St. Francis X Credit Union Harbor Springs MI | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to St. Francis X Federal Credit Union, where our community thrives together! Located at 7681 S State Rd, Harbor Springs, MI 49740, we have been serving our members since 1951. With a strong commitment to providing personalized financial solutions, we proudly support 9,822 members and counting. At St. Francis X, we believe in empowering our members through comprehensive banking services tailored to meet your needs. Our total assets of $239,657,051 allow us to offer a range of products, including auto loans and personal banking services. We currently manage $2,140,078 in total deposits and hold an impressive net worth of $32,528,547. With a dedicated team of 25 employees, led by our CEO Scott Bingaman and Board President Robinson Walker, you can trust that you're in capable hands. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 7681 S State Rd., Harbor Springs, MI 49740-9617. Our mission is simple: to enhance the financial well-being of our members and the community we serve. By offering competitive rates on loans and a variety of deposit options, we aim to make banking accessible and beneficial for everyone. Whether you're looking for an auto loan or need assistance with online banking, we're here to help. Feel free to reach out at 231-348-7690 or explore more about us on our website at stfranciscu.org. Join us today and experience the credit union difference!

Branch History & Mission

At St. Francis X Federal Credit Union, we take pride in our rich history and unwavering commitment to serving the community of Harbor Springs, MI. Established in 1951, our branch has grown alongside the needs of our members, evolving from a small local credit union into a trusted financial partner for nearly 10,000 members today. Located at 7681 S State Rd, Harbor Springs, MI 49740, our branch is easily accessible for all your banking needs. Our mission is simple yet powerful: we strive to provide exceptional financial services while fostering a supportive community environment. We believe that every member deserves not just a bank but a partner in their financial journey. Over the decades, St. Francis X has achieved remarkable milestones, including amassing total assets of over $239 million. This growth reflects our dedication to sound financial practices and community-focused initiatives. We offer a wide range of services from personal banking options like checking and savings accounts to auto loans, mortgage loans, and even business banking solutions. Our mission extends beyond traditional banking; we aim to make a positive impact on the lives of our members and the broader Harbor Springs community. This commitment drives us to engage in various outreach efforts and partnerships that support local organizations and initiatives. We recognize the importance of technology in today's world and are proud to offer modern conveniences such as online banking and mobile payment options. Our ATM services are available for easy access to cash, while our drive-thru banking ensures that you can manage your transactions conveniently. While members can visit us at 7681 S State Rd, official correspondence should be sent to 7681 S State Rd., Harbor Springs, MI 49740-9617 if different from our branch address. As we look forward to the future, we invite you to join us on this journey. Experience the benefits of being part of St. Francis X Federal Credit Union where your financial well-being is our top priority. Whether you're looking for personal loans or want to explore how we can support your business needs, we're here for you every step of the way. For more information about membership or services, please call us at 231-348-7690 or visit our website at stfranciscu.org. Join us today and discover how St. Francis X can help you achieve your financial goals!

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We have ample parking available, including spots reserved for those who need closer access. If you require assistance, our staff is always ready to help. The building is ADA compliant, featuring ramps and other accommodations to ensure everyone can enjoy our services comfortably.

Convenient Operating Hours

We know that life can get busy, so we offer flexible operating hours to fit your schedule. You can visit us Monday, Tuesday, and Thursday from 7:30 AM to 5:00 PM. On Wednesdays, we open a bit later and close at noon, while Fridays extend our hours until 6:00 PM. For those who prefer Saturdays, we're here from 8:30 AM to noon.

Services Available

At St. Francis X, we pride ourselves on providing a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need cash? We have an ATM on-site for quick access to your funds. Plus, our drive-thru service makes it easy for you to handle deposits and withdrawals without leaving your vehicle. While members can visit us at 7681 S State Rd., official correspondence should be sent to the same address as our mailing address is identical. If you have any questions or need assistance, don't hesitate to give us a call at 231-348-7690. Come visit us today and discover how St. Francis X can support your financial journey!

Member Eligibility

Becoming a member of St. Francis X is like joining a close-knit family that truly cares about your financial well-being. We welcome individuals who live, work, worship, or attend school in our community. If you're part of any of these groups, you're already eligible to join us! At St. Francis X, we believe that everyone deserves access to quality financial services that empower them to reach their goals. You can explore all the specifics about eligibility by visiting our website at https://www.stfranciscu.org/st-francis-x-fcu-adopts-new-field-of-membership/. The process of opening an account is designed to be simple and inclusive. Whether you want to set up a checking or savings account, apply for an auto loan, or take advantage of other personal banking services, we are here to help every step of the way. Feel free to give us a call at (231) 348-7690 for any questions you might have! We're excited to welcome you into our community at 7681 S State Rd Harbor Springs Mi 49740!

Business Banking & Commercial Services

Merchant Services That Work for You

In today's fast-paced world, efficient payment processing is vital. Our merchant services offer practical solutions that simplify transactions and enhance customer experiences. From credit card processing to mobile payments, we equip your business with tools that help you thrive. Imagine making sales effortlessly, allowing you to focus on what truly matters growing your business. Visit us at 7681 S State Rd Harbor Springs Mi 49740 in Harbor Springs, MI, or call us at (231) 348-7690 to learn more about how our business banking services can support your goals. Together, let's build a brighter future for your enterprise!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $14 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,534,047, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

If you're a business owner, our offerings extend into the realm of commercial finance as well. With Business Banking solutions including Merchant Services & Business Loans, we aim to empower local businesses like yours to thrive and grow. Our team understands the unique challenges faced by small businesses and is here to provide personalized service.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why at St. Francis X Federal Credit Union, we've invested in Online & Mobile Banking features that allow you to manage your finances anytime, anywhere. You can easily check balances, make transfers, and pay bills right from your smartphone or computer. Plus, our ATM & Cash Withdrawal Services ensure you have access to your funds without any hassle. For those who prefer face-to-face interactions, we also offer a Basic Drive-Thru Banking option for quick deposits and withdrawals. This ensures that you can get in and out efficiently while still receiving excellent service.

Personal Banking Solutions

Our personal banking services are designed to make your life easier. If you're starting out with budgeting or saving for a big purchase, our Checking & Savings Accounts offer flexibility and accessibility. Imagine having a secure place for your funds while earning interest! Additionally, when it comes time to buy that new car, our Auto Loans & Vehicle Financing options can provide you with the financial support you need. We also offer Mortgage Loans & Refinancing, making home ownership more achievable. For those moments when unexpected expenses arise, our Personal Loans & Debt Consolidation services can help ease your financial worries. Plus, if you're interested in building credit while enjoying rewards, check out our Credit Cards with Rewards a great way to earn perks on your everyday purchases.

Reach Out Today!

We invite you to explore all these fantastic services and more at St. Francis X. If you have any questions or would like to learn more about how we can assist you, don't hesitate to give us a call at (231) 348-7690 or visit us online at https://www.stfranciscu.org/. Our dedicated staff is ready and eager to help you achieve your financial goals!

Digital & Online Banking

Convenience On The Go

For those who prefer using their mobile devices, our mobile payments feature allows you to make transactions seamlessly while out and about. And don't worry about accessibility our 24/7 online banking services mean you can bank whenever it suits you best. With St. Francis X's commitment to providing user-friendly digital banking options, managing your finances has never been easier or more secure. Join us today and take control of your banking experience!

Key Services

With our online banking platform, which you can explore at https://www.stfranciscu.org/, you can effortlessly check your account balances, transfer funds, and pay bills all from the comfort of your own home. Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy. Plus, if you're looking to save trees and simplify your statements, we offer e-statements that are always available for you to view.

Security You Can Trust

Your security is our priority. We provide electronic signature authorization for transactions, ensuring that everything is handled securely. With our mobile application, you can manage your accounts right from your smartphone while benefiting from top-notch security measures.

Financial Strength

A Trusted Partner

Net Shares (Funds available for lending and investments): $1,357,507. Total Share and Deposit Accounts: 24,485, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Francis X is your trusted partner. Visit us at 7681 S State Rd Harbor Springs Mi 49740 or call (231) 348-7690 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $32,528,547 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $1,008 in used auto loans and $136,103,121 in total loans and leases.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 24 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $83,620,421 in share certificates and $14,544,811 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $32,528,547, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,357 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $15,979,094 in used vehicle loans and $5,042,399 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you can find a plan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $2,534,047 provide the capital needed to grow and expand your operations. Whether you need funds for equipment purchases or working capital, we're here to support your business ambitions.

Credit Lines

We offer comprehensive credit line options as well, with a total of $30,000,000 available. These lines give you quick access to cash when you need it most without the hassle of traditional lending processes. Our dedicated staff at St. Francis X is ready to assist you every step of the way. If you're interested in learning more about our loan offerings or checking your eligibility for financing options tailored specifically for you, feel free to reach out at 231-348-7690 or visit us at 7681 S State Rd Harbor Springs MI 49740. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey starts here let us help you take the next step!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $3,772,204, giving you the opportunity to invest in your future home. Our experienced team is here to guide you through the process and answer any questions about refinancing or eligibility options.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,394,036 in loans helping members manage their finances effectively. These cards come with benefits that fit various spending habits while providing a reliable way to handle unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You know you're looking at reliable options. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every comparison reflects true market offerings, not influenced by advertising dollars. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions are available, helping users make informed decisions quickly and easily. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective and user-friendly LendMesh can be. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

St Francis X