XCEED FINANCIAL CREDIT UNION IN CALIFORNIA

Additional terms, conditions, and restrictions apply. Offers, programs, rates, terms, and conditions are current as of 12/13/2019 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 11/23/2019, 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.