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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.
Freedom to fund your dream.
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
Build a strong foundation of savings.
For a limited time, Xceed Financial is offering a 12-month business share certificate at the super competitive rate of 1.00% APY*. It’s the perfect chance to make a valuable investment in your business’ future. Open a business share certificate now with as little as $500, and in just a year, you’ll see returns that can help you succeed.
Don’t delay! Jump on this opportunity today and build a solid financial base for your business.
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 3/20/13. Business 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. Rates, terms, and conditions subject to change at any time. This is a promotional rate and may be discontinued at any time. Ask an Xceed Financial associate for complete details. Federally insured by NCUA.
ready. set. GO!
Rates as low as 1.99% APR*.
There’s nothing like your own wheels to make you feel in control. So seize this opportunity for low interest rates on new or refinanced auto loans.
You can even choose to defer payments for 90 days.** You’re the driver, so take charge today!
Don't miss out! To receive a great rate on your auto loan, click here to apply online, stop by your local Xceed Financial Center, or call us toll-free at 800.XFCU.222 (800.932.8222).
Click here for more information regarding an XFCU auto loan.
*APR=Annual Percentage Rate. Actual rates are based on credit history, term, and loan amount, but not less than 1.99% APR for new and used auto loans. Automatic payment from your Xceed Financial checking account is required to receive a more competitive rate. Auto loans with automatic payment from a source other than an Xceed Financial checking account will be 0.25% higher. Auto loans using an Xceed Financial loan coupon booklet will be 0.35% higher. Xceed Financial loan limits, collateral requirements, and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 4/15/13 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.
**Interest will accrue on your auto loan during the 90-day deferral period. Ask an associate for complete details.
| 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.
Design Your Own Card!
| Your card, your choice!
Why not express your personal style every time you use your credit card? Design Your Own Card lets you upload a personal photo from your computer, or choose a favorite image from our extensive card catalog. Either way, you'll have a card that expresses your personal style.
Choose a photo of your friends, family, a pet, a hobby, a favorite sports team or a social cause that's dear to your heart. Then just point and click, and you're good to go.
For more details about DYOC click here
, call 800.XFCU.222 (800.932.8222)
, or visit your local Xceed Financial Center.
You hold the key to stop fraud!
| The power of CardLockTM
Xceed Financial now offers CardLock – a free, new innovative service that provides an added level of control and security to protect against credit card fraud.
You lock your home and car for safety and security; now you can do the same with your credit cards. Use it from time to time or all the time–the choice is yours. Here are just a few examples of the many ways CardLock can fight against fraud:
- Lock your card between purchases to prevent fraudulent usage–next time you need to use the card, you can unlock it in less than 30 seconds.
- When traveling, be safe and lock the card when not in use.
- If you've made an online purchase with your card and feel nervous about Internet security, take a few moments to lock the card.
No matter how you choose to use CardLock, if anyone tries to make an unauthorized purchase while your card is locked, you'll be automatically notified by phone of the transaction attempt.
To learn more about our revolutionary CardLock service, please call 800.XFCU.222
(800.932.8222) or click here
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 audit of the financials. In connection with such audit, the firm will send to selected members a confirmation letter with instructions to confirm certain account information as of December 31, 2012 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.
$3,823.80 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.
Have you tried our new calculators?
We've just given our calculator page a serious facelift. If you like playing the "what if" game, you're going to love having more than 50 calcs at your fingertips. Here's just a quick sample:
What will it take to become a millionaire?
How much will my share certificate be worth at maturity?
How much can I contribute to my retirement plan each year?
How much can I borrow?
How much will my vehicle payments be?
And dozens more! Plus, you can have the calc results emailed directly to you. How handy is that?
Click here to access our full suite of calculators.
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.