Xceed Financial Credit Union

As for Credit Unions, Xceed gets it done.
Pros: Will get you a auto loan and 2^nd Mtg loan with low scores and high ratios. Valerie and Michael are super friendly and attentive. Convenient, Auto pay. To go along with the Cons, I’m able to use any Credit Union without paying a fee to make deposits and withdraws. Even though their system is dated, I’m still able to transfer money from this account to a different account at another bank.
Cons: Location not convenient. Online system a little dated.
All in all they do what most banks won’t do! Super pleased with them. Keep up the great work! :)

I went to Xceed on Showers drive in Mountain View at 10 a.m. yesterday, 8÷8÷2014, to deposit some checks, etc. It was closed and there was a hand written note on the door explaining why. It said:
«SORRY BUT ALL SYSTEMS DOWN!»
Can you believe this? There was no mention of when they will open or what a customer is to do if they have an urgent business. It is unbelievably irresponsible of them to just shut down the bank and go home.
I am going to take my money and go elsewhere. I don’t trust these people.

This is the worst financial institution I have ever interacted with. Being a person with perfect credit, getting loans is easy. I purchased a new car, dealership recommended Xceed for their great customer service and 1.9% rate on used cars for my business. After two weeks of calling, email, faxes, 6 hours on the phone on hold I was never able to talk to a single representative, never received a call back, not a single returned email, not one response from Xceed. They communicated exclusively with the dealership and never once contacted me.
After two weeks of wrangling with them I halted the transaction and went with Wells Fargo who did the loan in 15 minutes. In the end, Xceed received all my critical financial information and didnt even run my credit. This place is crap and should be investigated by FDIC for the mismanagement of confidential personal information.
Karla @ Xceed should be fired for such flagrant mismanagement of inbound applications and loan processes. I guess the position «Hybrid Generalists» is code for «I will provide exceptionally bad customer service and never contact you after 15 voicemails, 4 faxes and 6 emails in 2 weeks».
Agree with Cat V «This place sucks. Xceedingly Sucks.»

I am here to praise the folks here at Xceed financial – Christina, Chris, Carla, Son, Valerie, and all who I forgot to mention – for their outstanding customer service! I have been dealing with the folks at Xceed for 3 – 4 years. Aside from their low APR rates, they are very patient and personable in addressing my needs. I always feel welcomed whenever I call or walk through the door. Two thumbs up for Xceed!

Avoid their ATM. It’s probably broken, won’t give you your money but WILL deduct it from your account so you’d have to fill out a Dispute form to get it fixed.
This place sucks. Xceedingly Sucks.

Girl walks in wanting to get an auto loan, gets it and then wants to do auto pay so she would not forget to pay, miss a payment, that type of deal. She has a bank account with another financial institution and wants to do auto pay that way.
This CU apparently doesn’t allow autopay with any other account then their own checking account (note: big banks will allow you to do autopay on their cc, auto loans and mortgage loans with another bank’s checking account)
So what did Valerie do? She opened a checking account, told this girl (who speaks English but is more fluent in Chinese) to go to her bank and get them to transfer money from her checking account into the new one Valerie opened for her at this CU – THEN they will do auto pay from the CU account to the auto loan
If you don’t think this is a pushy for sales type of CU, let me say this: Valerie knows this girl doesn’t live in San Jose, was only down there for the car and car loan and clearly expressed that she was not going to be going down there now or anytime in the future – and yet Valerie manage not only to get an auto loan out of her along with a checking account (that is mandatory apparently with this CU if you want to use autopay)
Valerie also opened a savings account for her.

I liked it better when they had the old online system that worked. Finance works is clutzy with at least 2 refresh buttons which only work sometimes and they keep missclassifiyin my transactions. Lots of new screens but missing in being user friendly and in sync.,

This bank has excellent customer service. The manger, Christina, is super helpful.
There aren’t many customers that come in and out, so there’s rarely a line inside.
By the way, take advantage of their awesome coffee machine. It has a touchscreen and tons of flavor options! =)