Rates

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Share and Checking Dividend Rates

Share Certificates and IRA Share Certificates

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 1.00% 1.00%
15 Month $500 n/a 1.15% 1.15%
18 Month $500 n/a 0.40% 0.40%
19 Month^ $500 n/a 1.18% 1.19%
24 Month $500 n/a 0.50% 0.50%
36 Month $500 n/a 0.70% 0.70%
36 Month Variable* $10,000 n/a 0.98% 0.98%
48 Month $500 n/a 0.75% 0.75%
60 Month $500 n/a 2.03% 2.05%

Fees incurred may reduce earnings on these accounts. There is a substantial penalty for early (premature) withdrawal of certificate funds other than dividends.

APY = Annual Percentage Yield. The dividend rates and APY are effective as of 5/20/2015 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

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

* The dividend rate and APY may change after the account is opened.

Money Market1

Product Minimum To Open Minimum Balance to Earn APY Dividend Rate APY
Prime Money Market $1,000 $1,000 0.05% 0.05%
Executive Money Market < $50,000 $0 - $49,999.99 0.05% 0.05%
$50,000 + $50,000 - $100,000 0.25% 0.25%
$100,000 + $100,000 + 0.35% 0.35%

Capital Money Market and Jumbo Money Market are no longer available as a new product.

APY = Annual Percentage Yield. The dividend rates and APY are effective as of 5/20/2015 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

Checking/Savings1

Product Minimum To Open Minimum Balance to Earn APY Dividend Rate APY
Savings, Club and Access Accounts $5 $100 0.05% 0.05%
Minor Savings $5 $50 0.05% 0.05%
SeekMore Checking $0 $0 - $49,999.99 0.05% 0.05%
$50,000 - $99,999.99 0.05% 0.05%
$100,000-249,999.99 0.05% 0.05%
$250,000-499,999.99 0.10% 0.10%
$500,000 and over 0.10% 0.10%
Basic Checking $100 ($0 with direct deposit) Non-Dividend Bearing 0.00% 0.00%
Health Savings Accounts $0 $0.00 0.25% 0.25%
IRA Savings Accounts $0 $0-$99.99 0.25% 0.25%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 and over 0.25% 0.25%

Checking Plus no longer available as a new product. Platinum Checking no longer available as a new product.

APY = Annual Percentage Yield. The dividend rates and APY are effective as of 5/20/2015 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

1 The dividend rates and APY may change after the account is opened and are accurate as of the last dividend declaration date.

Loan Products

Mortgage

Term: Terms vary
Annual Percentage Rate (APR): See current rates

Actual rates may vary based on credit history, term, loan amount, and underwriting factors. Credit and collateral are subject to approval. This is not a commitment to lend. Xceed Financial loan limits, collateral requirements, and underwriting guidelines will be followed. Programs, rates, terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.

Home Equity Loan

Term: Terms vary
Annual Percentage Rate (APR): See current rates

Actual rates may vary based on credit history, term, loan amount, and underwriting factors. Credit and collateral are subject to approval. This is not a commitment to lend. Xceed Financial loan limits, collateral requirements, and underwriting guidelines will be followed. Programs, rates, terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.

Home Equity Line of Credit

Annual Percentage Rate (APR): As low as 2.75%, Variable*

*Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable APR is 18%. The 2.75% APR reflects a rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial checking account. You may pay certain fees to third parties to open the plan. These fees generally total between $200 and $1,500. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. A minimum initial advance of at least $15,000 is required at the time the loan is open in order to have third party fees waived. If you close your HELOC within 24 months you are subject to pay the lesser of your actual closing costs or $250. A $75 Inactivity Fee will be assessed each subsequent anniversary year in which you do not maintain an outstanding principal balance during any portion of 2 consecutive billing cycles. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms, and conditions are effective as of 1/16/2015, may vary based on creditworthiness, qualifications and collateral conditions, and are subject to change at any time without notice. Property insurance is, and flood insurance may, be required and are not included in closing costs. Additional terms, conditions, and restrictions apply.

Xceed Visa® Platinum Card

Credit Card Type Annual Percentage Rate (APR as low as)
Xceed Visa® Platinum Card (without Rewards) 8.99%
Xceed Visa® Platinum Card (with Rewards) 13.99%

*Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. Subject to credit qualifications and approval. Actual rates and loan limits are based on applicants' credit score and verifiable income. The following additional finance charges may apply, depending on the type of transaction: For balance transfer transactions – a Balance Transfer Fee of $10 or 3% of the balance transfer amount, whichever is greater (maximum fee: $100); cash advance transactions – a Cash Advance Fee of $10 or 3% of the cash advance amount, whichever is greater; for foreign transactions – a Foreign Transaction Fee of 1% of each foreign transaction (in U.S. dollars). If you are charged interest, the charge will be no less than $1.00. Programs, rates, terms, and conditions are effective as of 7/25/2014, may vary based on creditworthiness and qualifications, and are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.

Vehicle Loans1

Loan Type Annual Percentage Rate (APR as low as)
Auto (new) 1.75%
Auto (used) 1.99%
Boat (new) 5.14%
Boat (used) 5.64%
RV (new and used) 6.99%
Motorcycle (new) 4.29%
Motorcycle (used) 4.79%

1Actual rates may vary based each individual's credit history, loan type, and underwriting factors. Subject to credit qualifications and approval. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 2/9/2015 and are subject to change at any time without notice. Not all vehicle years, makes and models will qualify. Additional terms, conditions, and restrictions apply.

2The APR reflects a rate reduction of .35% off the standard rate for automatic payment from an Xceed Financial checking account.

Other Product Loansa

Loan Type Annual Percentage Rate (APR as low as)
Consolidation Loan 6.99%
MemberFirst 6.99%
PowerLine of Credit 8.50%
Stocks/Bonds (fixed) 8.85%
Stocks/Bonds (variable) 12.85%
Savings Secured Dividend Rate +3%
Certificate Secured Dividend Rate +3%

aActual rates may vary based each individual's credit history, loan type, and underwriting factors. Subject to credit qualifications and approval. Programs, rates, terms and conditions are effective as of 6/6/2014 and are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.

bThe APR reflects a rate reduction of .35% off the standard rate for automatic payment from an Xceed Financial checking account.

cThe variable annual percentage rate (APR) may adjust monthly based on the Prime Rate (index) plus a margin and may vary based each individual's credit history and underwriting factors.