Share Certificates

Fixed Rates, Steady Returns.

Open a new 13-month promotional share certificate and enjoy a market-leading 2.50% APY.¹

We’re making 13 your lucky number with our new market-leading promotional share certificate!

Whether you’re saving for a rainy day or just looking for a safe spot to park some cash for the short-term, this special certificate is one more great reason to move more of your money to Xceed.

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

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

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

¹APY (Annual Percentage Yield) is current as of 8/1/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA share certificate promotional rate valid until $10 million in new certificates is opened or 9/30/18, whichever occurs first. 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 13-month share or IRA share certificate, including dividends, will automatically renew into a 12-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.

Open a new 13-month promotional IRA share certificate and enjoy a market-leading 2.50% APY.¹

We’re making 13 your lucky number with our new marketing-leading promotional IRA share certificate!

Whether you’re saving for a rainy day or just looking for a safe spot to park some cash for the short-term, this special IRA certificate is one more great reason to move more of your money to Xceed.

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

  • 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

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

¹APY (Annual Percentage Yield) is current as of 8/1/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA share certificate promotional rate valid until $10 million in new certificates is opened or 9/30/18, whichever occurs first. 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 13-month share or IRA share certificate, including dividends, will automatically renew into a 12-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.

Product Minimum To Open Minimum Balance to Earn APY Dividend Rate APY
6 Month $500 n/a 1.24% 1.25%
12 Month $500 n/a 1.74% 1.75%
13 Month (Promo)* $500 n/a 2.48% 2.50%
18 Month $500 n/a 1.84% 1.85%
24 Month $500 n/a 1.99% 2.00%
36 Month $500 n/a 2.23% 2.25%
48 Month $500 n/a 2.48% 2.50%
60 Month $500 n/a 2.72% 2.75%

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 8/1/2018 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 8/1/18. $500 minimum balance required to earn the APY and to open the account. Share and IRA share certificate promotional rate valid until $10 million in new certificates is opened or 9/30/18, whichever occurs first. 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 13-month share or IRA share certificate, including dividends, will automatically renew into a 12-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.