Welcome, Friends of Heal the Bay!

Promotional offers cannot be combined with any other promotional offer or rate. Additional terms, conditions, and restrictions apply. All offers, programs, rates, terms, and conditions are current as of 4/15/2021, and are subject to change at any time without notice. Ask an associate for details.

¹Conforming rates and payments based on a loan amount of $453,100. Certain rate and/or point adjustments may apply depending on loan features. XFCU updates this rate page daily between 6:00-9:00 AM PT on business days. All rates quoted assume a 45-day rate lock. Other rate lock periods are available. Interest rates posted on this sheet are based on a 740 FICO and a purchase of 60% loan to value (LTV) Owner occupied single family residence property in California. Additional fees may apply based on credit score, LTV, property type, occupancy, and cash out refinances.

²Pricing and terms.

³Actual rates may vary based on each individual’s credit history, loan type, and underwriting factors. Subject to credit qualifications and approval. This is not a commitment to lend. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 3/16/2020 and are subject to change at any time without notice. Not all vehicle years, makes, and models will qualify. Not valid on existing Xceed auto loans. Rate cannot be lower than 2.79%. Ask an associate for details.

⁴APY = Annual Percentage Yield. The dividend rates and APY are effective as of 4/15/2021 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

⁵Earn 2x rewards on qualifying travel, dining, gas and grocery purchases, posted beginning 10/1/2019. Purchases must have the required merchant code signifying the transaction for purchases on travel – includes airlines, car rentals and hotels/resorts – (merchant numbers: 3000-3833, 4112, 4121, 4131, 4511, 4722, 4789, 5962, 7011 and 7512), dining (merchant numbers: 5812 and 5814), gas and groceries (merchant numbers: 5411, 5422, 5451, 5499, 5541 and 5542). Transactions within other establishments do not apply. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify for the statement credit offer. To earn a statement credit, each account must remain open, in good standing and not become delinquent. Allow up to two billing cycles for the statement credit to post to your account. All purchases are subject to credit approval. Offers, terms and conditions subject to change at any time without notice. This is a limited time offer. Some restrictions may apply.

⁶Program and rewards, including the Cash-Back bonus, are provided by Cartus Corporation and made available to Xceed Financial Federal Credit Union members. The Cash-Back bonus is offered in most states. The Cash-Back bonus is only available with the purchase and/or sale of your home through the use of a program-recommended real estate agent. Customers are not required to receive financing from Xceed Financial Federal Credit Union in order to receive benefits of this program. All real estate commissions are negotiable. Other terms and conditions may apply. Please check with an Xceed Mortgage Loan Officer for details.