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Personal Banker

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

Based on a preliminary assessment, Xceed Online systems have not been affected by the OpenSSL bug known as “Heartbleed.”

“Heartbleed” is a recently discovered serious bug found in OpenSSL—encryption used in many websites to protect sensitive data such as emails, passwords or credit card data. Xceed Financial is taking necessary steps to address this potential risk. Based on a preliminary assessment, it does not appear that our systems are susceptible to a data breach. We will, however, continue to closely monitor our systems and will keep members informed as necessary.

Please be aware, only certain versions of OpenSSL are affected by “Heartbleed.”

Questions? Please call 800.XFCU.222 (800.932.8222).

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.

Auto loans worth celebrating!

Rates as low as 1.29% APR*.

We’re celebrating our golden anniversary by offering you spring deals on auto loans. Qualify for a low interest rate on a new auto loan from Xceed Financial, and drive away with the car of your dreams. Or, grab this opportunity to refinance an existing loan and save a bundle over the life of your loan. You can even choose to defer payments for 90 days.**

Don’t miss out! To see if you qualify for a competitive rate on an auto loan, click here to apply online, stop by your Xceed Financial Center, or call us toll-free at 800.XFCU.222 (800.932.8222).

Click here for more information about Xceed Financial auto loans.

Need some one-on-one assistance with the auto loan application process? Click here to schedule a phone call with one of our associates.

*APR=Annual Percentage Rate and is based on both your credit score and term of the loan, and includes an APR reduction of .35%, when you setup automatic payments from your Xceed Financial Federal Credit Union (Xceed Financial) checking account. Auto loans using an Xceed Financial loan coupon booklet and/or that do not have an automatic payment will be 0.35% higher than the stated APR. Ask an associate for complete details.

Rates and terms are effective as of 4/7/2014 and are subject to change at any time. Other terms and conditions apply. Xceed Financial Federal Credit Union is an equal opportunity lender.

**You 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.

Nurture your nest egg in 2014.

For a limited time, Xceed is offering a special 14-month IRA share certificate1 at 1.40% APY*, and a 17-month share certificate2 at 1.50% APY*. So take your pick! The minimum opening deposit is only $5003.

Keep your New Year’s resolution to save more and open a share certificate today. To get started, 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 2/13/2014. $500 minimum balance required to earn the APY and to open the account. Personal 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. Certificate is a promotional product and may be discontinued at any time. Ask an associate for details.

1Certificate may not be used as collateral and is not available as a non-retirement or business product. At maturity, the 14-month IRA certificate, including dividends, will automatically renew into a 12-month IRA certificate account at the then current rate and terms, unless you instruct us otherwise in person or in writing before the end of the grace period.

2Certificate may not be used as collateral and is not available as a retirement or business product. At maturity, the 17-month certificate, including dividends, will automatically renew into an 18-month certificate account at the then current rate and terms, unless you instruct us otherwise in person or in writing before the end of the grace period.

3New money only. Source of funds on deposit(s) into certificate may not be from an existing Xceed Financial Federal Credit Union account.

You are invited to our Annual Meeting!

2014 Election of Directors and Annual Meeting Notice

As a member of the Credit Union, you are invited to attend the official Annual Meeting of the members of Xceed Financial Federal Credit Union on:

Tuesday, May 20, 2014, at 5:00 p.m.
In the boardroom of our corporate headquarters located on the second floor at:

Xceed Financial Credit Union
888 N. Nash Street
El Segundo, CA 90245

Click here to download more information.

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.

$27,159.48 raised 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.

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.