St. Francis X Federal Credit Union has integrated loan Skip-A-Payment into our home banking and mobile banking app. ... Learn More
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Your possibilities are endless.

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Supporting big and small businesses is our business.

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Making waves for 70+ years.

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We’ll be your financial security.

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Putting the X in Xtra

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Updated Audio Banking

Our updated audio banking system with voice recognition is coming March 16.

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Credit Cards

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

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

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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.