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St. Francis X. Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
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Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 71st largest credit union in the state of Michigan. It is also the 1,153rd largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 25 employees and 9,872 members at 4 locations. St. Francis X. Federal Credit Union has 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 attends school in the Minnesota counites of Charlevoix, Cheboygan or Emmet.
See current membership details

Reviews

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #7219
Year Chartered1951
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD6.58%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$243.4MM$230.5MM
LoansQ1 2025vs Q1 2024$137MM$134.3MM
DepositsQ1 2025vs Q1 2024$209.6MM$199MM
Equity CapitalQ1 2025vs Q1 2024$33.5MM$31.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$564K$567K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$138K$157K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Rates for St. Francis X. Federal Credit Union are currently being reviewed.

Locations


St. Francis X. Federal Credit Union Locations
Branch Office2140 M 119Petoskey, MI 49770
Branch Office224 State StPetoskey, MI 49770-2718
Branch Office7681 S State RdHarbor Springs, MI 49740-9617
Branch Office1511 US Highway 131Petoskey, MI 49770-8722

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