‘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 invite you to be part of our family.

You probably think there’s a bunch of rules about joining a credit union. Not really. It’s actually pretty simple: If you live, work, worship, attend school or regularly conduct business in Emmet, Charlevoix and Cheboygan counties, you’re in. It takes just $5.00 to get started with a Share Savings account, then the sky’s the limit.

Map of Charlevoix, Emmet and Cheboygan counties

You can even open an account and fund it online so you can join quickly and easily. Or feel free to stop by any branch. We love getting to know our members.

Individual Membership

Checking/Savings Account

Debit/ATM Card

Welcome to the neighborhood. If you have any questions about membership, feel free to drop by any convenient branch or give us a call. We’re looking forward to showing you what makes us truly unique.