St. Francis X. Federal Credit Union is headquartered in Petoskey and is the 68th largest credit union in the state of Michigan. It is also the 1,165th 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.
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
Overall | |
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NCUA # | 7219 |
Year Chartered | 1951 |
Employees | 25 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.96% |
Return on Equity - YTD | 7.52% |
Annual Interest Income | $6.2MM |
Assets and Liabilities | ||
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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 |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
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 Locations | ||
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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 |