‘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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Savings Rates

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See how much you can earn.

The following tables allow you to compare and contrast what you can earn from our fantastic savings products. All of our savings accounts are tiered to help you earn even more on larger deposit balances.

All rates are current as of December 21, 2024.

Health Savings Rates
Account Type First Tier APY* Second Tier APY*
($5,000+ balance)
Third Tier APY*
($10,000+ balance)
HSA Checking 0.10% 0.15% 0.20%
Savings Rates
Account Type First Tier APY* Second Tier APY*
($25,000+ balance)
Third Tier APY*
($75,000+ balance)
Share Savings 0.05% 0.10% 0.15%
Money Market Savings 0.10% 0.15% 0.20%
IRA Share 0.15% 0.20% 0.25%
Money Market Checking 0.05% 0.10% 0.15%
9-Month No Penalty CD 0.30% 0.35% 0.40%
CD & IRA CD Rates
CD & IRA CD Terms** First Tier APY* Second Tier APY*
($100,000+ balance)
3 Months 4.00% 4.10%
6 Months 3.90% 4.00%
12 Months 3.00% 3.25%
13 Months 3.75% 4.00%
18 Months 2.50% 2.75%
24 Months 2.50% 2.75%
25 Months 3.50% 3.75%
36 Months 2.50% 2.75%
48 Months 2.50% 2.75%
60 Months 2.75% 3.00%
*

APY=Annual Percentage Yield.

**

Early withdrawals are subject to penalties.

Welcome to the neighborhood. If there is anything else you’d like to know about our Savings Rates, 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.