St. Francis X Credit Union Petoskey MI | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to St. Francis X Federal Credit Union, your trusted partner in financial services located at 2140 M 119, Petoskey, MI 49770. Established in 1951, we have proudly served our community for over seven decades, building a strong foundation of trust and reliability among our 9,822 members. Our commitment to providing exceptional service is matched by our impressive financial health, with total assets reaching $239,657,051 and total deposits of $2,140,078. At St. Francis X, we understand that every member's financial journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking and auto loans to business financing options. With a total of 4,382 loans and leases made available to our members, we strive to empower you with the resources you need to achieve your goals. Our leadership team is dedicated to ensuring your experience with us is nothing short of exceptional. Under the guidance of CEO Scott Bingaman and Board President Robinson Walker, our team of 25 employees works tirelessly to support you every step of the way. You can count on us for personalized service and expert advice whenever you need it. While members can visit us at our branch location for their banking needs, official correspondence should be directed to the same address: 2140 M 119, Petoskey, MI 49770. We invite you to explore all that we offer through our website at www.stfranciscu.org. Whether you're looking for assistance with savings accounts or exploring loan options, we're here to help. Feel free to give us a call at 231-348-7690 or stop by during our operating hours: Monday, Tuesday, Thursday from 7:30 AM - 5:00 PM; Wednesday from 7:30 AM - 12:00 PM; Friday from 7:30 AM - 6:00 PM; and Saturday from 8:30 AM - 12:00 PM. Join us today and discover how St. Francis X Federal Credit Union can be your trusted partner in achieving your financial dreams!

Branch History & Mission

Community Commitment

St. Francis X isn't just about banking; it's about building relationships and giving back to Petoskey. We actively engage in community outreach initiatives that support local organizations and foster growth within our neighborhood. By partnering with schools and nonprofits, we aim to make a difference beyond financial transactions. While you can visit us at 2140 M 119 for all your banking needs, please note that official correspondence should be directed to the same address as our mailing address: 2140 M 119, Petoskey, MI 49770. As we look towards the future, we invite you to join the St. Francis X family. Experience firsthand how our member-focused approach can help you achieve your financial goals while contributing positively to our community's wellbeing. Together, let's build a brighter tomorrow! For any questions or more information about becoming a member, don't hesitate to reach out at (231) 348-7690 or visit us online at stfranciscu.org.

Our Mission

At St. Francis X, our mission is simple yet powerful: to empower our members and enrich our community. We believe in providing not just financial products but also the support that helps individuals achieve their dreams. Whether it's financing a new car or planning for a home purchase, we strive to be there every step of the way. Our branch operates with extended hours to cater to your busy lifestyle. We're open Monday, Tuesday, and Thursday from 7:30 AM to 5:00 PM; Wednesday until noon; and Friday until 6:00 PM. On Saturdays, we're available from 8:30 AM to 12:00 PM because your convenience is our priority. In addition to traditional banking services, we embrace technology for your ease and accessibility. With features like online banking, mobile payments, and e-statements, managing your finances has never been easier. Plus, our ATM availability ensures you can access cash when you need it most.

Branch Location & Accessibility

A Friendly Invitation

We invite you to come visit us at St. Francis X! Whether you're stopping by for banking services or just want to learn more about what we offer, our friendly team is here to assist you every step of the way. Your financial well-being is important to us let's work together toward your future!

Operating Hours

We want to make sure we're here when you need us! Our lobby hours are designed for your convenience: we're open Monday, Tuesday, and Thursday from 7:30 AM to 5:00 PM, Wednesday until noon, and Friday until 6:00 PM. On Saturdays, you can swing by from 8:30 AM to 12:00 PM. If you have questions or need assistance outside these hours, feel free to give us a call at 231-348-7690.

Services Offered

St. Francis X offers a range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts or planning to finance a new vehicle with our auto loans and vehicle financing options, we've got you covered! You can also take advantage of our mortgage loans and refinancing options or explore our credit cards that come with rewards. For those on the go, our ATM services are available for quick withdrawals and balance checks. And if you prefer a drive-thru experience for deposits or simple transactions, we have that too! While members can visit us at 2140 M 119 for all their banking needs, official correspondence should be sent to the same address as our mailing address is identical.

Member Eligibility

Joining the St. Francis X community means becoming part of a welcoming family that truly cares about its members. If you live, work, or attend school in Emmet County or have a close relationship with an existing member, you're likely eligible to open an account with us! Our goal is to make banking easy and accessible for everyone. We offer various services tailored to your needs, whether you're looking for personal banking solutions, auto loans, or business services. To learn more about the specific eligibility criteria and see if you qualify, please visit our website at St. Francis X Eligibility. Once you've confirmed your eligibility, opening an account at St. Francis X is simple and straightforward! Our friendly staff is here to assist you every step of the way. You can reach us at 231-348-7690 if you have any questions or need further assistance. We look forward to welcoming you into our community at 2140 M 119, Petoskey, MI 49770!

Business Banking & Commercial Services

At St. Francis X, we understand that running a business comes with unique challenges and opportunities. That's why we offer tailored business banking solutions designed to help you thrive. Whether you're starting out or looking to expand, our commercial loan products can give you the financial boost you need. Imagine securing the funds to open a new location or invest in advanced equipment. 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. - With an outstanding commercial loan portfolio of $2,534,047, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, we offer comprehensive merchant services that simplify payment processing. Picture this: Your customers can pay with ease while you focus on what you do best running your business. Our services ensure that every transaction is smooth and secure. Located at 2140 M 119 Petoskey Mi 49770 in Petoskey, MI, we invite you to connect with us today at (231) 348-7690 and explore how we can support your business journey.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our competitive Auto Loans & Vehicle Financing services are designed to help you get behind the wheel without breaking the bank. We offer flexible terms and personalized support to guide you through the process, ensuring that you find a loan that fits your budget.

Business Banking

For small business owners in Petoskey, our Business Banking services include essential offerings like merchant services and business loans. We understand the unique challenges businesses face and are committed to helping you succeed with tailored financial solutions.

Convenient Access

With ATM & Cash Withdrawal Services, accessing your funds has never been easier. Enjoy basic drive-thru banking for quick deposits, withdrawals, and simple transactions without leaving your vehicle. At St. Francis X Federal Credit Union located at 2140 M 119 Petoskey, MI 49770, we are dedicated to making banking convenient for everyone. You can reach us at 231-348-7690 during our operating hours: Monday through Thursday from 7:30 AM to 5:00 PM; Friday from 7:30 AM to 6:00 PM; Saturday from 8:30 AM to 12:00 PM; and closed on Sundays. We invite you to explore all that we have to offer by visiting us online at stfranciscu.org or calling us today! Let's work together towards achieving your financial goals!

Credit Cards with Rewards

Make everyday purchases rewarding with our Credit Cards that come with attractive rewards programs. Whether you're using them for groceries or travel expenses, enjoy benefits that add value back into your wallet.

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and we're here to help you achieve it with our Mortgage Loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our experienced team will work with you every step of the way.

Personal Banking

For those managing day-to-day expenses or planning for future goals, our Personal Banking options include checking and savings accounts that make it easy to handle your finances. Imagine effortlessly tracking your spending and saving through our user-friendly online and mobile banking platforms. You can check balances, transfer funds, and even make payments from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our Personal Loans provide quick access to cash when you need it most. If you're juggling multiple debts, consider our debt consolidation solutions, which can simplify your payments into one manageable monthly bill.

Digital & Online Banking

Key Features

Our members enjoy a variety of helpful features. For instance, electronic signature authorization allows you to sign documents securely without needing to visit us in person. It's as simple as tapping a button! And if you're looking for a way to keep track of your transactions while being eco-friendly, e-statements are available too. If you're on the go, our mobile application is perfect for managing your finances right from your smartphone. You can also make mobile payments easily and quickly, simplifying everyday purchases. Plus, with person-to-person transfers, sending money to friends and family has never been easier.

Security and User Experience

We prioritize your safety with robust security measures in place throughout our digital banking platforms. You can rest assured knowing that your personal information is protected while enjoying the user-friendly interface designed for all ages. At St. Francis X, we believe that managing your finances should be straightforward and accessible. Embrace the ease of digital banking today and experience the freedom it brings to your financial life!

Financial Strength

At St. Francis X, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to highlight our strong financial position, which ensures that your hard-earned money is in safe hands. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 your financial goals with $1,008 in used auto loans and $136,103,121 in total loans and leases. Our operational efficiency is reflected in our $0, 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. Net Shares (Funds available for lending and investments): $1,357,507. Total Share 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 2140 M 119 Petoskey Mi 49770 or call (231) 348-7690 to learn more about how we can help you achieve your financial goals.

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. Whether you're looking for a brand-new vehicle or a reliable pre-owned option, we have flexible financing solutions that fit your budget.

Business Loans

For business owners in our community, our outstanding commercial loans totaling $2,534,047 provide the capital needed to grow and expand your operations. We understand the challenges businesses face and are here to support you with tailored lending solutions. If you're interested in any of our loan products or want more information about refinancing options, please feel free to reach out to us at (231) 348-7690 or visit us at our branch located at 2140 M 119 Petoskey Mi 49770. We're here to assist you every step of the way! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Loans

For those who prefer flexibility, we offer credit lines totaling $30,000,000. This can be an excellent solution for managing larger purchases or unexpected expenses. Additionally, we provide unsecured credit card loans, with a total of $1,394,036 helping members manage their finances effectively. These options come with flexible terms to suit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,772,204, make buying or refinancing simple. We strive to provide competitive rates and personalized service to help you navigate the home-buying process smoothly.

Loan Aggregator

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St Francis X