We will be closed on July 4th in observance of Independence Day.
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Stars. Stripes. Strong Communities.

Here’s to backyard barbecues, fireworks, and making memories with the people who matter most. Happy Fourth of July from your St. Francis X family.

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Your branch.
Wherever life takes you.

The park. The sidelines. The couch. With mobile banking, your accounts are always within reach.

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Make this your “will do” summer

No more putting off summer plans. Our personal loan is designed for you, with low rates, no money down, and local decisions.

Start doing

Need to get away?

This is your year to plan your dream vacation. Our Personal/Signature loan offers no money down and no collateral needed. So this year, start planning your drive, flight or cruise, and make it a vacation to remember.

Get away today

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Home Lending

From mortgages to home equity loans, we're ready to make your home dream a reality.

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Credit Cards

Low rates, no annual fees and a Rewards Program that really adds up.

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Careers

We’re hiring team members and we're looking for people just like you! Interested in joining?

See our career options

Petoskey Proud since 1951.

We got our start in the church monastery at St. Francis Xavier Church in Petoskey on April 5, 1951. Over the next decade we experienced impressive growth—1,543 members and more than $880,000 in assets by 1962.

Today, we have over 9000 members with more than $220 million in assets. And we’re still right here in Petoskey (as well as Harbor Springs) because we couldn’t imagine a better place to live or better members to serve.