Rates

Save More Money.

Whether you're looking to stash more away for a rainy day, own your home or auto, or just conduct day-to-day business, Xceed Financial has the products you need at competitive rates that could help you reach your goals faster.

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 0.25% 0.25%
12 Month $500 n/a 0.55% 0.55%
18 Month $500 n/a 0.65% 0.65%
24 Month $500 n/a 0.75% 0.75%
36 Month $500 n/a 0.85% 0.85%
36 Month Variable* $10,000 n/a 1.27% 1.28%
48 Month $500 n/a 1.15% 1.15%
60 Month $500 n/a 1.49% 1.50%

 

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 8/3/2016 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

*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%

 

Fees incurred may reduce earnings on these accounts. 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 8/3/2016 and are determined by the Board of Directors. Fees incurred may reduce earnings on these accounts. Rates, terms and conditions are subject to change at any time.

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

 

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%

 

Fees incurred may reduce earnings on these accounts. 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 8/1/2016 and are determined by the Board of Directors. Fees incurred may reduce earnings on these accounts. Rates, terms and conditions are subject to change at any time.

1The 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 4.00%, Variable*

*Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The maximum allowable APR is 18%. You may pay certain fees to third parties to open the plan, such as government agencies. These fees generally total between $200 and $3,000. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. A $250 Processing Fee is due at closing. 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 8/1/2016, 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) 9.24%
Xceed Visa® Platinum Card (with Rewards) 14.24%

 

*Variable rate loans may adjust monthly based on the prime rate (index) plus a margin. The APRs do not reflect introductory rates that may apply. New credit card accounts are subject to credit qualifications and approval. Actual rates and loan limits are based on applicants' credit score and verifiable income. Xceed Financial loan limits and underwriting guidelines will be followed. The following additional finance charges may apply, depending on the type of transaction: For balance transfer transactions – a Balance Transfer Fee of $29 or 3% of the balance transfer amount, whichever is greater (maximum fee: $100); for cash advance transactions – a Cash Advance Fee - Domestic of $10 or 3% of the cash advance amount, whichever is greater or a Cash Advance Fee - Foreign of $10 or 4% of the foreign cash advance amount, whichever is greater; for foreign purchase transactions – a Foreign Transaction Fee - Purchases of 1% of each foreign transaction (in U.S. dollars). If you are charged interest, the charge will be no less than $1.00. Other terms and conditions apply. Programs, rates, terms, and conditions are effective as of 8/1/2016 and are subject to change at any time. Ask an associate for details. Xceed Financial Federal Credit Union ("Xceed Financial") is an equal opportunity lender.

 

Vehicle Loans*

Loan Type Interest Rate (as low as) Annual Percentage Rate (APR as low as)
Auto (new) ** 1.75% 1.75%
Auto (used) ** 2.49% 2.49%
Boat (new) ** 5.14% 5.14%
Boat (used) ** 5.64% 5.64%
Motorcycle (new) ** 4.29% 4.29%
Motorcycle (used) ** 4.79% 4.79%
RV (new) ** 6.99% 6.99%
RV (used) ** 6.99% 6.99%

 

*The Annual Percentage Rate (APR) may vary based on each individual's credit history, loan type, loan amount, 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 8/1/2016 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.

**Reflects an interest rate reduction of .35% off the standard rate for automatic payment from an Xceed Financial checking account.

 

Other Product Loans*

Loan Type Annual Percentage Rate (APR as low as)
Consolidation Loan ** 6.99%
MemberFirst ** 6.99%
PowerLine of Credit *** 8.75%
Savings Secured Dividend Rate +3%
Certificate Secured Dividend Rate +3%

 

*Actual 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 8/1/16 and are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.

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

***The 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.