St. Francis X Credit Union

Petoskey, Michigan
Last verified: August 4, 2026
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Verified rate book

Current St. Francis X Credit Union rates

40 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

15 offers
St. Francis X Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
3/3 ARM (15-Year Term)3 3 arm4.750% APR4.750%—Standard
5/5 ARM (15-Year Term)5 5 arm5.000% APR5.000%—Standard
3/3 ARM (30-Year Term)3 3 arm5.250% APR5.250%—Standard
7/7 ARM (15-Year Term)7 7 arm5.250% APR5.250%—Standard
5/1 ARM5 1 arm5.500% APR5.500%—Standard
5/5 ARM (30-Year Term)5 5 arm5.500% APR5.500%—Standard
7/7 ARM (30-Year Term)7 7 arm5.700% APR5.700%—Standard
Escrow Accountother5.000% APR5.000%—Standard
Home Loans** (5 Years)other5.000% APR5.000%—Standard
Home Loans** (7 Years)other5.250% APR5.250%—Standard
Home Loans** (10 Years)other5.500% APR5.500%—Standard
Home Loans** (15 Years)other5.750% APR5.750%—Standard
Home Loans** (20 Years)other6.000% APR6.000%—Standard
Home Loans** (30 Years)other6.250% APR6.250%—Standard
Vacant Landother6.750% APR6.750%—Standard

Auto & vehicle rates

1 offer
St. Francis X Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60 Months Or Lessauto_any_60mo5.000% APR5.000%60 moStandard

Personal loan rates

1 offer
St. Francis X Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Signature/Line of Creditploc_variable9.990% APR9.990%—Standard

Savings & CD rates

23 offers
St. Francis X Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Savingsshare_savings0.05% APY0.05%—Standard
Checkingmoney_market0.05% APY0.05%—Standard
Health Savings Rates (HSA Checking)savings0.10% APY0.10%—Standard
Savingsshare_savings0.10% APY0.10%—Standard
Money Marketmoney_market0.10% APY0.10%—Standard
Checkingmoney_market0.10% APY0.10%—Standard
Money Marketmoney_market0.15% APY0.15%—Standard
IRAira0.15% APY0.15%—Standard
Savingsshare_savings0.15% APY0.15%—Standard
Checkingmoney_market0.15% APY0.15%—Standard
Money Marketmoney_market0.20% APY0.20%—Standard
IRAira0.20% APY0.20%—Standard
IRAira0.25% APY0.25%—Standard
18-Month IRA Certificateira_cd_18mo2.50% APY2.50%18 moStandard
48-Month IRA Certificateira_cd_48mo2.50% APY2.50%48 moStandard
36-Month IRA Certificateira_cd_36mo2.50% APY2.50%36 moStandard
24-Month IRA Certificateira_cd_24mo2.50% APY2.50%24 moStandard
60-Month IRA Certificateira_cd_60mo2.75% APY2.75%60 moStandard
25-Month IRA Certificateira_cd_25mo3.00% APY3.00%25 moStandard
12-Month IRA Certificateira_cd_12mo3.00% APY3.00%12 moStandard
13-Month IRA Certificateira_cd_13mo3.25% APY3.25%13 moStandard
6-Month IRA Certificateira_cd_6mo3.40% APY3.40%6 moStandard
3-Month IRA Certificateira_cd_3mo3.50% APY3.50%3 moStandard

As of August 4, 2026, St. Francis X Credit Union offers a 3 3 arm mortgage at 4.75% APR. Auto loans available from 5% APR for 60 months. Personal loan rates from 9.99% APR. Savings and certificate yields up to 3.50% APY.

Source: RateAPI.dev, verified from St. Francis X Credit Union's official website

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About St. Francis X Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
10K
Assets
$263.4M
Founded
1951
Locations reported
4
NCUA charter
7219
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

AwakonPetoskey Meijer Branch · Petoskey · MI · 49770-9252Branch in the same ZIPNorthland AreaPetoskey · Petoskey · MI · 49770Branch in the same ZIPStraits AreaBranch Office · Indian River · MI · 49749-9366About 16.4 miles awayCommunity FinancialCOMMUNITY FINANCIAL NORTH GAYLORD · Gaylord · MI · 49735About 25.5 miles awayAlpena-Alcona AreaCheboygan Office · Cheboygan · MI · 49721About 27.2 miles awayForest AreaKalkaska · Kalkaska · MI · 49646-8914About 42.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join St. Francis X Credit Union

Membership eligibility from St. Francis X Credit Union's own published criteria. How we verify this.

Community charter: live/work in Emmet, Charlevoix, Cheboygan

  • LocationEmmet, Charlevoix, Cheboygan

Verified from St. Francis X Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does St. Francis X Credit Union offer?

St. Francis X Credit Union currently offers mortgage, Auto loan, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are St. Francis X Credit Union rates updated?

RateAPI verifies St. Francis X Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get St. Francis X Credit Union's rate data?

Rate data is collected directly from St. Francis X Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is St. Francis X Credit Union's mortgage rate?

As of August 4, 2026, St. Francis X Credit Union offers a 3 3 arm mortgage at 4.75% APR.

What are St. Francis X Credit Union's auto loan rates?

As of August 4, 2026, St. Francis X Credit Union offers auto loans from 5% APR.

What is St. Francis X Credit Union's personal loan rate?

As of August 4, 2026, St. Francis X Credit Union offers personal loans from 9.99% APR.

What is St. Francis X Credit Union's best CD rate?

As of August 4, 2026, St. Francis X Credit Union offers savings and certificate (CD) yields up to 3.50% APY.

Related Rate Data

Compare St. Francis X Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsMortgage rate benchmarkAuto loan rate benchmarkPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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