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Welcome, ADT Employees!

Excellent service and exclusive promotions for everyone who works at ADT.

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Your Personal Banker

At Xceed, service is never one-size-fits-all. We’d be happy to match you with your own Personal Banker.

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Wide Range of Services

Personal accounts. Loans. Business services. Online and mobile banking. Great rates to grow your money.

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Here When You Need Us

We’re here to help at every stage of life. Plus, we have expertise in company-specific retirement accounts.

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Fast, personal financial services, for ADT employees.

Personalized support, great products, and competitive rates for all your financial needs. That’s Xceed.

Earn Double Rewards!

For a limited time, you can earn 2x Rewards* on travel, dining, gas and groceries when you use your Xceed Platinum Visa® Rewards Credit Card on qualifying purchases.5

Get the details »

$200 checking bonus for ADT employees

Want to do more with what you earn? Earn $200 when you open a new dividend-bearing Signature Checking Account.6 Terms and conditions apply. See below for details. At Xceed, we help members go further.

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Open your Signature Checking account »

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Earn cash rewards when buying or selling a home

Visit the Xceed Home Search Rewards Center to browse nationwide listings or look for a realtor. You could even enjoy a cashback reward of up to $9,1507 if you choose to work with one of our realtor partners to buy a new home or sell your current home.

Learn more »

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Xtraordinary Moment

Luis A - Xceed Customer
Name
Luis A., Jr.
Member Since
1991

I refinanced my home through the credit union. They did a fantastic job. Not only were their rates very competitive, but also their closing costs compared to major banks. They were 35% lower than the competitors.

Get in touch with us

Ready to join?
Open an account
Talk to one of our associates
Call 800.XFCU.222
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The Cummings family discusses Xceed's amazing service and rates for auto loans

Additional terms, conditions, and restrictions apply. All offers, programs, rates, terms, and conditions are current as of 7/06/2020, and are subject to change at any time without notice. Loans are subject to credit qualifications and approval. This is not a commitment to lend. Xceed Financial collateral requirements and underwriting guidelines will be followed. This is a limited time offer.  Ask an associate for details.

1APY = Annual Percentage Yield. The APY reflects an interest rate increase of .50% for one share certificate with a term of 12 months or longer. Share and IRA Share Certificates must be opened by 03/31/20 to qualify. Offer available for one Share Certificate only and must be applied within 180 days of opening membership. Offer not valid on business accounts. New money only. Maximum of $15 million in total new share certificates eligible for rate increase. The dividend rates and APY are effective as of 5/14/2020 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time. Fees incurred may reduce earnings on these accounts. A penalty may be imposed for early withdrawal.

2Pricing and terms.

3The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. Not valid on existing Xceed auto loans. Rate cannot be lower than 2.79%. The APR reflects an interest rate reduction of .50% off the standard rate for one Xceed auto loan with auto payment made directly from an Xceed Signature or Simplicity Checking Account. Offer available for one auto loan only and must be applied within 180 days of opening membership. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 6/18/2020 and are subject to change at any time without notice. Not all vehicle years, makes, and models will qualify. Additional terms, conditions, and restrictions apply.

4Conforming rates and payments based on a loan amount of $484,350. HELOC and HE loan are based on $100,000. Certain rate and/or point adjustments may apply depending on loan features. XFCU updates this rate page daily between 6:00-9:00 AM PT on business days. All rates quoted assume a 45 day rate lock. Other rate lock periods are available. Interest rates posted on this sheet are based on a 740 FICO and a purchase of 60% loan to value (LTV) Owner occupied single family residence property in California. Additional fees may apply based on credit score, LTV, property type, occupancy, and cash out refinances.

5Earn 2x rewards on qualifying travel, dining, and grocery purchases, posted beginning 10/1/2019. Purchases must have the required merchant code signifying the transaction for purchases on travel – includes airlines, car rentals and hotels/resorts – (merchant numbers: 3000-3833, 4112, 4121, 4131, 4511, 4722, 4789, 5962, 7011 and 7512), dining (merchant numbers: 5812 and 5814), gas and groceries (merchant numbers: 5411, 5422, 5451, 5499, 5541 and 5542). Transactions within other establishments do not apply. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the statement credit offer. To earn a statement credit, each account must remain open, in good standing and not become delinquent. Allow up to two billing cycles for the statement credit to post to your account. All purchases are subject to credit approval. Offers, terms and conditions subject to change at any time without notice. This is a limited time offer. Some restrictions may apply.

6To receive the $200 bonus, you must be a current ADT employee, open your new Signature Checking account by December 31, 2020, be a member in good standing, have direct deposits of at least $500 per month to your Xceed Signature Checking account (evidenced by two consecutive months of ACH payroll deposits within the first 90 days of account opening), sign up for Xceed Online with eStatements, sign up for overdraft protection, and have a Visa® Platinum debit card issued. The $200 bonus will be credited within 30 days after the account has been open for 90 days. The $200 will be considered as dividends and will be reported on IRS Form 1099-INT. All new account applicants must be verified through ChexSystems, qualify for membership, and open a primary share savings account. Signature Checking Account: APY (Annual Percentage Yield) is 0.25% on balances $0 to $49,999.99; 0.25% APY on balances $50,000 to $99,999.99; 0.25% APY on balances $100,000 to $249,999.99; 0.25% APY $250,000 to $499,999.99; and 0.25% APY on balances $500,000 and over. No minimum balance required to open the account. The APY is effective as of 5/14/2020, may change after the account opened, is accurate as of the last dividend declaration date, and is determined by the Board of Directors. Fees incurred could reduce earnings on these accounts. A primary savings account with a deposit of $5 is required for membership. Offer not available to members with existing Xceed checking accounts.

7Program and rewards, including the Cash-Back bonus, are provided by Cartus Corporation and made available to Xceed Financial Federal Credit Union members. The Cash-Back bonus is offered in most states. The Cash-Back bonus is only available with the purchase and/or sale of your home through the use of a program-recommended real estate agent. Customers are not required to receive financing from Xceed Financial Federal Credit Union in order to receive benefits of this program. All real estate commissions are negotiable. Other terms and conditions may apply. Please check with an Xceed Mortgage Loan Officer for details.

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