Credit union · NCUA insured
St. Francis X Federal Credit Union CD Rates
St. Francis X Federal Credit Union’s best CD rate is 4.00% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How St. Francis X Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Petoskey, MI, where St. Francis X Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Francis X Federal Credit Union
3.75%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,021
Share Certificates
Top rate
Nicolet National Bank
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $461
St. Francis X Federal Credit Union CD score
80
CD score
Higher than 51% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where St. Francis X Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.75%APY · 10 terms
Early withdrawals are subject to penalties. Terms for 3 months to 5 years with a minimum deposit of $500. Tiered interest paying higher rates on higher balances. Quarterly dividends and automatic renewal.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.50% | — | 3.50% | $86 |
| 3 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.60% | —3.60% from $100k | — |
| 6 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.40% | — | 3.40% | $169 |
| 6 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.50% | —3.50% from $100k | — |
| 12 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.00% | — | 3.00% | $300 |
| 12 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.25% | —3.25% from $100k | — |
| 13 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.25% | — | 3.25% | $353 |
| 13 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.50% | —3.50% from $100k | — |
| 18 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.15% | — | 3.15% | $476 |
| 18 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.40% | —3.40% from $100k | — |
| 24 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.30% | — | 3.30% | $671 |
| 24 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.55% | —3.55% from $100k | — |
| 25 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.50% | — | 3.50% | $743 |
| 25 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.75% | —3.75% from $100k | — |
| 36 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.45% | — | 3.45% | $1,071 |
| 36 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.70% | —3.70% from $100k | — |
| 48 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.60% | — | 3.60% | $1,520 |
| 48 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.85% | —3.85% from $100k | — |
| 60 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.75% | — | 3.75% | $2,021 |
| 60 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 4.00% | —4.00% from $100k | — |
Sources (2)
All captured Oct 5, 2026
9-Month No Penalty CD
0.30%APY · 1 term
No penalty for early withdrawal. Limited to no more than six transfers and withdrawals per statement cycle to another account or third party. Opening deposit starting at $500.
| Term | APY · Any balance | APY · $25,000 and up | APY · $75,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 9 monthsFirst Tier rate | 0.30% | — | — | 0.30% | $22 |
| 9 monthsSecond Tier rate ($25,000+ balance) | — | 0.35% | — | —0.35% from $25k | — |
| 9 monthsThird Tier rate ($75,000+ balance) | — | — | 0.40% | —0.40% from $75k | — |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.75%APY · 10 terms
Early withdrawals are subject to penalties. Terms for 3 months to 5 years with a minimum deposit of $500. Tiered interest paying higher rates on higher balances. Available as Traditional, Roth, Educational, and SEP IRA wrappers.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.50% | — | 3.50% | $86 |
| 3 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.60% | —3.60% from $100k | — |
| 6 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.40% | — | 3.40% | $169 |
| 6 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.50% | —3.50% from $100k | — |
| 12 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.00% | — | 3.00% | $300 |
| 12 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.25% | —3.25% from $100k | — |
| 13 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.25% | — | 3.25% | $353 |
| 13 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.50% | —3.50% from $100k | — |
| 18 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.15% | — | 3.15% | $476 |
| 18 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.40% | —3.40% from $100k | — |
| 24 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.30% | — | 3.30% | $671 |
| 24 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.55% | —3.55% from $100k | — |
| 25 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.50% | — | 3.50% | $743 |
| 25 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.75% | —3.75% from $100k | — |
| 36 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.45% | — | 3.45% | $1,071 |
| 36 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.70% | —3.70% from $100k | — |
| 48 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.60% | — | 3.60% | $1,520 |
| 48 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 3.85% | —3.85% from $100k | — |
| 60 monthsFirst Tier APY. Early withdrawals subject to penalties | 3.75% | — | 3.75% | $2,021 |
| 60 monthsSecond Tier APY ($100,000+ balance). Early withdrawals subject to penalties | — | 4.00% | —4.00% from $100k | — |
Sources (3)
All captured Oct 5, 2026
Who can join St. Francis X Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, regularly conducts business, or attends school in Emmet, Charlevoix, or Cheboygan counties is eligible to join.
Membership information collected October 5, 2026.