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XCEED FINANCIAL CREDIT UNION IN CALIFORNIA

Enjoy the perks of banking with Xceed Financial!

Exclusive discounts and promotions on loans and checking and savings accounts

$200 Checking Bonus

Want to do more with what you earn? Get $200 when you open a new dividend-bearing Signature Checking Account.1,2

Compare checking accounts »

Open your Signature Checking account »

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Save Up to $400 on a New Mortgage Loan

For a limited time, we’re offering up to a $400 discount on the processing fee for new mortgage loan.1,3 Call (877) 923-3311 to talk to one of our mortgage loan officers, or contact us online.

Contact a mortgage loan officer »

Apply for a home loan »

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Great Rates, Just for You

Take advantage of special rate increases on Certificates and discounts on Auto Loans and select Home Loans.

0.50% rate increase on our certificates

Receive a 0.50% dividend rate increase on our current certificate rates when you choose a term of 12 months or longer.1,4

View our current share certificate rates »

Contact us to open a certificate

0.50% rate discount on our auto loans

Get a 0.50% interest rate discount on our already low auto loan rates with autopay from an Xceed Signature Checking Account.1,5

View our current auto loan rates »

Apply for an auto loan

Top-notch financial benefits

Personalized support and competitive rates on loans, checking, and savings accounts. That’s Xceed.
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Your Personal Banker

Hey, we live here, too, so we know how unique people here tend to be. That’s why we can match you with your own Personal Banker.

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Wide Range of Services

Checking and savings accounts. Home and auto loans. Online and mobile banking. Xceed offers comprehensive financial services to help you thrive.

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Here When You Need Us

We’re here to help you at every stage of life. We’re especially good at helping you plan for retirement.

Schedule your personal financial check-up »

0.25% Rate Discount on HELOCs and Home Equity Loans

Get a 0.25% interest rate discount on a Home Equity Line of Credit (HELOC) or Home Equity Loan (HEL) with autopay from an Xceed Signature or Simplicity Checking Account.1,6

Get current HELOC and Home Equity Loan rates »

Apply now for a HELOC or Home Equity Loan »

Get Up to $200 for You and $200 for a Friend

When a friend you refer opens a new membership account with Xceed, you and your friend will both receive bonuses deposited to your accounts—up to $200 for you and $200 for your friend!8 The best part? There’s no limit to the number of friends you can refer or rewards you can receive.

Refer a friend today »

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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
Visit your nearest Financial Center
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The Cummings family discusses Xceed's amazing service and rates for auto loans

Additional terms, conditions, and restrictions apply. Offers, programs, rates, terms, and conditions are current as of 8/23/2019 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.

1To qualify for the offer, you must open your new Signature Checking account during the promotional period, be a member in good standing, be signed up for Xceed Online with eStatements, have direct deposits of at least $1,000 per month to your Xceed Signature Checking account (or receive full net payroll direct deposit in an Xceed Signature checking account validated by providing Xceed a copy of paystub) evidenced by two consecutive months of ACH payroll deposits within the first 90 days of account opening. Promotional offers cannot be combined with any other promotional offer or rate. Offer not valid to members with existing Xceed Signature Checking account with direct deposits, individuals that have received a similar promotion in the last 12 months, or individuals that closed their Xceed Signature Checking account within 90 days prior to the promotion. If the Signature Checking account is closed by the member or Xceed within six months after opening, Xceed will deduct the bonus amount from that account at closing.

2If eligible, 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 the IRS Form 1099-INT. All new account applicants are verified through ChexSystems, must qualify for membership and must open a primary share savings account with a deposit of $5 for membership (easy to join, just ask us!). 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 are effective as of July 22, 2019, may change after the account opened, are accurate as of the last dividend declaration date, and are determined by the Board of Directors. Fees incurred could reduce earnings on these accounts.

3The standard processing fee is waived only for Xceed purchase and refinance mortgage applications. Discount on processing fee cannot exceed $400. This includes pre-approval applications to shop for a home but the purchase loan must be closed within 90 days of the application date.

4Offer available for one Share or IRA Share Certificate only and must be opened within 90 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.

5Not all vehicle years, makes, and models will qualify. Not valid on existing Xceed auto loans. Rate cannot be lower than 2.99%. Promotional offer available for one auto loan only and must be applied within 90 days of opening membership.

6Not valid on existing Xceed HELOC or HEL. Rate cannot be lower than the applicable note floor rate.

7Pricing and terms.

8$100 (or $200) Referring Member Bonus: To qualify for the $100 referring member bonus, the referring member must be an existing Xceed member in good standing, the referral must have been submitted through the Xceed BankingWorthSharing.com microsite during the promotional period, and the new referred member account must be open for 90 days. The referring member would also receive an additional $100 referring member bonus for a total of $200 if the referring member is signed up for online banking with eStatements and is receiving a direct deposit of at least $1,000 per month in an Xceed Signature checking account (or is receiving full net payroll direct deposit in an Xceed Signature checking account validated by providing Xceed a copy of paystub) evidenced by two consecutive months of ACH payroll deposits. Limit one referring member bonus per referred member. No limit to how many new members can be referred. If eligible, the $100 or $200 bonus will be credited to the referring member’s account within 30 days after the referred member account has been open for 90 days. Total referral bonuses equal to $600 or more will be reported on the IRS Form 1099-MISC. $200 Referred Member Bonus: Existing members who open new accounts do not qualify for the $200 bonus. To receive the $200 bonus, new referred members must: (1) open their Xceed Signature Checking account during the promotional period, (2) maintain the new account active and in good standing for at least 90 days, (3) sign up for online banking with eStatements, and (4) have direct deposits of at least $1,000 per month to the account (or receive full net payroll direct deposit in an Xceed Signature checking account validated by providing Xceed a copy of paystub) evidenced by two consecutive months of ACH payroll deposits within the first 90 days of account opening. If eligible, the $200 bonus will be credited within 30 days after the account has been open for 90 days. If the Signature Checking account is closed by the member or Xceed within six months after opening, Xceed will deduct the bonus amount from that account at closing. The $200 will be considered as dividends and will be reported on the IRS Form 1099-INT. All new account applicants are verified through ChexSystems, must qualify for membership and must open a primary share savings account with a deposit of $5 for membership (easy to join, just ask us!). 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 8/12/2019, 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.

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