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
Great Rates, Just for You
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.1,3
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.1,4
Top-notch financial benefits
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Share Certificates
As high asInvest todayMore details »1.50
%APY1,3 -
Auto Loans
As low asApply todayMore details »2.79%APR1,4 -
HELOCs
As low asApply todayMore details »3.500
%APR1,5 -
Credit Cards
As low asApply nowMore details »7.99%APR6
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.
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.
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.
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.1,5
Xtraordinary Moment
- 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
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 7/08/2020 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.
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.
3Offer 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.
4Not all vehicle years, makes, and models will qualify. Not valid on existing Xceed auto loans. Rate cannot be lower than 2.79%. Promotional offer available for one auto loan only and must be applied within 90 days of opening membership.
5Not valid on existing Xceed HELOC or HEL. Rate cannot be lower than the applicable note floor rate.