St. Francis X

2140 M 119, Petoskey, MI 49770

NCUA Insured5.0 (6 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1951

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Petoskey, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1951

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

2140 M 119

Petoskey, MI 49770

Google Maps 🗺Waze

(231) 348-7690

Service Area

This credit union is located in Petoskey and serves members in the MI area. Currently serving 9,991 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.50%

Used Auto Loan

5.00%

Personal Loan

9.99%

Credit Card APR

10.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

5.0

6 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Dean “Kitty” Freeman

3 years ago

Howard was very helpful today in a tough time. He assisted me in working through a family member passing and how to access their accounts. He was kind, considerate, patient, and empathetic. Thank you.

Aaron Byard

5 years ago

Currently financing my truck and quad through them right now. Staff are always friendly and helpful. Zak monroe is a awesome loan officer. Hopefully I can do business with them the rest of my life.

ryan dominowski

4 years ago

This is the best bank i have ever used. There is 1 teller that doesn't even need to see my account but she knows my name. I am rarely ever there so it is nice to be addressed hi Ryan how are you?