certificate Rate + 3%
n/a

* Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable Annual Percentage Rate is 18%.

Loan rates as of November 23, 2011 and subject to change.
APR=Annual Percentage Rate

Apply for a loan online, or call 800.XFCU.222 to get approved right over the phone. It's that easy.