be in the know
We think you deserve the VIP treatment. Request your very own Personal Banker today.
Make this your season of growth.
For a limited time, Xceed is offering a special 19-month share or IRA share certificate at the very competitive yield of 1.25% APY*. All it takes is a $500 minimum opening deposit**!
So plant a seed and watch it grow. Take advantage of this promotion today!
To open your share certificate, stop by your local Xceed Financial Center, or call us toll-free at 800.XFCU.222 (800.932.8222).
*APY (Annual Percentage Yield) is current as of 11/6/13. Personal accounts only. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Certificate may not be used as collateral and is not available as a business product. At maturity, the 19-month Certificate, including dividends, will automatically renew into an 18-month certificate account at the then current rate and terms, unless you instruct us otherwise in person or in writing before the end of the grace period. Rates, terms, and conditions subject to change at any time. This Certificate is a promotional product and may be discontinued at any time. Ask an associate for details.
**Source of funds on deposit(s) may not be from an existing Xceed Financial Federal Credit Union account.
Take the road to a low rate.
Rates as low as 1.74% APR*.
There’s a journey with your name on it, and a car to get you there. Qualify for a low interest rate on a new auto loan from Xceed Financial, and you’ll be ready to go for less. Or take to the road with easier-to-handle monthly payments by refinancing an existing loan from another lender. You can even choose to defer payments for 90 days.**
Don’t miss out! To see if you qualify for a competitive rate on an auto loan, click here to apply online, stop by your Xceed Financial Center, or call us toll-free at 800.XFCU.222 (800.932.8222).
Click here for more information regarding Xceed Financial auto loans.
Need some one-on-one assistance with the auto loan application process? Click here to schedule a phone call with one of our associates.
*APR (Annual Percentage Rate). Actual rates are based on credit history, term, and loan amount, but may not be lower than 1.74% APR for new and used auto loans. The 1.74% APR reflects a rate reduction of .35% off the standard rate for automatic payment from an Xceed Financial checking account. Auto loans with automatic payments from a source other than an Xceed Financial checking account have a rate reduction of .25% off the standard rate. Programs, rates, terms and conditions are effective as of 11/12/2013 and are subject to change at any time without notice. Existing Xceed Financial auto loans are not eligible for refinancing. Not all vehicle makes and models will qualify. Other terms, conditions and restrictions apply. Xceed Financial Federal Credit Union (“Xceed Financial”) is an equal opportunity lender. Ask an associate for complete details.
**You may choose to defer payments on your new auto loan for the first 90 days of the account’s opening. Interest will continue to accrue during the months of the deferment and may result in higher total finance charges on your loan.
Start saving now – it’s good for your health.
A health savings account (HSA) is a savings product that offers a tax-advantaged way to save for future medical expenses.** Xceed Financial’s HSA is easily accessible through a special Visa® Check Card or by transferring funds through Xceed’s Online Banking service.
Contributions are tax-deductible, and earnings are tax-free when used for qualified medical expenses.**
Here’s a quick rundown of Xceed’s 2014 HSA guidelines:
- A high-deductible health plan with minimum deductible of $1,250 for individuals and $2,500 for families is available
- Out-of-pocket expenses cannot exceed $6,350 for individuals and $12,700 for families
- Individuals with self-only coverage can make annual contributions up to $3,300, and families can contribute up to $6,550
- Individuals 55 and older can make “catch up” contributions of up to $1,000 annually
Don’t delay – take control of your future health and open an HSA today! To get started, call us toll-free at 800.XFCU.222 (800.932.8222), or stop by your local Xceed Financial Center.
*Some restrictions apply, including but not limited to: “HSA owner” must be covered by high-deductible health plan; cannot participate in flexible spending account, cannot be claimed as a dependent on someone else’s tax return, cannot be enrolled in Medicare, and cannot engage in “prohibited transactions” (e.g., sell, pledge, borrow, cause the account to be negative, etc.). Engaging in “prohibited transactions” may cause the account to no longer qualify for the Health Savings Account tax benefit for the year. Deductibles, out-of-pocket expenses, and contribution limits are subject to change annually. Please ask an associate for full details and disclosure.
**Not intended as tax advice. Please consult your tax advisor.
Swipe your way to the Super Bowl!
Cardholders who make purchases with their Visa card between September 5 and December 29, 2013 will be automatically entered for a chance to win the Visa Super Bowl XLVIII Sweepstakes. The more they use their Visa card, the more chances they’ll have to win.*
One Grand Prize winner will receive:
- A trip for two (2) to Super Bowl XLVIII in New York/New Jersey.
- 5-day/4-night hotel accommodations in New York City.
- A VIP experience in New York City, with your own personal tour guide, a dining experience at a premiere NYC restaurant, and a $1,000 Visa gift card.
- A visit with an NFL player and access to select NFL events!
*NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA SUPER BOWL XLVIII SWEEPSTAKES. Non-Purchase Entries and Purchase Entries have an Equal Chance of Winning. Open only to legal U.S. residents, 18 or older as of 9/5/13. For details on Non-Purchase Entries, see Official Rules at the end of this document. PIN-based and ATM transactions are not eligible. Void in Puerto Rico and where prohibited. Sweepstakes begins 9/5/13, and ends 12/29/13. Sponsored solely by Visa U.S.A. Inc. The NFL Entities have not offered or sponsored this Sweepstakes in any way.
VISA 2013 SUPER BOWL XLVIII SWEEPSTAKES OFFICIAL RULES
Home sweet home.
In our current lending environment, mortgage rates are on the rise, but ours are still low! Now is the time to secure a low mortgage rate with Xceed Financial, so don’t delay. Apply for a mortgage today and come home to affordable payments.
Plus, we’ve reduced our home equity loan rates,* so you can be free to pursue your passions! Whether your dream is to take a vacation, make over your home or fund the perfect wedding, a home equity loan from Xceed Financial can help you make it happen. Apply for a home equity loan today to start turning your fantasy into a reality.
*Actual rates are based on credit history, term, and loan amount. Credit and collateral are subject to approval. This is not a commitment to lend. Xceed Financial loan limits, collateral requirements, and underwriting guidelines will be followed. Programs, rates, terms and conditions are subject to change at any time without notice. Terms, conditions and restrictions apply. Xceed Financial Federal Credit Union ("Xceed Financial") is an equal opportunity lender. Ask an associate for complete details
Congratulations to our 2013 Romeo Doty Scholarship winners!
Every year, Xceed Financial is proud to award 10 $1,000 scholarships to high school seniors in honor of the late Romeo Doty, our longest-tenured board member. Mr. Doty served as a volunteer for 21 years, and his vision, dedication, and advocacy on behalf of the credit union inspired us to fulfill his dream of making higher education accessible for all students.
To qualify for the scholarship, applicants must be an Xceed Financial member in good standing, 21 years of age or younger, and have a cumulative grade point average (GPA) of 3.5 or higher. Along with their official transcripts and extracurricular activity forms, all 2013 applicants submitted essays that addressed the question, “With college costs rising faster than the average middle class income, what can credit unions do to help families fund education?”
Narrowing down the applicant pool was tough this year, as we received numerous entries from outstanding high school seniors. But after much consideration, we are thrilled to announce our 10 recipients!
Click here to learn all about our 2013 Romeo Doty Scholarship winners.
| Pay the rent, the babysitter, or split check between friends — all with a few clicks of a mouse!
With uTransfer, you can send or receive money anywhere at any time. No need to hassle with carrying around checks or cash. All you need is an Xceed Financial account and the other person's email address or mobile phone number.
Nothing could be simpler, or safer.
Xceed Financial's uTransfer ensures that your personal information is kept private and secure — only you see your account information. And, unlike cash, you can keep track of your uTransfer transactions on Xceed Online, just like online bill pay.
Ready to get started? Log in to Xceed Online today and open an account in less than 10 minutes!
for more details.
NOTICE OF EXPIRATION OF THE TEMPORARY FULL NCUA INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the National Credit Union Administration (NCUA). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the NCUA up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about NCUA insurance coverage of noninterest-bearing transaction accounts, visit www.ncua.gov. A Share Insurance Tool Kit, which is designed to estimate the insurance coverage on member accounts, is also available on NCUA’s website.
Xceed Financial Federal Credit Union has engaged the Accounting firm of Moss Adams LLP, to conduct its member account verification audit. In connection with such audit, the firm will send to selected members a verification letter with instructions to confirm certain account information as of June 30, 2013 and return the letter to them at the address of 601 West Riverside, Suite 1800, Spokane, WA 99201. If your account is selected for this confirmation process, please follow the instructions in the letter and help Xceed Financial Credit Union meet its auditing requirements, as mandated under the National Credit Union Administration Rules and Regulations.
$10,339.77 raised so far in 2013!
Xceed Financial is proud to partner with the Children's Miracle Network in raising much-needed funds for 170 children's hospitals, nationwide.
If you see an associate wearing jeans on Fridays, they are doing so to support this worthy cause.
Ask an associate to tell you all about our fundraising efforts.
Like Xceed Financial on Facebook!
Find out what Numbers Guy is up to, see pictures from grand opening celebrations and other Xceed Financial events, even receive updates from us about rate specials and other announcements.
And, while you're there, feel free to let us know what going on in your life by leaving a comment on our wall. Or, if you have a question about Xceed Financial or would like to share a recent financial experience, we'd love to hear from you!
Text "MYCOOP" to find a surcharge-free ATM near you.
The next time you're out, about, and short on cash, you can now use your cell phone to find any of 80,000 surcharge-free CO-OP ATMs. Introducing MYCOOP, the latest ATM locator service for credit union members.
- Send a text from your cell phone to "MYCOOP" (692667). In the body of the text, enter the address (with city, state, and zip) or intersection (with city and state).
- In about 30 seconds, the service will reply with the nearest CO-OP network surcharge-free ATM.
- If you need to find additional ATM locations, simply reply "MORE" to the message and another listing of surcharge-free ATM locations will be sent to your cell phone.
This locator service is free but standard text messaging rates apply.
To find CO-OP ATM or Shared Branch locations while online, visit our online locator.
Have you seen our home loan rates lately?
Check here for today's rates.
Whether you're a first-time homebuyer or looking to refinance, now's the time to let Xceed Financial put together a loan that's more affordable than you thought possible. Oh, and the friendly, personal service is absolutely free of charge!
- 10- to 30-year Fixed-Rate Mortgage loans
- 1- to 10-year Adjustable-Rate Mortgage loans
- Free loan pre-qualification
- No-cost options to save you even more money
- Free home-buying resources
- First-time buyer education
- Even live online chat to answer all your Mortgage questions
For further information or to apply, please contact:
Home Loan Consultant
800.XFCU.222, option 2
Rates, terms and conditions are subject to change. Rate is based on credit criteria. Property restrictions may apply; property insurance and comprehensive fire and hazard insurance is required. Flood insurance may be required. Mortgage insurance required on loan-to-values greater than 80%. The minimum loan-to-value is 75% to 90% on primary residences, depending on type of loan and the borrower's FICO credit score, and 60% on second homes and investment properties. All loans subject to credit approval. Equal opportunity lender.