Share Certificates

Fixed Rates, Steady Returns.

Competitive share certificate rates can build your savings and diversify your portfolio. Throughout the year, our Share Certificates provide high-yield savings through fixed rates with a variety of term options.

And now, save more with Xceed! 

When it comes to saving, Xceed’s got some of the best rates in town! In addition to the newly-raised rates on our 12-, 18-, and 24-month share and IRA share certificates, we’ve also got a limited-time offer of 1.9% APY* on our 19-month share certificate or IRA share certificate.

The best part? These share certificates can be opened with as little as $500. Transfer funds from another financial institution to get started.

To open your new certificate, call 800.XFCU.222 (800.932.8222) or stop by your nearest Xceed Financial Center.

  • Open with as little as $500
  • Dividends paid quarterly
  • Transfer dividends to your Xceed personal checking or savings

*APY (Annual Percentage Yield) is current as of 4/24/18. New money only. Funds must not have been on deposit with Xceed for at least 30 days. $500 minimum balance required to earn the APY and to open the account. Promotional rate valid until $10 million in new share certificates are opened. Offer not valid on business accounts. 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. At maturity, the 19-month certificate, including dividends will automatically renew into an 18-month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer. Rates, terms, and conditions subject to change at any time. Ask an associate for details. Rate for M&T Bank is based off of an 18-month certificate of deposit. Sources: https://www.bankofamerica.com/deposits/bank-cds/standard-term-cd/ and https://www.mtb.com/banking/savings-cds/savings-account-cd-options/certificates-of-deposit-cds.

Make your retirement dreams a reality. We offer a wide variety of Individual Retirement Accounts (IRAs) to help you achieve your goals.

And now, save more with Xceed! 

When it comes to saving, Xceed’s got some of the best rates in town! In addition to the newly-raised rates on our 12-, 18-, and 24-month share and IRA share certificates, we’ve also got a limited-time offer of 1.9% APY* on our 19-month share certificate or IRA share certificate.

The best part? These share certificates can be opened with as little as $500. Transfer funds from another financial institution to get started.

To open your new certificate, call 800.XFCU.222 (800.932.8222) or stop by your nearest Xceed Financial Center.

  • Traditional or Roth
  • Annual contributions may be tax-deductible or tax-free
  • Withdrawals at age 59½ and older may be penalty-free
  • Funds are NCUA-insured up to $250,000
  • Dividends paid quarterly

*APY (Annual Percentage Yield) is current as of 4/24/18. New money only. Funds must not have been on deposit with Xceed for at least 30 days. $500 minimum balance required to earn the APY and to open the account. Promotional rate valid until $10 million in new share certificates are opened. Offer not valid on business accounts. 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. At maturity, the 19-month certificate, including dividends will automatically renew into an 18-month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer. Rates, terms, and conditions subject to change at any time. Ask an associate for details. Rate for M&T Bank is based off of an 18-month certificate of deposit. Sources: https://www.bankofamerica.com/deposits/bank-cds/standard-term-cd/ and https://www.mtb.com/banking/savings-cds/savings-account-cd-options/certificates-of-deposits-cds.

Product Minimum To Open Minimum Balance to Earn APY Dividend Rate APY
6 Month $500 n/a 0.60% 0.60%
12 Month $500 n/a 1.24% 1.25%
18 Month $500 n/a 1.34% 1.35%
19 Month* $500 n/a 1.89% 1.90%
24 Month $500 n/a 1.49% 1.50%
36 Month $500 n/a 1.39% 1.40%
48 Month $500 n/a 1.64% 1.65%
60 Month $500 n/a 1.99% 2.00%

Fees incurred may reduce earnings on these accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends.

APY = Annual Percentage Yield. The dividend rates and APY are effective as of 4/24/2018 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

*APY (Annual Percentage Yield) is current as of 4/24/18. New money only. Funds must not have been on deposit with Xceed for at least 30 days. $500 minimum balance required to earn the APY and to open the account. Promotional rate valid until $10 million in new share certificates are opened. Offer not valid on business accounts. 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. At maturity, the 19-month certificate, including dividends will automatically renew into an 18-month share certificate or IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us to do otherwise before the end of the grace period. Promotional offer cannot be combined with any other offer. Rates, terms, and conditions subject to change at any time. Ask an associate for details. Rate for M&T Bank is based off of an 18-month certificate of deposit. Sources: https://www.bankofamerica.com/deposits/bank-cds/standard-term-cd/ and https://www.mtb.com/banking/savings-cds/savings-account-cd-options/certificates-of-deposits-cds.