El Segundo, California-based Xceed Financial Credit Union is offering a limited-time promotion when you sign up for a new credit card account, waiving balance transfer fees through February 28, 2009. In addition, its card does not have an annual fee and offers an intro 5.9% APR on purchases and 0% APR on balance transfers for 12 months.

Xceed offers two versions of its platinum credit card: one option has a rewards program where points can be earned towards travel, merchandise and gift cards, and another option that offers a lower interest rate.

Xceed operates 16 branches in six states, including California, Connecticut, Illinois, New Jersey, New York, and Texas. For membership details, see this page. To apply, you can either access the online application or call 800.XFCU.222. (Via FW)