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

St. Francis X. Federal Credit Union is headquartered in Petoskey and is the 78th largest credit union in the state of Michigan. It is also the 1,311th largest credit union in the nation. It was established in 1951 and as of December of 2018, it had grown to 27 employees and 8,535 members at 3 locations. St. Francis X. Federal Credit Union's CD rates are 39% higher than the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in St. Francis X Federal Credit Union is open to the following: 1) those who live, work, attend school or worship in Charlevoix, Cheboygan, or Emmet Counties in Michigan; 2) traveling nurses or hospital employees or summer residents in the above counties.
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Health
A+

Health Grade Components

Overall
NCUA #7219
Year Chartered1951
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD7.87%
Annual Interest Income$5.2MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$142.1MM$138.0MM
LoansQ4 2018vs Q4 2017$98.7MM$95.5MM
DepositsQ4 2018vs Q4 2017$117.5MM$114.8MM
Equity CapitalQ4 2018vs Q4 2017$22.5MM$20.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$691.00K$833.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$280.00K$390.00K
Real Estate OwnedQ4 2018vs Q4 2017$148.00K$89.00K
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
2.00%*$10k*-HSA Checking
OTHER TIERS: 1.00% Up to $5k | 1.50% $5k - $10k
0.45%*$75k*-IRA Share
OTHER TIERS: 0.25% Up to $25k | 0.35% $25k - $75k
0.40%*$75k*-All Shares
OTHER TIERS: 0.20% Up to $25k | 0.30% $25k - $75k

St. Francis X. Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$75k*-Money Market
OTHER TIERS: 0.25% Up to $25k | 0.35% $25k - $75k
0.30%*$75k*-Money Market Checking
OTHER TIERS: 0.10% Up to $25k | 0.20% $25k - $75k

St. Francis X. Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$100k*-4 Year CD
OTHER TIERS: 2.50% Up to $100k
2.40%*$100k*-5 Year CD
OTHER TIERS: 2.15% Up to $100k
2.25%*$100k*-18 Month CD
OTHER TIERS: 2.00% Up to $100k
2.05%*$100k*-3 Year CD
OTHER TIERS: 1.80% Up to $100k
1.55%*$100k*-2 Year CD
OTHER TIERS: 1.30% Up to $100k
1.25%*$100k*-12 Month CD
OTHER TIERS: 1.00% Up to $100k
0.70%*$100k*-6 Month CD
OTHER TIERS: 0.60% Up to $100k
0.60%*$75k*-9 Month No Penalty CD
OTHER TIERS: 0.40% Up to $25k | 0.50% $25k - $75k
0.50%*$100k*-3 Month CD
OTHER TIERS: 0.40% Up to $100k

St. Francis X. Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%*$100k*-4 Year IRA
OTHER TIERS: 2.50% Up to $100k
2.40%*$100k*-5 Year IRA
OTHER TIERS: 2.15% Up to $100k
2.25%*$100k*-18 Month IRA
OTHER TIERS: 2.00% Up to $100k
2.05%*$100k*-3 Year IRA
OTHER TIERS: 1.80% Up to $100k
1.55%*$100k*-2 Year IRA
OTHER TIERS: 1.30% Up to $100k
1.25%*$100k*-12 Month IRA
OTHER TIERS: 1.00% Up to $100k
0.70%*$100k*-6 Month IRA
OTHER TIERS: 0.60% Up to $100k
0.50%*$100k*-3 Month IRA
OTHER TIERS: 0.40% Up to $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

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