Which account is right for me?
|Account type||Best if you …||APY1|
Best if you …
Want a basic account for everyday saving
Best if you …
Want to save for a goal, like a vacation, special purchase or downpayment
Best if you …
Want a savings account for members under 18 years old
|Money Market Account|
Best if you …
Want higher dividends with convenient access to your savings
0.25% up to 2.00%
What It Comes With
Set up Payroll Deduction, and you can save without even having to think about it.
Online & Mobile Access
Manage your money online using your desktop, laptop, tablet, or smartphone.
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 an Account
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.
- MJ Guzman
- 3-Word Description
- Listener. Eager. Execution.
- Restaurant Owner
- FIRST JOB
- In the insurance industry
- MEMBER SINCE
“Knowing there are financial institutions that make financing easier to comprehend and manage.”
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:
- Social Security number (Taxpayer Identification Number)
- Driver’s license number or state ID and expiration date
- Xceed Financial Routing Number (322275490) and your account number
- A valid email address
- A browser that supports 128-bit encryption (you will need IE 5.01 or later, or Netscape 6.2 or later)
Let’s Get Started
¹APY = Annual Percentage Yield. The dividend rates and APY are effective as of 8/12/2019 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.
²Maximum combined number of six withdrawals and/or transfers per month can be made by check, draft, debit card, pre-authorized or automatic transfers, or telephonic order or instruction. The dividend rates and Annual Percentage Yields are effective as of 8/12/2019, will remain valid until 6/30/2020, and are accurate as of the last dividend declaration date. After that, the dividend rate and APY may change weekly. Source of funds of deposit(s) made into the Account may not be from an existing Xceed Financial Federal Credit Union (Credit Union) account. Limit one Xclusive Money Market Account (Account) per membership. The maximum balance on the Account is $500,000. In the event that the Account balance exceed such applicable maximum limit, the Credit Union is authorized by the Account owner to transfer the full excess deposit balance to the regular savings account under the same membership. The Account is a promotional product and may be discontinued at any time. In addition, Credit Union reserves the right, at any time, with no advance notice, at the Credit Union’s sole discretion to no longer allow additional deposits to be made into the Account. This Account is not available as a business product. Additional terms, restrictions and conditions apply and are subject to change at any time.
³To 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 8/12/2019 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.