We're bringing more Xceed to you.
Get ready for our next Financial Center near LAX.
Hey, we heard you wanted more. Ok, it's a deal. We're putting the finishing touches on our newest Financial Center. It will be our second location near LAX and
we just can't wait to show it off. All the latest in member service technology, friendly, professional associates to meet your financial needs, and conveniently located just minutes south of LAX.
So get ready to help us celebrate! We'll share more details as we prepare to open the doors.
Dive into a great low rate this summer with Visa Platinum!
4.9% fixed APR* on balance transfers through December 31, 2009
Go ahead and jump in, the monthly savings are fine!
Searching for ways to save money? Look no further! Get an Xceed Visa® Platinum Card and save money by consolidating your other card balances to enjoy a special 4.9% APR through December 31, 2009.
Don’t let your debt drown in other higher interest loans or credit cards. See how much you could save with the Xceed Visa® Platinum Card. Plus, many credit cards charge you a 3% transaction fee; at Xceed, pay only $29 to transfer a balance. It’s a no-brainer!
And don’t forget about our CURewards™. Earn points for all your purchases—one point for every dollar you spend on new purchases.**
To start saving, call 800.XFCU.222, stop by your local Xceed Financial Center or visit xfcu.org today! Hurry, offer ends August 31, 2009!
Xceed Financial Credit Union loan limits, requirements, and underwriting guidelines will be followed. Ask an associate for complete details. Credit card application must be submitted
by August 15, 2009. Balance transfers must be completed by August 31, 2009. *APR (Annual Percentage Rate). Promotional rate valid through December 31, 2009. Thereafter, standard variable rate applies. As of June 1, 2009, standard variable rate for Visa® Platinum with CURewards is 13.99% or 14.99%, based on credit criteria. **Certain conditions and exclusions may apply. Balance transfers may not be used to pay off or pay down any Xceed Financial Credit Union account. Details will be provided when you become a cardmember. Other terms and conditions may apply and are subject to change at any time. Xceed Financial Credit Union is an equal opportunity lender.
Give your loan payment a vacation!
Skip a payment and enjoy the funds you need for some summer fun! With Skip-A-Payment, you'll have one less bill to pay and some extra money this summer. In need of a vacation? Paying down some bills? Use the funds for whatever you want.
To skip your August payment on a qualified loan,* simply download the Skip-A-Payment form, complete, and return it to us today.
But hurry! To take advantage of this offer, please send in your request no later than July 15, 2009.
Xceed Financial Credit Union
Attention: Skip-A-Payment
3330 Monroe Avenue
Rochester, NY 14618
or fax to 585.385.6281
*Mortgage loans, Looks-Like-a-Lease and Credit Cards are not eligible for Skip-A-Payment. A $30 processing fee for each consumer loan you choose to skip will be deducted from your savings, checking or money market account. Interest will continue to accrue during the month you choose to skip and may result in higher total finance changes on your loan(s). Skipping payments will extend the term of your loan. Member accounts must be in good standing. Members who have been 30+ days delinquent on their XFCU loan payment within the last 12 months or have been 90+ days delinquent on any XFCU loan are not eligible for Skip-A-Payment. This deferral is subject to credit union approval.Hey, we heard you wanted more. Ok, it's a deal. We're putting the finishing touches on our newest Financial Center. It will be our second location near LAX and
we just can't wait to show it off. All the latest in member service technology, friendly, professional associates to meet your financial needs, and conveniently located just minutes south of LAX.
Welcome, RFCU Members!
We're so glad you're here and can't wait to make you feel right at home.
Please click here to view our comprehensive Welcome Guide. In this guide, you'll find:
- Important Xceed contact information
- Information about Xceed share and loan accounts
- Xceed membership perks
Connect with your Rochester Federal Credit Union Visa Credit Card
Continue to access account information for your RFCU Visa Credit Card via this link. Members with RFCU Visa Credit Cards will receive further information from Xceed in the near future.
Of course, if you have any questions about how your newly transferred accounts operate or you want to know more about your member benefits, please do not hesitate to call one of our Contact Center associates at 800.XFCU.222, visit your local Xceed Financial Center, or email us.
We are delighted to now serve you as an Xceed Financial member and truly appreciate your continued business!
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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 new, FREE money management tool!
We've recently partnered with our friends at the Filene Research Institute (an innovative research organization benefiting the credit union industry) to offer a free money management tool called debtinfocus.
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.
Identity Theft Alert!
Be on the lookout for some of these recent tactics used
by thieves to steal your identity.
How would lower insurance coverage costs sound to you?
Yep, we knew you'd say that.
When it comes to protecting your most important purchases, we make it look easy. And affordable. As an Xceed Financial member, you can conveniently purchase and manage a number of personal insurance products through United Insurance Partners (UIP) Insurance Services, one of our most trusted insurance providers.
- Auto
- Homeowners
- Motorcycle, RV, Watercraft
- Life Insurance
- Rental Property
Sure, you probably already have insurance. But wouldn't it be great to see if you could get that same peace of mind for less?
Request a free insurance quote, toll-free at 888.844.4950 or click here to visit UIP online to see if we can help save you money.
Insurance products are available to qualifying Xceed Financial Credit Union members through United Agencies and its affiliates including UIP Insurance Services, LLC. Insurance License #0252636.
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! Beginning December 15, Xceed Online's Bill Payer will offer 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.
Once this service becomes available, you'll see an 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.
We think you're sure to love Expedited Payments and welcome the opportunity to show you just how easy the service is to use. 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?
We thought you'd like to know that our home loan rates are at historic lows! However, act now, because there's no telling how long they'll stay this low.
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 40-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.
