St. Francis X. Federal Credit Union

Overview / Commentary

www.stfranciscu.org

231-348-7690

2140 M 119
Petoskey, MI 49770

St. Francis X. Federal Credit Union is headquartered in Petoskey and is the 68^th largest credit union in the state of Michigan. It is also the 1,165^th largest credit union in the nation. It was established in 1951 and as of December of 2022, it had grown to 25 employees and 9,498 members at 4 locations. St. Francis X. Federal Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

St. Francis X Federal Credit Union is open to anyone who lives, works, worships, regularly conducts business, or goes to school in Charlevoix, Cheboygan or Emmet counties.
See current membership details

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

A+

Data as of Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #	7219
Year Chartered	1951
Employees	25
Primary Regulator

Profit Margin
Return on Assets - YTD	0.96%
Return on Equity - YTD	7.52%
Annual Interest Income	$6.2MM

Assets and Liabilities
Assets	Q4 2022vs Q4 2021	$229.6MM$208.1MM
Loans	Q4 2022vs Q4 2021	$132.7MM$116.4MM
Deposits	Q4 2022vs Q4 2021	$192.4MM$181.0MM
Equity Capital	Q4 2022vs Q4 2021	$29.3MM$27.0MM
Loan Loss Allowance	Q4 2022vs Q4 2021	$605.00K$608.00K
Unbacked Noncurrent Loans	Q4 2022vs Q4 2021	$306.00K$20.00K
Real Estate Owned	Q4 2022vs Q4 2021	$0$0

Rates

Skip to rates for:

Savings
Money Market
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not St. Francis X. Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

St. Francis X. Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$75k^*	-	IRA Share
OTHER TIERS: 0.15% → Up to $25k \| 0.20% → $25k - $75k
0.20%^*	$10k^*	-	HSA Checking
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $10k
0.15%^*	$75k^*	-	Share Savings
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $75k

St. Francis X. Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$75k^*	-	Money Market
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $75k
0.15%^*	$75k^*	-	Money Market Checking
OTHER TIERS: 0.05% → $5k - $25k \| 0.10% → $25k - $75k

St. Francis X. Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.55%^*	$100k^*	-	3 Month CD
OTHER TIERS: 4.50% → $500 - $100k
4.05%^*	$100k^*	-	6 Month CD
OTHER TIERS: 4.00% → $500 - $100k
4.00%^*	$100k^*	-	13 Month CD
OTHER TIERS: 3.75% → $500 - $100k
3.50%^*	$100k^*	-	25 Month CD
OTHER TIERS: 3.25% → $500 - $100k
2.85%^*	$100k^*	-	12 Month CD
OTHER TIERS: 2.75% → $500 - $100k
2.60%^*	$100k^*	-	18 Month CD
OTHER TIERS: 2.50% → $500 - $100k
2.35%^*	$100k^*	-	24 Month CD
OTHER TIERS: 2.25% → $500 - $100k
2.10%^*	$100k^*	-	36 Month CD
OTHER TIERS: 2.00% → $500 - $100k
1.85%^*	$100k^*	-	48 Month CD
OTHER TIERS: 1.75% → $500 - $100k
1.65%^*	$100k^*	-	60 Month CD
OTHER TIERS: 1.50% → $500 - $100k
0.40%^*	$75k^*	-	9 Month No Penalty CD
OTHER TIERS: 0.30% → $500 - $25k \| 0.35% → $25k - $75k

St. Francis X. Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.55%^*	$100k^*	-	3 Month IRA
OTHER TIERS: 4.50% → $500 - $100k
4.05%^*	$100k^*	-	6 Month IRA
OTHER TIERS: 4.00% → $500 - $100k
4.00%^*	$100k^*	-	13 Month IRA
OTHER TIERS: 3.75% → $500 - $100k
3.50%^*	$100k^*	-	25 Month IRA
OTHER TIERS: 3.25% → $500 - $100k
2.85%^*	$100k^*	-	12 Month IRA
OTHER TIERS: 2.75% → $500 - $100k
2.60%^*	$100k^*	-	18 Month IRA
OTHER TIERS: 2.50% → $500 - $100k
2.35%^*	$100k^*	-	24 Month IRA
OTHER TIERS: 2.25% → $500 - $100k
2.10%^*	$100k^*	-	36 Month IRA
OTHER TIERS: 2.00% → $500 - $100k
1.85%^*	$100k^*	-	48 Month IRA
OTHER TIERS: 1.75% → $500 - $100k
1.65%^*	$100k^*	-	60 Month IRA
OTHER TIERS: 1.50% → $500 - $100k

Locations

St. Francis X. Federal Credit Union Locations
Branch Office	2140 M 119	Petoskey, MI 49770
Branch Office	224 State St	Petoskey, MI 49770-2718
Branch Office	7681 S State Rd	Harbor Springs, MI 49740-9617
Branch Office	1511 US Highway 131	Petoskey, MI 49770-8722

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.