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 71^st largest credit union in the state of Michigan. It is also the 1,172^nd largest credit union in the nation. It was established in 1951 and as of June of 2023, it had grown to 25 employees and 9,632 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.
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Health

Data as of Q2 2023

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Health Grade Components

Overall
NCUA #	7219
Year Chartered	1951
Employees	25
Primary Regulator

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	5.72%
Annual Interest Income	$3.6MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$227.4MM$224.1MM
Loans	Q2 2023vs Q2 2022	$133.8MM$125.5MM
Deposits	Q2 2023vs Q2 2022	$192.1MM$197.1MM
Equity Capital	Q2 2023vs Q2 2022	$30.1MM$27.1MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$0$607.00K
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$182.00K$177.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Savings
Money Market
CD
IRA

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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

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
4.75%^*	$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

APY	MIN	MAX	ACCOUNT NAME
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 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

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