Short on cash? Need to catch up on bills? We’re here to help.

Dec 05, 2022

St. Francis X Federal Credit Union has integrated loan Skip-A-Payment into our home banking and mobile banking app. Now you can skip one month’s payment on a loan to give you a little breathing room, to give you a holiday break, or just to help you out in tough times. Ask any of our staff about how to use it, or to get started, log into your online account today.

St. Francis X A Top 100 S&P Global Rankings Credit Union

Apr 05, 2021

St. Francis X Federal Credit Union is proud to have made S&P Global Rankings for Credit Unions Top 100 list!

The five metrics used by S&P Global Market Intelligence included member growth; average loans, net of PPP loans, per member; net worth as a percentage of total assets; delinquent loans as a percentage of total loans, net of PPP loans, and return on average assets.

St. Francis X is a Top 10 Healthiest Credit Union!

Jul 24, 2020

St. Francis X Federal Credit Union is proud to have placed in the top 10 of all credit unions nationwide for 2020’s healthiest financial institutions!

With an A+ Health Rating, we are proud of our position as a leader in financial responsibility, and we continue to advocate for the same in our membership and community.

St. Francis X FCU is here for you

Mar 23, 2020

St. Francis X FCU realizes that now more than ever our members need us.

Please be assured we realize this need and we will not be staying home, as we are a critical service. We will not close any offices and will not restrict our services. We ask that you be patient and show appreciation of our staff in these difficult times.

Note: St. Francis X Federal Credit Union encourages the use of Debit, Credit and electronic services, and for health reasons we discourage the use of cash. Additionally, we remind members that our remote deposit capture and member directed ACH services have been enhanced.

Member and Employee Safety Are First Priority

Mar 13, 2020

The Credit Union understands and shares your concerns surrounding the recent coronavirus (COVID-19) outbreak and the speed at which it’s spreading. We want you to know that St. Francis X Federal Credit Union is taking precautions to help keep both our members and employees safe. Continued reports about the spread of the coronavirus (COVID-19) can be unnerving. We want to assure you that we are closely monitoring and following the guidance being provided by local and national health agencies. In light of this we have implemented the following protocol changes by asking staff to:

• Refrain from shaking hands or coming in direct contact with members during visits
• Place sanitizer at strategic areas around the branch for use before and after transactions
• Place tissues at strategic areas around the branch
• Regularly use disinfectant to wipe down areas that are frequently touched
• Wash their hands at least once per hour
• Stay home if they show any symptoms of any flu like symptoms

We will continue to monitor information associated with the coronavirus (COVID-19) and should any disruption to our business occur, we will proactively keep you informed. We want members to know that we have a business continuity plan in place for any disruptions of services.

Disruption examples such as reduced lobby hours, drive-up only service, night drop only or even an eventual branch closure. Even in the unlikely event of closing branches we will have remote support staff available to continue business as normal as possible with phones available.

Keep in mind you can always conduct transactions 24/7 with our Online Banking or Mobile Banking services.

Don’t forget that you can still deposit through Remote Deposit Capture in the Mobile App.

Additionally, you can pay anyone anywhere with a check cut through Bill Pay now available in both Online Banking and Mobile banking.

If you need assistance setting up any of these services or would like to speak with a Representative, please call 231-347-8480 or send a secure message through Online Banking or Mobile Banking.

We are taking all precautions where possible to protect our members and staff. If there are any changes or disruptions to service that affect members, we will post updates to our website.

Thank you for your patience and understanding as we are all in this together, Be safe.

Remote Deposit Capture now available

Jan 02, 2019

Turn paper checks into electronic deposits with our Remote Deposit Capture feature. With our Mobile Banking apps, you can use your smartphone or tablet to take a picture of paper checks and remotely deposit them into your designated St. Francis X checking or savings account.

Simply login to our app, select Remote Deposit Capture, then follow the prompts on the screen. You’ll need to endorse the back of the check just like you would if making an in-branch deposit, photograph the front and the back of the check and submit the check to the account of your choice.

You’ll then receive an email receipt letting you know the deposit has been received.

New Card Fraud Prevention Service

Jun 12, 2018

In our continuing efforts to keep your accounts secure, we’ve improved our card alert system for potential fraud.

Here’s how it works:

• When potential fraud is detected, you will receive an automatic email notification from St. Francis X FCU with the option to reply with “fraud” or “no fraud.”
• One minute after the email, you will receive a text alert from 32874 between 7am and 9pm, which also has the “fraud” or “no fraud” option. (*SEE BELOW)
• If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.

Remember – our messages will never ask for your PIN or account number.

*The phone number for our Fraud Center has changed to 1-888-297-3416. If you add this number to your phone contacts and label it “Fraud Center,” it will display whenever you get a call from this number.

St. Francis X FCU Adopts New Field of Membership

Jun 11, 2018

We now have a community charter!  Most anyone in our community can now join, effective immediately!

Our new field of membership allows anyone who lives, works, worships, regularly conducts business or attends school in Emmet, Charlevoix or Cheboygan counties to join!

So if you are a traveling nurse or hospital employee, a summer resident, attend any church, are a school teacher or a student, in any of the three counties, you can be a member!  (The list certainly does not stop there!)  Stop into any of our branches or give us a call at 231.348.7690 to learn more.