St. Francis X. Federal Credit Union


Overview / Commentary
231-348-7690
2140 M 119
Petoskey, MI 49770

St. Francis X. Federal Credit Union is headquartered in Petoskey and is the 70th largest credit union in the state of Michigan. It is also the 1,183rd largest credit union in the nation. It was established in 1951 and as of December of 2023, it had grown to 25 employees and 9,653 members at 4 locations. St. Francis X. Federal Credit Union's CD rates are 4X the national average, and it 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

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Health

Health Grade Components

Overall
NCUA #7219
Year Chartered1951
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD0.79%
Return on Equity - YTD5.78%
Annual Interest Income$7.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$225.4MM$229.6MM
LoansQ4 2023vs Q4 2022$134.4MM$132.7MM
DepositsQ4 2023vs Q4 2022$194.3MM$192.4MM
Equity CapitalQ4 2023vs Q4 2022$31.1MM$29.2MM
Loan Loss AllowanceQ4 2023vs Q4 2022$568K$605K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$186K$306K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW 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 CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%*$100k*-13 Month CD
OTHER TIERS: 4.25% $500 - $100k
4.55%*$100k*-3 Month CD
OTHER TIERS: 4.50% $500 - $100k
4.55%*$100k*-6 Month CD
OTHER TIERS: 4.50% $500 - $100k
4.50%*$100k*-25 Month CD
OTHER TIERS: 4.00% $500 - $100k
3.25%*$100k*-12 Month CD
OTHER TIERS: 3.00% $500 - $100k
3.00%*$100k*-60 Month CD
OTHER TIERS: 2.75% $500 - $100k
2.75%*$100k*-18 Month CD
OTHER TIERS: 2.50% $500 - $100k
2.75%*$100k*-24 Month CD
OTHER TIERS: 2.50% $500 - $100k
2.75%*$100k*-36 Month CD
OTHER TIERS: 2.50% $500 - $100k
2.75%*$100k*-48 Month CD
OTHER TIERS: 2.50% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%*$100k*-13 Month IRA
OTHER TIERS: 4.25% $500 - $100k
4.55%*$100k*-3 Month IRA
OTHER TIERS: 4.50% $500 - $100k
4.55%*$100k*-6 Month IRA
OTHER TIERS: 4.50% $500 - $100k
4.50%*$100k*-25 Month IRA
OTHER TIERS: 4.00% $500 - $100k
3.25%*$100k*-12 Month IRA
OTHER TIERS: 3.00% $500 - $100k
3.00%*$100k*-60 Month IRA
OTHER TIERS: 2.75% $500 - $100k
2.75%*$100k*-18 Month IRA
OTHER TIERS: 2.50% $500 - $100k
2.75%*$100k*-24 Month IRA
OTHER TIERS: 2.50% $500 - $100k
2.75%*$100k*-36 Month IRA
OTHER TIERS: 2.50% $500 - $100k
2.75%*$100k*-48 Month IRA
OTHER TIERS: 2.50% $500 - $100k
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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