Welcome To St. Francis X. Federal Credit Union

St. Francis X. Federal Credit Union has gone community!  We are excited about the change in our charter allowing us to better serve individuals in our local community.  The National Credit Union Administration (NCUA) granted St. Francis X. Federal Credit Union's request for a community charter, which will allow us to offer membership to any individual who lives, works, worships, attends school or regularly conducts business in Emmet, Charlevoix and Cheboygan counties.  Current members will not be affected and will receive the same exceptional value and service as always.  Family of existing members may also join!  So what are you waiting for? The best value in banking has gone community!

To our current members, you will not need to make any changes to any of your accounts or services.  This includes debit/credit cards, mobile or home banking, direct deposits, billpay or checks.  This change will make a better and brighter future for all of us and we are glad that you are a part of it.

"It is very important that affordable financial services are available to everyone in these three counties", said credit union President/CEO Scott Bingaman.  "We are excited to become a bigger part of these communities while providing new growth opportunities for the Credit Union."

Merry Christmas and Happy New Year!
Our offices will be closing at 1PM on December 24th and 31st,
and will be closed on Christmas Day and New Year's Day,
in observance of the holidays.

We have been recognized as one of the top 200 healthiest
Credit Unions in the United States!  Read more.



How do we prevent fraud?

We are enhancing our Card Fraud Prevention Service.  There are some changes that you should know about.  Please click here to read more.

Interested in 
Courtesy Pay?
Click here for more!  

Having problems with our mobile apps?  
Try removing the app and reinstalling it.
  If that does not work feel free to give us a call so we can help.

Stay up to date!
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St. Francis X. Federal Credit Union would like to remind you that we do not solicit personal/private information regarding your accounts via e-mail or phone.  Should you receive any e-mail or phone call requesting information please contact someone at the credit union for verification or email homebanking@stfranciscu.org.  If the request cannot be verified, report it to the Internet Fraud Complaint Center. 

If you are using a screen reader and are having problems using this website, please call 866-890-3670 for assistance.






































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