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Welcome, Xerox Employees!

Excellent service and exclusive promotions for everyone who works at Xerox.

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Your Personal Banker

At Xceed, service is never one-size-fits-all. We’d be happy to match you with your own Personal Banker.

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Wide Range of Services

Personal accounts. Loans. Business services. Online and mobile banking. Great rates to grow your money.

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Here When You Need Us

We’re here to help at every stage of life. Plus, we have expertise in company-specific retirement accounts.

Schedule your personal financial check-up »

Fast, personal financial services, for Xerox employees.

Personalized support, great products, and competitive rates for all your financial needs. That’s Xceed.

Get a $200 or 20,000-point thank you

Open an Xceed Platinum Visa® Credit Card and spend at least $3,000 in the first 90 days, and you’ll earn a $200 statement credit or 20,000 bonus reward points, depending on the card you choose.5

Learn the details »

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Get up to $200 for you and $200 for a friend

When a friend you refer opens a new membership account with Xceed, you and your friend will both receive bonuses deposited to your accounts—up to $200 for you and $200 for your friend!6 The best part? There’s no limit to the number of friends you can refer or rewards you can receive.

Refer a friend today »

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Save up to $400 on a new mortgage loan

For a limited time, we’re offering up to a $400 discount on the processing fee for new mortgage loan7 for Xerox employees. Call 877.923.3311 to talk to one of our mortgage loan officers, or contact us online.

Contact a mortgage loan officer »

$200 checking bonus for Xerox employees

Want to do more with what you earn? Earn $200 when you open a new dividend-bearing Signature Checking Account.8 Terms and conditions apply. See below for details. At Xceed, we help members go further.

Compare checking accounts »

Open your Signature Checking account »

Earn cash rewards when buying or selling a home

Visit the Xceed Home Search Rewards Center to browse nationwide listings or look for a realtor. You could even enjoy a cashback reward of up to $9,1509 if you choose to work with one of our realtor partners to buy a new home or sell your current home.

Learn more »

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Xtraordinary Moment

Luis A - Xceed Customer
Name
Luis A., Jr.
Member Since
1991

I refinanced my home through the credit union. They did a fantastic job. Not only were their rates very competitive, but also their closing costs compared to major banks. They were 35% lower than the competitors.

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Ready to join?
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Call 800.XFCU.222
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The Cummings family discusses Xceed's amazing service and rates for auto loans

Additional terms, conditions, and restrictions apply. All offers, programs, rates, terms, and conditions are current as of 10/16/2019, and are subject to change at any time without notice. Loans are subject to credit qualifications and approval. This is not a commitment to lend. Xceed Financial collateral requirements and underwriting guidelines will be followed. This is a limited time offer.  Ask an associate for details.

1APY = Annual Percentage Yield. The APY reflects an interest rate increase of .50% for one share certificate with a term of 12 months or longer. Share and IRA Share Certificates must be opened by 12/31/19 to qualify. Offer available for one Share Certificate only and must be applied within 180 days of opening membership. Offer not valid on business accounts. New money only. Maximum of $15 million in total new share certificates eligible for rate increase. The dividend rates and APY are effective as of 10/01/2019 and are determined by the Board of Directors. Rates, terms and conditions are subject to change at any time. Fees incurred may reduce earnings on these accounts. A penalty may be imposed for early withdrawal.

2Pricing and terms.

3The 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. Not valid on existing Xceed auto loans. Rate cannot be lower than 2.99%. The APR reflects an interest rate reduction of .50% off the standard rate for one Xceed auto loan with auto payment made directly from an Xceed Signature or Simplicity Checking Account. Offer available for one auto loan only and must be applied within 180 days of opening membership. Xceed Financial collateral requirements and underwriting guidelines will be followed. Programs, rates, terms and conditions are effective as of 9/19/2019 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.

4The APR reflects an interest rate reduction of .25% off the standard rate for one Xceed HELOC or Home Equity Loan with auto payment made directly from an Xceed checking account. Not valid on existing Xceed HELOC or Home Equity Loan. Rate cannot be lower than the applicable note floor rate. 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 9/19/2019, 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.

520,000 bonus points offer is only applicable to new Xceed Platinum Visa with Rewards Credit Card accounts opened after June 15, 2017. $200 statement credit offer is only applicable to new Xceed Platinum Visa Credit Card accounts (no Rewards) opened after April 2, 2018. Earn a $200 statement credit (non-Rewards card) or 20,000 bonus points (Rewards card) on qualifying purchases by spending $3,000 on your Xceed Credit Card within the first 90 days of opening. Subject to credit approval for qualifying purchases. Purchase requirements and exclusions may apply. Limit one statement credit/points bonus per person. The following types of transactions don’t qualify as purchases to earn the $200 statement credit or 20,000 bonus points: convenience checks; balance transfers; account transfers; card reissues; cash advances and similar cash-like transactions; interest and account fees; unauthorized charges; and items returned for credit. Statement credit or bonus points will be applied to qualifying accounts in good standing within 4-8 weeks of promotion end date.

6$100 (or $200) Referring Member Bonus: To qualify for the $100 referring member bonus, the referring member must be an existing Xceed member in good standing, the referral must have been submitted through the Xceed BankingWorthSharing.com microsite during the promotional period, and the new referred member account must be open for 90 days. The referring member would also receive an additional $100 referring member bonus for a total of $200 if the referring member is signed up for online banking with eStatements and is receiving a direct deposit of at least $1,000 per month in an Xceed Signature checking account (or is receiving full net payroll direct deposit in an Xceed Signature checking account validated by providing Xceed a copy of paystub) evidenced by two consecutive months of ACH payroll deposits. Limit one referring member bonus per referred member. No limit to how many new members can be referred. If eligible, the $100 or $200 bonus will be credited to the referring member’s account within 30 days after the referred member account has been open for 90 days. Total referral bonuses equal to $600 or more will be reported on the IRS Form 1099-MISC. $200 Referred Member Bonus: Existing members who open new accounts do not qualify for the $200 bonus. To receive the $200 bonus, new referred members must: (1) open their Xceed Signature Checking account during the promotional period, (2) maintain the new account active and in good standing for at least 90 days, (3) sign up for online banking with eStatements, and (4) have direct deposits of at least $1,000 per month to the account (or receive full net payroll direct deposit in an Xceed Signature checking account validated by providing Xceed a copy of paystub) evidenced by two consecutive months of ACH payroll deposits within the first 90 days of account opening. If eligible, the $200 bonus will be credited within 30 days after the account has been open for 90 days. If the Signature Checking account is closed by the member or Xceed within six months after opening, Xceed will deduct the bonus amount from that account at closing. The $200 will be considered as dividends and will be reported on the IRS Form 1099-INT. All new account applicants are verified through ChexSystems, must qualify for membership and must open a primary share savings account with a deposit of $5 for membership (easy to join, just ask us!). Signature Checking Account: APY (Annual Percentage Yield) is 0.25% on balances $0 to $49,999.99; 0.25% APY on balances $50,000 to $99,999.99; 0.25% APY on balances $100,000 to $249,999.99; 0.25% APY $250,000 to $499,999.99; and 0.25% APY on balances $500,000 and over. No minimum balance required to open the account. The APY is effective as of 10/01/2019, may change after the account opened, is accurate as of the last dividend declaration date, and is determined by the Board of Directors. Fees incurred could reduce earnings on these accounts.

7Discount applies only to first mortgage applications submitted by December 31, 2019. Discount on processing fee cannot exceed $400. This includes pre-approval applications to shop for a home. First mortgage application must be funded by Xceed within 60 days with auto payment made directly from an Xceed checking account. 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.

8To receive the $200 bonus, you must be a current Xerox employee, open your new Signature Checking account by December 31, 2019, be a member in good standing, have direct deposits of at least $500 per month to your Xceed Signature Checking account (evidenced by two consecutive months of ACH payroll deposits within the first 90 days of account opening), sign up for Xceed Online with eStatements, sign up for overdraft protection, and have a Visa® Platinum debit card issued. The $200 bonus will be credited within 30 days after the account has been open for 90 days. The $200 will be considered as dividends and will be reported on IRS Form 1099-INT. All new account applicants must be verified through ChexSystems, qualify for membership, and open a primary share savings account. Signature Checking Account: APY (Annual Percentage Yield) is 0.25% on balances $0 to $49,999.99; 0.25% APY on balances $50,000 to $99,999.99; 0.25% APY on balances $100,000 to $249,999.99; 0.25% APY $250,000 to $499,999.99; and 0.25% APY on balances $500,000 and over. No minimum balance required to open the account. The APY is effective as of 10/01/2019, may change after the account opened, is accurate as of the last dividend declaration date, and is determined by the Board of Directors. Fees incurred could reduce earnings on these accounts. A primary savings account with a deposit of $5 is required for membership. Offer not available to members with existing Xceed checking accounts.

9Program and rewards, including the Cash-Back bonus, are provided by Cartus Corporation and made available to Xceed Financial Federal Credit Union members. The Cash-Back bonus is offered in most states. The Cash-Back bonus is only available with the purchase and/or sale of your home through the use of a program-recommended real estate agent. Customers are not required to receive financing from Xceed Financial Federal Credit Union in order to receive benefits of this program. All real estate commissions are negotiable. Other terms and conditions may apply. Please check with an Xceed Mortgage Loan Officer for details.

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