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My savings

Which account is right for me?

Account type Best if you … APY1
Regular Savings
Best if you …

Want a basic account for everyday saving

  • Open with a $5 minimum deposit
  • Earn quarterly dividends on balances of $100 or more
Club Account
Best if you …

Want to save for a goal, like a vacation, special purchase or downpayment

  • Open with a $5 minimum deposit
  • Earn quarterly dividends on balances of $1 or more
  • One free account withdrawal per quarter
Minor Savings
Best if you …

Want a savings account for members under 18 years old

  • Open with a $5 minimum deposit
  • No monthly service charge with parent or legal guardian required as joint owner
  • Earn quarterly dividends on balances of $50 or more
Money Market Account
Best if you …

Want higher dividends with convenient access to your savings


0.15% up to 0.50%

  • Open a Prime Account with a minimum deposit of $1,000
  • Earn higher weekly dividends than our regular savings account with a $1,000 minimum balance
  • Open an Executive account with a minimum deposit of $10,000
  • Earn monthly dividends with rates tiered to earn more on higher balances
  • Six free withdrawals or transfers per month2


What It Comes With

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Effortless Saving

Set up Payroll Deduction, and you can save without even having to think about it.

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Online & Mobile Access

Manage your money online using your desktop, laptop, tablet, or smartphone.

Learn more »

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Banking by Phone

Get free, automated telephone banking, any time, with Xceed On-Call.

Learn more »

Give your little one a promising financial start

When it comes to finances, first steps matter. That’s why we offer a special promotion for our youngest members. When you open a Minor Savings account for a child under the age of one and make a $50 deposit within the first 90 days, we’ll match it.

Open a new minor account »

How it works

  • Get a $50 match from Xceed when you fund your Minor Savings Account with an initial deposit of $50 or more²
  • Available to members less than one year old
  • All other Minor Savings Account terms and conditions apply

Payroll Deduction makes saving effortless.

“Pay yourself first”—so the saying goes. The idea is that if you treat savings like a monthly bill, it’s easier to follow through. Problem is, it doesn’t work unless you choose to do it.

Payroll Deduction changes that.

Contact us to learn more »

How it Works

Set up a Payroll Deduction on your savings account, and the amount you choose will be automatically transferred to your savings, every time you get paid—no willpower required.

Savings Bonds

Xceed Financial members can buy savings bonds directly from the U.S. Treasury through TreasuryDirect℠. You will need the following information to purchase your savings bonds:

  1. Social Security number (Taxpayer Identification Number)
  2. Driver’s license number or state ID and expiration date
  3. Xceed Financial Routing Number (322275490) and your account number
  4. A valid email address
  5. A browser that supports 128-bit encryption (you will need IE 5.01 or later, or Netscape 6.2 or later)

Get in touch

Contact our Financial Consultants if you have any questions about bonds as an investment option or if you need help choosing a bond. Please note, Xceed Financial does not redeem savings bonds.


¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 4/15/2021 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.

²To obtain the $50 Minor Savings Bonus, you must open a new Minor Savings account, make an initial deposit of $50 within the first 90 days, and keep the account open for at least 90 days. The $50 will be credited to the Minor Savings account after the 90-day waiting period. The $50 will be considered as dividends and will be reported on the IRS form 1099-INT. Offer not available to members with existing Minor Savings accounts or who are over one year in age. There is a $5 minimum balance to open the account. APY = Annual Percentage Yield.There is 0.05% APY on balances $50 and over. The APY is effective as of 4/15/2021 and may change after the account is opened. Fees incurred could reduce earnings on the account. Program rates, terms and conditions subject to change at any time. Personal accounts only.

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