This site requires the free Flash plug-in.
Click here to get it.


News & Events

Personal Banker

We think you deserve the VIP treatment. Request your very own Personal Banker today.

On the move in Lewisville!

If you follow the news in Texas, you probably already know there are plans to expand the I-35. That's good news for commuters, but not such good news for the building that houses the Xceed Financial Center in Lewisville – it's, well, in the way.

The Texas Department of Transportation has given our landlord notice that the building and parking lot will be demolished, so our last day at the 1660 S Stemmons Fwy. location will be Friday, October 24, 2014. Please note that the last day members may use the ATM at this location will be Thursday, October 23.

But don't despair – we've secured a new home for our Financial Center! We will be re-opening in suite 4300 of the Xerox building located at 1303 Ridgeview Dr. in Lewisville on Monday, October 27. The ATM at our current location will be transported to our new location once move-in is complete, and the existing Xceed Financial ATM in the Xerox building will remain operational in the meantime. Our hours of operation will remain the same, and all the services at the new location will be identical to those members are currently enjoying at the Lewisville Financial Center. Plus, they'll enjoy 24/7 access to the ATM!

In the meantime, 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.

Home Depot Data Breach Update

As you may have heard, Home Depot has confirmed a major breach of its payment data systems. They have indicated that the breach could potentially impact any customer that has used their payment card at their U.S. or Canadian stores, from April onward, so thousands of cards could be affected.

Xceed Financial has determined that some Xceed check cards and credit cards may have been compromised in this breach. Though we do not have definitive evidence that certain cards have been misused, we are contacting affected members by email or regular mail to let them know that we're issuing them new cards and PIN numbers (where applicable). The new cards and PINs will arrive within a few days after they’ve been notified, and the old cards will be deactivated on the dates indicated on the emailed and mailed notices.

Members who notice any unauthorized transactions with their card should call our Contact Center right away at 800.XFCU.222 (800.932.8222). However, members are not liable for unauthorized charges since Xceed check cards and credit cards are backed by Visa's Zero Liability protection.*

Also, Home Depot is offering free identity protection services, including credit monitoring, to any customer who used a payment card at a Home Depot store in 2014, from April on. To access these services, visit www.homedepot.com or call 1-800-HOMEDEPOT (800-466-3337).

*Visa's Zero Liability protection covers U.S.-issued cards only. This policy does not apply to ATM or PIN transactions not processed by Visa and certain commercial card transactions. Cardholders must notify Xceed promptly of any unauthorized use. Visit visa.com/security for more details

Turn Over a New Leaf this Fall.

It's easy to make a fresh start for your personal finances this fall, because we're offering a 2.99% introductory APR1 on balance transfers and purchases made with Xceed Financial Platinum Visa® credit cards now through October 31, 2014! The introductory APR is good for 12 months from the purchase or balance transfer date. After that, you'll still enjoy a low variable rate, currently 8.99%-17.99% APR for new accounts. Plus, we're waiving the balance transfer fee on transfers made through October 31! The fee for balance transfers after that is $29 or 3% of the transfer amount, whichever is greater (maximum fee: $100). Even better, the Xceed Financial Platinum Visa® credit card has no annual fee. What a great way to start with a clean slate this season!

If you're already enjoying the benefits of our credit card, simply log in to your Xceed Online account, then select Additional Services > Credit Cards > Account Services > Balance Transfer. You can also call us at 888.XFCU.123 (888.932.8123).

Don't have an Xceed Financial Platinum Visa® credit card? Cardholders have access to loads of perks, such as easy account management with Xceed Online banking, competitive interest rates, Verified by Visa®, Visa® Checkout, and Transaction Alerts. Apply today!

1APR = Annual Percentage Rate. The introductory APR for purchases will apply to transactions posted to your account from 8/4/2014 to 10/31/2014. The introductory APR for balance transfers will apply to transactions posted to your account from 9/2/2014 to 10/31/2014. 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 these offers, 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. In addition to the balance transfer fee, the following additional finance charges may apply, depending on the type of transaction: 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.

Protect yourself from the Russian hacking ring – change your passwords!

As you may have heard on the news, a group of hackers in Russia reportedly stole more than a billion usernames and passwords from nearly half a million websites, ranging from small, personal websites to Fortune 500 company websites. Although Xceed Financial has not received confirmation that our website or Xceed Online has been compromised, we recommend changing your Xceed Online password, as well as your passwords for any websites that contain sensitive information, such as credit card numbers and health records, immediately for your safety. We also recommend changing your password for any email accounts, as the hackers reportedly compromised around 500 million email accounts. Here are some other ways to keep your data out of hackers' hands:

  • Make your passwords strong. Use a long, random combination of letters, numbers, and symbols – not words that can be easily guessed.
  • Choose a different password for every website you use.
  • If a website offers a two-step identity verification process to gain access, such as entering a password and sending a verification code to your cell phone, enable it.
  • Be sure to monitor all your debit and credit card activity for any signs of a compromise.

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.


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.

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, 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.

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

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.