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 12/05/2019, 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 11/23/2019 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 2.99%. Ask an associate for details.

⁴APY = Annual Percentage Yield. The dividend rates and APY are effective as of 11/23/2019 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

⁵20,000 bonus points offer is only applicable to new Xceed Platinum Visa with Rewards Credit Card accounts opened after June 15, 2017. $200 statement credit offer is only applicable to new Xceed Platinum Visa Credit Card accounts (no Rewards) opened after April 2, 2018. Earn a $200 statement credit (non-Rewards card) or 20,000 bonus points (Rewards card) on qualifying purchases by spending $3,000 on your Xceed Credit Card within the first 90 days of opening. Subject to credit approval for qualifying purchases. Purchase requirements and exclusions may apply. Limit one statement credit/points bonus per person. The following types of transactions don’t qualify as purchases to earn the $200 statement credit or 20,000 bonus points: convenience checks; balance transfers; account transfers; card reissues; cash advances and similar cash-like transactions; interest and account fees; unauthorized charges; and items returned for credit. Statement credit or bonus points will be applied to qualifying accounts in good standing within 4-8 weeks of promotion end date.

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.

⁷$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, and the referral must have been submitted by December 31, 2019, through the Xceed BankingWorthSharing.com microsite or the official Banking Worth Sharing form. The referring member would also receive an additional $100 referring member bonus for a total of $200 if the referring member has an active Xceed Visa^® debit card, has signed up for online banking with eStatements, and is receiving a direct deposit of at least $500 per month in an Xceed Signature checking account (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. 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 open their Xceed Signature Checking account by December 31, 2019, maintain the new account active and in good standing for at least 90 days, have direct deposits of at least $500 per month to the account (evidenced by two consecutive months of ACH payroll deposits within the first 90 days of account opening), is signed up for online banking with eStatements, sign up for overdraft protection, and have a Visa® Platinum debit card issued. 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. 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. Cannot combine with any other offer. Fees incurred could reduce earnings on these accounts.