Share Certificates

Guaranteed, Steady Returns.

Competitive share certificate rates can build your savings and diversify your portfolio. For a limited time, we're making it easy for you to start a new savings plan, because we're offering promotional rates on share and IRA share certificates. A minimum deposit of $500 is required.

  • 6 months at .50% APY1
  • 7 months at .70% APY1,2,4
  • 12 months at .90% APY1
  • 60 months at 2.05% APY1

Don't miss this opportunity!

Throughout the year, our Share Certificates provide high-yield savings through guaranteed rates with a variety of term options.

  • Open with as little as $500
  • Dividends paid quarterly
  • Transfer dividends to your personal checking or savings
CERTIFICATE TYPETERMMINIMUM TO OPEN
6 Month Certificate 6 Month Term $500
7 Month Certificate^ 7 Month Term $500
12 Month Certificate 12 Month Term $500
15 Month Certificate 15 Month Term $500
18 Month Certificate 18 Month Term $500
19 Month Certificate^ 19 Month Term $500
24 Month Certificate 24 Month Term $500
36 Month Certificate 36 Month Term $500
48 Month Certificate 48 Month Term $500
60 Month Certificate 60 Month Term $500
30 - 180 Day Jumbo Certificates 30 - 180 Day Terms $50,000
12 Month Jumbo Certificate 12 Month Term $100,000

Please refer to our disclosures for details on accounts, products, and services' terms and conditions, including, but not limited to charges, fees, and waivers. Rates, terms, and conditions are subject to change at any time.

1APY (Annual Percentage Yield) is current as of 10/23/2014. $500 minimum balance required to earn the APY and to open the account. Personal accounts only. No additional deposits accepted during certificate term. Fees incurred may reduce earnings on accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends. Rates, terms, and conditions subject to change at any time. Ask an associate for details.

2At maturity, the 7-month certificate, including dividends, will automatically renew into a 6-month share certificate account or 6-month IRA share certificate account (as applicable) at the then current rate and terms, unless you instruct us otherwise in person or in writing before the end of the grace period.

4New money only. Source of funds on deposit(s) into certificate may not be from an existing Xceed Financial Federal Credit Union account. Certificate is a promotional product and may be discontinued at any time. Certificate may not be used as collateral.

^ New money only. Source of funds on deposit(s) into certificate may not be from an existing Xceed Financial Federal Credit Union account.

Make your retirement dreams a reality. We offer a wide variety of Individual Retirement Accounts (IRAs) to help you achieve your goals.

  • Traditional or Roth
  • Annual contributions may be tax-deductible or tax-free
  • Withdrawals at age 59½ and older may be penalty-free
  • Funds are NCUA-insured up to $250,000
  • Dividends paid quarterly
Product Minimum To Open Minimum Balance to Earn APY Dividend Rate APY
6 Month $500 n/a 0.50% 0.50%
7 Month^ $500 n/a 0.70% 0.70%
12 Month $500 n/a 0.90% 0.90%
15 Month $500 n/a 0.40% 0.40%
18 Month $500 n/a 0.40% 0.40%
19 Month^ $500 n/a 1.09% 1.10%
24 Month $500 n/a 0.50% 0.50%
36 Month $500 n/a 0.70% 0.70%
48 Month $500 n/a 0.75% 0.75%
60 Month $500 n/a 2.03% 2.05%
30 Day Jumbo $50,000 n/a 0.05% 0.05%
90 Day Jumbo $50,000 n/a 0.05% 0.05%
180 Day Jumbo $50,000 n/a 0.05% 0.05%
12 Month Jumbo $100,000 n/a 0.40% 0.40%
^ New money only. Source of funds on deposit(s) into certificate may not be from an existing Xceed Financial Federal Credit Union account.