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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.


Earn an "A" in Smart Spending.

Planning to stock up on new clothes, school supplies, or something else for the fall? Now you can ace your plan to save big on your purchases, because we're offering a low 2.99% introductory APR for 12 months on Xceed Financial Platinum Visa® credit cards for purchases made from August 4 through October 31, 20141! After the introductory APR, you'll enjoy a low variable rate, currently 8.99%-17.99% APR for new accounts. 

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 August 4, 2014, until October 31, 2014. Offer does not apply to Xceed Business Visa® credit card accounts. 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 effective as of 6/3/2014. The following additional finance charges may apply, depending on the type of transaction: For balance transfer transactions – a Balance Transfer Fee of $10 or 3% of the balance transfer amount, whichever is greater (maximum fee: $100); 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 complete details. Xceed Financial Federal Credit Union ("Xceed Financial") is an equal opportunity lender.



Pick the term that suits you, and embark on your savings journey!

As you're jet-setting, train-hopping, or cruising this summer, be sure to slip a savings plan into your itinerary, because for a limited time, we're offering promotional rates on share and IRA share certificates. A minimum deposit of $500 is required.

  • 6-months at .50% APY1
  • 7-months at .70% APY1,2,4
  • 12-months at .90% APY1
  • 17-months at 1.50% APY1,3,4
  • 60-months at 2.05% APY1

Don't miss the boat on this first-class opportunity to save!

1APY (Annual Percentage Yield) is current as of 8/13/2014. $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. Ask an associate for details.

2At maturity, the 7-month certificate, including dividends, will automatically renew into a 6-month share certificate account or 6-month IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us otherwise in person or in writing before the end of the grace period.

3Certificate is not available as a retirement product. At maturity, the 17-month share certificate account, including dividends, will automatically renew into an 18-month share 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.

4New money only. Source of funds on deposit(s) into certificate may not be from an existing Xceed Financial Federal Credit Union account. Certificate is a promotional product and may be discontinued at any time. Certificate may not be used as collateral.



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.



Dreaming of a summer road trip?

Take a trip to a low auto loan rate!1

With a low-interest rate auto loan from Xceed Financial, you can take that summer getaway in the car of your dreams. And if a high car payment is putting the brakes on your vacation plans, trade in the loan you have with another lender, and escape that high rate. Because it's our golden anniversary, you can extend the vacation a little longer by choosing to defer payments for 90 days2.

Click here to get started, visit your local Xceed Financial Center, or call us at 800.XFCU.222 (800.932.8222).

1Actual rates may vary based each individual's credit history, loan type, and underwriting factors, but may not be lower than 1.29% annual percentage rate (APR) for new auto loans and 1.29% APR for 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. 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 complete details.

2You 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.



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.


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

$3,847.84 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.