‘Tis the season for fraud, so always remember, NEVER give out your personal information by email, text, phone. St. Francis X will never contact you and ask you for any personal security or account information.The Credit Union will never call, email or text you to ask for your card number, account number or any other personal information. If you are unsure of who you’re speaking with, please call the Credit Union to confirm. We will be closed Tuesday, December 24th in observance of Christmas Eve (closing at 1pm ET). We will be closed Wednesday, December 25th in observance of Christmas.
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About Us

We make it easy to stay in touch.

We have four convenient branches to serve your needs. Of course, you can always access us through Mobile and Online Banking.

Downtown Branch

224 State Street
Petoskey, MI 49770
231.347.8480
231.348.7699 (fax)

Harbor-Petoskey Branch (M119 Main Office)

2140 M-119
Petoskey, MI 49770
231.348.7690
231.347.4126 (fax)

Harbor Springs Branch

7681 State Road
Harbor Springs, MI 49740
231.526.5980
231.526.6280 (fax)

Rotary Park

1511 US-131
Petoskey, MI 49770
231.348.7690
231.439.1535 (fax)

Branch Hours

All St. Francis X Federal Credit Union offices are full-service facilities with lobby and drive-through access.

Branch Hours
Day Drive-Through Lobby
Monday 7:30 a.m. – 5:00 p.m. 8:30 a.m. – 5:00 p.m.
Tuesday 7:30 a.m. – 5:00 p.m. 8:30 a.m. – 5:00 p.m.
Wednesday 7:30 a.m. – 12:00 p.m. (noon) 8:30 a.m. – 12:00 p.m. (noon)
Thursday 7:30 a.m. – 5:00 p.m. 8:30 a.m. – 5:00 p.m.
Friday 7:30 a.m. – 6:00 p.m. 8:30 a.m. – 6:00 p.m.
Saturday 8:30 a.m. – 12:00 p.m. (noon) 8:30 a.m. – 12:00 p.m. (noon)

ATM Hours

Open 24/7. No access fees for members. ATM services are available at all branches.

Rotary Park

1551 US-131
Petoskey, MI 49770
Phone: 231.348.7690
FAX: 231.439.1535

Harbor Springs

7681 State Road
Harbor Springs, MI 49740
Phone: 231.526.5980
FAX: 231.526.6280

Harbor-Petoskey (M119 Main Office)

2140 M-119
Petoskey, MI 49770
Phone: 231.348.7690
FAX: 231.347.4126

Downtown

224 State Street
Petoskey, MI 49770
Phone: 231.347.8480
FAX: 231.348.7699

Lost/Stolen Visa Card & PIN Reset

Lost/Stolen Card – 231.348.7690 and select Option 9

For After-Hours Declined Transactions — 888.547.0553 (inside U.S.)

For issues outside of the U.S. — call us at 231.348.7690 during business hours

Welcome to the neighborhood. Feel free to drop by any convenient branch or give us call. We’re looking forward to showing you what makes us truly unique.