‘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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Loan Rates

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Consumer Loan Rates

Prime = 7.75% APR | Current as of December 21, 2024

New Auto, Truck & Motorcycle (Boat, Camper, RV, ATV or PWC loans are the rate shown plus a 0.50% APR premium)
Term	APR*
60 months or less	6.00%
61-72 months	6.25%
73-84 months	6.50%
85-96 months	6.75%
97-120 months	7.00%

Personal/Signature, Line of Credit & Credit Card
Loan Type	APR*
Signature/Line of Credit	10.99%
Credit Card	Prime + 4.00%

Home Loans**
Term	APR*
5 Years	6.00%
7 Years	6.25%
10 Years	6.50%
15 Years	6.75%
20 Years	7.00%
30 Years	7.25%

Vacant Land Loans**
Loan Type	APR*
Vacant Land	7.75%

Home Equity – Adjustable Rate**
Term	APR*
3/3 ARM (30-Year Term)	6.25%
5/5 ARM (30-Year Term)	6.50%
7/7 ARM (30-Year Term)	6.75%
3/3 ARM (15-Year Term)	5.75%
5/5 ARM (15-Year Term)	6.00%
7/7 ARM (15-Year Term)	6.25%

*

APR = Annual Percentage Rate. Rates listed are “as low as” depending on credit score.

**

Other terms and conditions may apply.

If you're ready to get started you can become a member online right now. Or feel free to stop by any convenient branch or give us a call at 231.348.7690, or toll-free at 866.890.3670.