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Rates

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Checking

Accounts

Minimum to Open

Minimum Balance to Earn APY

Dividend Rate

APY1

¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 9/5/2018 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.

Accounts

Signature Checking

Minimum to Open

$0

Minimum Balance to Earn APY

$0 - $49,999.99

Dividend Rate

0.05%

APY1

0.05%

Accounts

Signature Checking

Minimum to Open

$0

Minimum Balance to Earn APY

$50,000 - $99,999.99

Dividend Rate

0.05%

APY1

0.05%

Accounts

Signature Checking

Minimum to Open

$0

Minimum Balance to Earn APY

$100,000 - $249,999.99

Dividend Rate

0.05%

APY1

0.05%

Accounts

Signature Checking

Minimum to Open

$0

Minimum Balance to Earn APY

$250,000 - $499,999.99

Dividend Rate

0.10%

APY1

0.10%

Accounts

Signature Checking

Minimum to Open

$0

Minimum Balance to Earn APY

$500,000 and over

Dividend Rate

0.10%

APY1

0.10%

Savings

Accounts

Minimum to Open

Minimum Balance to Earn APY

Dividend Rate

APY1

¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 10/1/2018 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.

Accounts

Regular Savings and Access Account

Minimum to Open

$5

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY1

0.05%

Accounts

Club Accounts

Minimum to Open

$1

Minimum Balance to Earn APY

$1

Dividend Rate

0.05%

APY1

0.05%

Accounts

Minor Savings

Minimum to Open

$5

Minimum Balance to Earn APY

$50

Dividend Rate

0.05%

APY1

0.05%

Share Certificates

Term

Minimum to Open

Minimum Balance to Earn APY

Dividend Rate

APY1

 

¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 10/9/2018 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

Term

6 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

1.24%

APY1

1.25%

Term

12 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

1.99%

APY1

2.00%

Term

18 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.23%

APY1

2.25%

Term

24 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.48%

APY1

2.50%

Term

36 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.72%

APY1

2.75%

Term

48 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.87%

APY1

2.90%

Term

60 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.97%

APY1

3.00%

Money Market Accounts

Accounts

Minimum to Open

Minimum to Balance to Earn APY

Dividend Rate

APY1

 

¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 10/1/2018 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.

Accounts

Prime Money Market

Minimum to Open

$1,000

Minimum to Balance to Earn APY

$1,000

Dividend Rate

0.25%

APY1

0.25%

Accounts

Executive Money Market

Minimum to Open

$10,000

Minimum to Balance to Earn APY

$10,000 - $49,999.99

Dividend Rate

0.35%

APY1

0.35%

Accounts

Executive Money Market

Minimum to Open

$10,000

Minimum to Balance to Earn APY

$50,000 - $99,999.99

Dividend Rate

0.50%

APY1

0.50%

Accounts

Executive Money Market

Minimum to Open

$10,000

Minimum to Balance to Earn APY

$100,000 - $249,999.99

Dividend Rate

0.80%

APY1

0.80%

Accounts

Executive Money Market

Minimum to Open

$10,000

Minimum to Balance to Earn APY

$250,000 +

Dividend Rate

1.19%

APY1

1.20%

Health Savings Accounts

Minimum to Open

Minimum Balance to Earn APY*

Dividend Rate

APY1

¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 8/31/2016 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.

Minimum to Open

$0

Minimum Balance to Earn APY*

$0.00

Dividend Rate

0.25%

APY1

0.25%

IRA Savings Accounts

Minimum to Open

Minimum Balance to Earn APY

Dividend Rate

APY1

¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 8/31/2016 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.

Minimum to Open

$0

Minimum Balance to Earn APY

$0-$99.99

Dividend Rate

0.25%

APY1

0.25%

Minimum to Open

$0

Minimum Balance to Earn APY

$25,000 - $49,999.99

Dividend Rate

0.25%

APY1

0.25%

Minimum to Open

$0

Minimum Balance to Earn APY

$50,000 - $99,999.99

Dividend Rate

0.25%

APY1

0.25%

Minimum to Open

$0

Minimum Balance to Earn APY

$100,000 and over

Dividend Rate

0.25%

APY1

0.25%

IRA Share Certificates

Term

Minimum to Open

Minimum Balance to Earn APY

Dividend Rate

APY1

 

¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 10/9/2018 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time.

Term

6 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

1.24%

APY1

1.25%

Term

12 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

1.99%

APY1

2.00%

Term

18 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.23%

APY1

2.25%

Term

24 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.48%

APY1

2.50%

Term

36 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.72%

APY1

2.75%

Term

48 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.87%

APY1

2.90%

Term

60 Month

Minimum to Open

$500

Minimum Balance to Earn APY

N/A

Dividend Rate

2.97%

APY1

3.00%

 

Xceed Visa Platinum Card

Credit Card Type

Intro APR

Annual Percentage Rate (APR As Low As)1

¹Variable 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; 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 7/23/2018 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.

Credit Card Type

Xceed Visa® Platinum Card (without Rewards)

Intro APR

4.99%

Annual Percentage Rate (APR As Low As)1

9.74%

Credit Card Type

Xceed Visa® Platinum Card (with Rewards)

Intro APR

4.99%

Annual Percentage Rate (APR As Low As)1

12.74%

The quotes below are only a sample of the wide variety of loan programs and rates available. Please use the Check Rates feature of our home loans website to view a variety of loan programs and rates applicable to your financing needs.

Mortgage Loans

Loan Type

Rate

Points

APR

Payment

Conforming 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.

Loan Type

30 Year Fixed Fannie Mae

Rate

4.875%

Points

0.125

APR

5.125%

Payment

$2,398

Loan Type

15 Year Fannie Mae

Rate

4.375%

Points

-0.125

APR

4.536%

Payment

$3,437

Loan Type

10 Year Fixed Fannie Mae

Rate

4.375%

Points

-0.375

APR

4.531%

Payment

$4,669

Loan Type

7 Year ARM

Rate

4.375%

Points

0.125

APR

4.991%

Payment

$2,262

Loan Type

5 Year ARM

Rate

4.250%

Points

0

APR

5.020%

Payment

$2,229

20 Year Home Equity Loan

Rates

Points

APR

Payment

XFCU updates this rate page daily between 6:00-9:00 a.m. PT on business days. 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.

Rates

6.500%

Points

0

APR

6.473%

Payment

$746

Home Equity Line of Credit

Rates

Points

APR

Payment

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 9/27/2018, 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.

Rates

6.500%

Points

0

APR

6.500%

Payment

$542

 

Auto Loans

Loan Type and Term

Annual Percentage Rate (APR As Low As)1

Payment Per $1,000

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial Signature or Simplicity Checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 10/10/2018 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.

Loan Type and Term

New Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.00%

Payment Per $1,000

$29.23

Loan Type and Term

New Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.25%

Payment Per $1,000

$22.39

Loan Type and Term

New Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.50%

Payment Per $1,000

$18.34

Loan Type and Term

New Auto – 72 months

Annual Percentage Rate (APR As Low As)1

3.65%

Payment Per $1,000

$15.63

Loan Type and Term

New Auto – 84 months

Annual Percentage Rate (APR As Low As)1

3.75%

Payment Per $1,000

$13.70

Loan Type and Term

Used Auto – 36 months

Annual Percentage Rate (APR As Low As)1

3.35%

Payment Per $1,000

$29.39

Loan Type and Term

Used Auto – 48 months

Annual Percentage Rate (APR As Low As)1

3.60%

Payment Per $1,000

$22.55

Loan Type and Term

Used Auto – 60 months

Annual Percentage Rate (APR As Low As)1

3.85%

Payment Per $1,000

$18.50

Loan Type and Term

Used Auto – 72 months

Annual Percentage Rate (APR As Low As)1

4.00%

Payment Per $1,000

$15.79

Loan Type and Term

Used Auto – 84 months

Annual Percentage Rate (APR As Low As)1

4.10%

Payment Per $1,000

$13.86

Other Vehicle Loans

Loan Type

Interest Rate As Low As

Annual Percentage Rate as Low As1

¹The Annual Percentage Rate (APR) may vary based on each individual’s credit history, loan type, loan amount, loan collateral, and underwriting factors. Subject to credit qualifications and approval. The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial checking account. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 8/20/2018 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.

Loan Type

Boat (new)

Interest Rate As Low As

6.54%

Annual Percentage Rate as Low As1

6.54%

Loan Type

Boat (used)

Interest Rate As Low As

7.54%

Annual Percentage Rate as Low As1

7.54%

Loan Type

Motorcycle (new)

Interest Rate As Low As

4.69%

Annual Percentage Rate as Low As1

4.69%

Loan Type

Motorcycle (used)

Interest Rate As Low As

4.79%

Annual Percentage Rate as Low As1

4.79%

Loan Type

RV (new)

Interest Rate As Low As

7.49%

Annual Percentage Rate as Low As1

7.49%

Loan Type

RV (used)

Interest Rate As Low As

7.59%

Annual Percentage Rate as Low As1

7.59%

Personal Loans

Loan Type

Annual Percentage Rate (APR As Low As)1

¹Actual 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 9/28/2018 and are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.

²The APR reflects an interest rate reduction of .25% off the standard rate for automatic payment from an Xceed Financial checking account.

³The 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.

Loan Type

Consolidation Loan2

Annual Percentage Rate (APR As Low As)1

7.39%

Loan Type

MemberFirst2

Annual Percentage Rate (APR As Low As)1

7.39%

Loan Type

PowerLine of Credit3

Annual Percentage Rate (APR As Low As)1

13.25%

Loan Type

Savings Secured

Annual Percentage Rate (APR As Low As)1

Dividend Rate +3%

Loan Type

Certificate Secured

Annual Percentage Rate (APR As Low As)1

Dividend Rate +3%

Business Savings

Accounts

Minimum to Open1

Minimum Balance to Earn APY

Dividend Rate

APY2

APY = Annual Percentage Yield. The dividend rates and APY are effective as of 10/1/2018 and are determined by the Board of Directors. Fees incurred may reduce earnings on these accounts. Rates, terms and conditions subject to change at any time. Please ask an Xceed Financial associate for details.

¹$100 minimum daily balance required to avoid monthly fee.

²The dividend rates and APY may change after the account is opened and are accurate as of the last dividend declaration date.

Accounts

Business Savings

Minimum to Open1

$100

Minimum Balance to Earn APY

$100

Dividend Rate

0.05%

APY2

0.05%

Business Share Certificates

Certificate Type1

Minimum to Open

Dividend Rate

APY2

APY = Annual Percentage Yield. The dividend rates and APY are effective as of 10/9/2018 and are determined by the Board of Directors. Fees incurred may reduce earnings on these accounts. Rates, terms and conditions subject to change at any time. Please ask an Xceed Financial associate for details.

¹There is a penalty for early (premature) withdrawal of certificate funds other than dividends.

²The dividend rates and APY may change after the account is opened and are accurate as of the last dividend declaration date.

Certificate Type1

1 Month

Minimum to Open

$500

Dividend Rate

0.01%

APY2

0.01%

Certificate Type1

3 Month

Minimum to Open

$500

Dividend Rate

0.05%

APY2

0.05%

Certificate Type1

6 Month

Minimum to Open

$500

Dividend Rate

1.24%

APY2

1.25%

Certificate Type1

12 Month

Minimum to Open

$500

Dividend Rate

1.99%

APY2

2.00%

Certificate Type1

24 Month

Minimum to Open

$500

Dividend Rate

2.48%

APY2

2.50%

Business Money Market Accounts

Accounts

Minimum to Open1

Minimum Balance to Earn APY

Dividend Rate

APY2

APY = Annual Percentage Yield. The dividend rates and APY are effective as of 10/9/2018 and are determined by the Board of Directors. Fees incurred may reduce earnings on these accounts. Rates, terms and conditions subject to change at any time. Please ask an Xceed Financial associate for details.

¹$1,000 minimum daily balance required to avoid monthly fee.

²The dividend rates and APY may change after the account is opened and are accurate as of the last dividend declaration date.

Accounts

Business Money Market

Minimum to Open1

$1,000

Minimum Balance to Earn APY

$0 - $999.99

Dividend Rate

0.25%

APY2

0.25%

Accounts

Business Money Market

Minimum to Open1

$1,000

Minimum Balance to Earn APY

$1,000 - $14,999.99

Dividend Rate

0.25%

APY2

0.25%

Accounts

Business Money Market

Minimum to Open1

$1,000

Minimum Balance to Earn APY

$15,000 - $49,999.99

Dividend Rate

0.35%

APY2

0.35%

Accounts

Business Money Market

Minimum to Open1

$1,000

Minimum Balance to Earn APY

$50,000 - $99,999.99

Dividend Rate

0.50%

APY2

0.50%

Accounts

Business Money Market

Minimum to Open1

$1,000

Minimum Balance to Earn APY

$100,000 and over

Dividend Rate

0.80%

APY2

0.80%

The Cummings family discusses Xceed's amazing service and rates for auto loans

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