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Please note our change in Saturday hours of operation.
We want to let you know that as of March 1, 2010, Xceed will no longer be open on Saturday at the following Financial Centers:
Gateway El Segundo (460 N Sepulveda Boulevard)
Lewisville (1660 South Stemmons Freeway)
Henrietta (1425 Jefferson Road)
Stoneridge (1560 West Ridge Road)
Our weekday business hours at these locations, Monday through Friday, 9 a.m. to 6 p.m., will remain unchanged. And, for added 24/7 convenience, these four locations also have a night drop and deposit-taking ATM.
Of course, because we’re deeply committed to member convenience, any decision to reduce hours of operation is a difficult one. Still, after careful analysis of Saturday activity at these locations, it is clear to us that our members strongly favor weekday transactions or Saturday visits to one of our other Financial Centers in the immediate area.
We also want to assure you to that we have and will continue to take every opportunity possible to offer additional account access options that keep your funds within reach anytime, anywhere.
Above and beyond our own Financial Centers, we’re members of the CU Service Centers® Network of shared branches, offering more than 6,000 locations. Xceed members can also take advantage of the CO-OP® Network of 28,000 surcharge-free ATMs. We invite you to use our convenient online location finder to find one (or several) near you.
Your loyal business means the world to us, and we thank you for choosing Xceed. If you have any questions at all about our new business hours at these locations, please don’t hesitate to call us toll-free at 800.XFCU.222 (800.932.8222) or send an email to contact@xfcu.org. We’re more than happy to help.
Changes to ATM deposit guidelines.
Effective November 15, 2009, deposits will no longer be accepted at automated teller machines (ATMs) that are not associated with the CO-OP® Network. This change prohibits Xceed-related deposits at PLUS® Network ATMs. Only the deposit feature at PLUS ATMs is being eliminated; balance inquiries, withdrawals, and transfers at these ATMs will still be accepted and processed.
Where Deposits Can Be Made
ATMs
Xceed members may make deposits at Xceed ATMs (that offer this feature) and at more than 25,000 surcharge-free CO-OP ATMs. To find the nearest CO-OP ATM, click here or text “MYCOOP” (692667) on your cell phone. If you text, enter your address or closest intersection, and within 30 seconds, you’ll receive info on the nearest surcharge-free CO-OP ATM.*
Xceed Financial Centers
Deposits can also be made at one of Xceed’s 16 Financial Centers. To find the location nearest you, click here.
Shared-branch Locations
Xceed is a part of the CU Service Centers® Network, joining forces with other credit unions to share branch locations. To find the closest CU Service Centers location, click here.
Expedited Funds Availability Act
As a reminder, in accordance with the Expedited Funds Availability Act, checks deposited through Xceed or CO-OP Network ATMs may be placed on hold. Please refer to your Agreement and Truth in Savings Disclosure and the Electronic Services Disclosure and Agreement for further information.
*The texting feature is free, but standard text messaging rates.
Rest easy! $250,000 Share Insurance protection has been extended to 2013.
We've got great news for you. The Helping Families Save Their Homes Act of 2009, signed into law May 20, 2009, includes a provision that extends the $250,000 Share Insurance coverage provided by the National Credit Union Share Insurance (NCUSIF) Fund through December 31, 2013. Previously, this level of coverage was set to expire December 31, 2009.
What coverage is provided by the NCUSIF?
- Each member account (a combination of share accounts within one membership) is insured up to $250,000.
- Additionally, the NCUSIF insures Traditional and Roth IRAs in the aggregate at each credit union for up to $250,000. KEOGH accounts are also insured separately in the aggregate to $250,000 at each credit union.
Questions about this extended protection? Just give us a call at 800.XFCU.222 or send an email. We'd love to hear from you.
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Find Numbers Guy on Facebook!
The next time you're on Facebook, search for "Xceed Financial Credit Union" to find and "become a fan" of our new business page. |
Find out what Numbers Guy is up to, see pictures from grand opening celebrations and other Xceed 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 or would like to share a recent financial experience, we'd love to hear from you!
Check out our FREE money management tool!
At Xceed, we are committed to providing resources to help our members achieve financial goals. This online tool is designed specifically to develop a free and anonymous online financial analysis with actionable strategies.
We invite you to visit debtinfocus by clicking here. And of course, we welcome any comments have regarding this free service. Feel free to send us an email.
Xceed Online Bill Payer offers Expedited Payments.
We've all been there before. You need to make a payment immediately or it will be late and you'll suffer embarrassing and costly late fees. Fear not! Xceed Online's Bill Payer offers the convenience of Expedited Payments. Make last-minute payments to anyone or anywhere in the continental United States through Bill Payer, either electronically or via overnight check, for a nominal convenience fee.
Click the Expedited Payment option under the left menu's Bills & Payments section. You'll be taken to a screen to choose from your list of existing payees, enter the amount of the payment, the method of choice (electronic vs. overnight check), and from which account the funds are drawn. Just as simple as that.
To get you started, we'll answer a few of the more common questions below.
Frequently Asked Questions
How much is the convenience fee? From which account is the fee deducted?
A nominal convenience fee will be added to the payment amount:
$4.95 for electronic payments
$15.95 for overnight checks
The convenience fee is debited as a separate transaction from the account you are using to make the payment, and will show up on your statement as "Convenience Fee."
Are there limitations to where payments can be sent?
Yes. Expedited payments cannot be sent to an address in Hawaii, Alaska, or to a PO Box. Other limitations are based on biller capabilities.
How do you obtain the overnight check address for a payee?
Expedited Payments has the capacity to know what time of day you are making a request, as well as the payment delivery cut-off times of your payees. As a result, if your request is after a payee's cut-off time for the day, the payment choice may be limited to the overnight check option, rather than electronic payment.
A payee may designate a separate address for overnight check payments. You should either check your bill, search the payee's website or contact the payee directly to find out the correct address.
Can overnight checks be tracked?
Certainly. The tracking number link appears on the Payment Details page.
Can payments be changed or canceled once submitted?
No. Payment processing begins immediately after clicking the submit button.
Give us a call, toll free, at 800.XFCU.222 or drop us an email if you have any questions about Expedited Payments or Xceed Online.
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 25,000+ 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 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:
Russell Cerpa
Home Loan Consultant
800.XFCU.222, option 2
310.606.0590, weekends
rcerpa@xfcu.org
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.
