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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 December 31, 2014 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.


Spread some cheer to everyone on your list this year.

Ready to brave the crowds and scour the stores in search of the perfect holiday gifts? We're helping you make shopping a breeze, because now through December 31, 2014, we're offering a 2.99% introductory APR* on purchases made with Xceed Financial Platinum Visa® credit cards! The introductory APR is good for 12 months from the purchase date. After that, you'll still enjoy a low variable rate, currently 8.99% to 17.99% APR for new accounts. Even better, the Xceed Financial Platinum Visa® credit card has no annual fee.

Not an Xceed Financial credit cardholder yet? Start your application today at xfcu.org/mycreditcard, visit your local Xceed Financial Center, or call us at 888.XFCU.123 (888.932.8123).

*APR = Annual Percentage Rate. The introductory APR for purchases will apply to transactions posted to your account from 8/4/2014 to 12/31/2014. Offer available to both existing and new credit card accounts and does not apply to Xceed Business Visa® credit card accounts. If you take advantage of this offer, please note you will lose the grace period on new purchases made with your Xceed Financial Platinum Visa® credit card if you do not pay the entire statement balance, including the amount subject to the promotional APR, by the payment due date. New credit card accounts are subject to credit qualifications and approval. Actual rates and loan limits are based on applicants' credit score and verifiable income. Xceed Financial loan limits and underwriting guidelines will be followed. The current, standard (non-introductory) variable APR for purchases, balance transfers, and cash advances for new accounts is either 8.99%, 10.99%, or 16.99% for Visa® Platinum Cards (without rewards) and either 13.99%, or 14.99%, or 17.99% for Visa® Platinum Cards (with rewards), based on your creditworthiness, and are current as of 7/25/2014. The following finance charges may apply, depending on the type of transaction: For balance transfers - $29 or 3% of the transfer amount, whichever is greater (maximum fee: $100), for cash advance transactions – a Cash Advance Fee of $10 or 3% of the cash advance amount, whichever is greater; for foreign transactions – a Foreign Transaction Fee of 1% of each foreign transaction (in U.S. dollars). If you are charged interest, the charge will be no less than $1.00. Other terms and conditions apply. Programs, rates, terms and conditions subject to change at any time. Ask an associate for details. Xceed Financial Federal Credit Union ("Xceed Financial") is an equal opportunity lender.



On the move in Lewisville!

Our Lewisville Financial Center has moved from its 1660 S Stemmons Fwy. location to make room for the I-35 expansion! We are now open for business in suite 4300 of the Xerox building located at 1303 Ridgeview Dr. in Lewisville. Members can rest assured that our hours of operation will remain the same, and all the services at the new location are identical to those they enjoyed at the previous location.

If you have questions, please don't hesitate to contact us at 800.XFCU.222 or stop into the Lewisville Financial Center.



Auto loans worth celebrating!

Celebrate our 50th anniversary with a happy dance and a new set of wheels!

For a limited time, Xceed Financial is offering a special loan rate and term in honor of its golden anniversary. Take this opportunity to purchase the car you've always wanted, or refinance an existing loan for easier-to-handle monthly payments.* Make it an even better deal by choosing to defer your payments for 90 days.1

To apply and get a quick decision, log on to xfcu.org/mycar, visit your local Xceed Financial Center, or call us toll-free at 800.XFCU.222 (800.932.8222).

*Actual rates may vary based on each individual's credit history, loan type, and underwriting factors, but may not be lower than 1.29% annual percentage rate (APR) for new and used auto loans. The 1.29% APR reflects a rate reduction of .35% off the standard rate for automatic payment from an Xceed Financial checking account. Programs, rates, terms and conditions are effective as of 4/21/2014 and are subject to change at any time without notice. A 50-month loan at 1.29% APR requires 50 payments of approximately $20.55 per $1,000 borrowed. Not all vehicle years, 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 full details.

1You 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.



Dig up funds in your own backyard.

Take out a home equity line of credit (HELOC) from Xceed Financial, and use the funds to finance an education, consolidate high-interest debt, or pay for a kitchen remodel! Our HELOC rates are currently as low as 2.75% variable APR1. If you're a Texas resident, you can improve your cash flow with a Texas home equity loan at a rate as low as 3.25% APR2. Apply today to start unlocking your equity!

1Actual rates may vary based on each individual's creditworthiness and underwriting factors. The 2.75% variable annual percentage rate (APR) reflects a rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial checking account. Credit and collateral are subject to approval. This is not a commitment to lend. Xceed Financial collateral requirements and underwriting guidelines will be followed. The APR may vary after the account is opened. The maximum allowable APR is 18%. The minimum loan amount is $15,000; the maximum loan amount is $750,000. The maximum loan-to-value (LTV) is 90% and is subject to verification. You may draw on your line of credit making interest-only payments for a maximum of 10 years; after the draw period, your payment will be based on principal and a fixed interest rate for the next 15 years. You may pay certain fees to third parties to open the plan. These fees generally total between $250 and $1,500. 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 at the time the loan is open in order to have third party fees waived. If you close your HELOC within 24 months you are subject to pay the lesser of your actual closing costs or $250. A $75 Inactivity Fee may be assessed each subsequent anniversary year in which you do not maintain an outstanding principal balance during any portion of two consecutive billing cycles. Programs, rates, terms, and conditions are effective as of 2/19/2014, and are subject to change at any time without notice. Property insurance is, and flood insurance may, be required and are not included in closing costs. Not available for existing home equity loans with Xceed Financial and/or properties located in the state of Texas. Additional terms, conditions, and restrictions apply. Ask an associate for complete details.

2Actual rates may vary based on each individual's creditworthiness, loan type and underwriting factors. Credit and collateral are subject to approval. This is not a commitment to lend. The minimum loan amount is $15,000; the maximum loan amount is $1,500,000. The maximum loan-to-value (LTV) is 80% and is subject to verification. Programs, rates, terms, and conditions are effective as of 2/19/2014 and are subject to change at any time without notice. Property insurance is, and flood insurance may, be required and are not included in closing costs. Additional terms, conditions, and restrictions apply. Ask an associate for complete details.



We’re on social media!

We have our own pages on Facebook, Twitter, and LinkedIn, where we provide our followers with tips on their personal finances and careers, advertise our current offerings, and share all the latest happenings here at Xceed Financial. If you’re not already following us on Twitter and LinkedIn, or if you haven’t “Liked” us on Facebook yet, visit our Facebook, Twitter, and LinkedIn pages and get on board today.



Simplify your life and help save a tree at the same time.

When you go paperless, we’ll send you an email every month when your statement is available. Then, you can view, download, and archive your statements at your leisure—all you need is an Internet connection, Xceed Online Banking access, Adobe Acrobat Reader, and a valid email address. It’s a convenient, secure, environmentally-friendly no-brainer.

To make the switch, log in to Xceed Online Banking, click the “eStatements” link underneath the “Additional Services” menu, and agree to the terms.

Questions? Call us toll-free at 800.XFCU.222 (800.932.8222) or stop by your local Xceed Financial Center.



uTransfer

uTransfer
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!

Click here for more details.


Credit Unions for Kids

$5,361.51 raised so far in 2014!

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.


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.

  1. 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).
  2. In about 30 seconds, the service will reply with the nearest CO-OP network surcharge-free ATM.
  3. 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:
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.