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The Credit Union Difference

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Not all financial institutions are created equally.

While it’s true that credit unions have better loan rates, better deposit rates and lower fees than banks and other online financial institutions, St. Francis X FCU is not just any ordinary credit union.

​St. Francis X FCU’s mission is to be the premier provider of financial services for all residents of Northern Michigan. To achieve this goal we will sustain a culture of never-ending improvement, commit to maximum customer value, operate with integrity and honesty in all relationships, actively support our community, and pursue the application of innovations in current and future technologies

We are very proud of the value we provide to our members. In addition to being one of the very best places to apply for a loan or save money, we also have one of the best reward programs. St. Francis gives back 1% of all credit and debit purchases. Points never expire, and they may be cashed in for hundreds of different prizes, including trips or even cash. Best of all, 5000 points will earn you $50 cash in your account. And our Business Credit Cards earn 2%.

We keep more money in your wallet than anyone we know. But your banking needs don’t end with great savings—that’s just where we start. We also have leading edge technology such as home banking, mobile banking, remote deposit capture and card controls. Oh, did we mention smart speaker banking? You know, “Hey, Alexa, open St. Francis Credit Union.” If you need it we have it. If we don’t have it yet, we’ll get it.

To wrap it up, we save you crazy money, we have leading edge technology, we are totally local, membership is open to our entire community, and we were rated as one of the nation’s top 200 healthiest credit unions in 2015 and again in 2018. We’re proud that we’ve had the same name and even some of the same members since 1951! Plus, we’ve got some of the friendliest and most helpful people you will find anywhere. Who can say that these days, right?

Call, click or stop by to get the very best deal in banking at St. Francis X Federal Credit Union.

Welcome to the neighborhood. If there is anything else you’d like to know about what makes credit unions different from other financial institutions, feel free to drop by any convenient branch or give us call. We’re looking forward to showing you what makes us truly unique.