2140 M 119
Petoskey, MI 49770

Notable Rates APY Vs.Others
Savings 0.20% 1.96% →
1-Year CD 1.00% 2.02% →
2-Year CD 1.30% 2.02% →
5-Year CD N.A. 2.02% →
30-Year Mortgage N.A. 3.14% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.50% →

2020 Overview

General Credit Union Information

St. Francis X is an NCUA insured institution located in Petoskey, MI. It was founded in 1951 and has approximately $147.2 millions in assets.

NCUA Insured Yes
Charter Number # # 7219
Date Established 1951
Assets $147.20 million
Loans $98.60 million
Deposits $123.24 million
Capital $23.31 million

Field of Membership Restrictions

Must be a Catholic living in Emmet County or reside outside the county but attend a parish in Emmet County.

Deposit Rates - April 2, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $250 $24,999 Learn MoreShow Less
Money Market
0.35% $25,000 $74,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.40% $500 $99,999 Learn MoreShow Less
6 Mo CD
0.60% $500 $99,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $1 $24,999 Learn MoreShow Less
Fixed IRA
1.00% $500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $5,000 $24,999 Learn MoreShow Less

Loan Rates - April 2, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for ST. FRANCIS X

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
3.500 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are St. Francis X branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

St. Francis X Locations

Financial Details

St. Francis X Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of St. Francis X. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
St. Francis X U.S. Average
12.03% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, St. Francis X had $2,571,106 in non-current loans and $307,329 in owned assets. To cover these potential losses it had $23,306,815 in net worth and $625,992 in loans loss reserves. That gives it a Texas Ratio of 12.03%.

Net Worth
St. Francis X U.S. Average
15.83% 13.65%

St. Francis X FCU has a net worth of 15.83% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About St. Francis X

Branches and Savings

What is St. Francis X?

A federal credit union, registered with the NCUA under certificate #7219.
Learn more about credit unions here.

Is St. Francis X FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join St. Francis X?

Please see Field of Membership information above for information on who is eligible to join.

What are St. Francis X's share account and share certificate rates?

St. Francis X's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is St. Francis X?

St. Francis X has total capital of $23.31 million. Full information on St. Francis X's financial position is located above.

Who owns St. Francis X?

Credit Unions are owned by their members.

Where are St. Francis X branches located?

See branch locations nearby.

Are St. Francis X ATMs Open 24/7?

Do St. Francis X ATMs accept cash deposits?

Can St. Francis X customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does St. Francis X have a mobile app?

Does St. Francis X have mobile deposit?

Does St. Francis X have quick pay?

How can St. Francis X transfer money to other banks or credit unions?

Does St. Francis X report to credit bureaus?

Does St. Francis X use Chexsystems?

Does St. Francis X use Equifax?

What is St. Francis X's toll free phone number?

What is St. Francis X's ACH Routing Number?

What is St. Francis X's SWIFT code?

Where can I find St. Francis X's wire transfer form?

What is the St. Francis X address for deposits?

What Products Does St. Francis X Offer

Does St. Francis X offer mortgages?

Compare mortgage rates here.

Does St. Francis X offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does St. Francis X offer auto and RV loans?

Compare auto loan rates here.

Does St. Francis X offer student loans or personal loans?

Compare personal loan rates here.

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