Credit union · NCUA insured
St. Francis X Federal Credit Union Savings Rates
St. Francis X Federal Credit Union’s best savings rate is 0.10% APY on $10,000, with its Money Market Savings. Rates checked October 16, 2026.
How St. Francis X Federal Credit Union’s savings 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
0.10%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $10
Money Market Savings
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
Northland Area FCU
1.66%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $166
St. Francis X Federal Credit Union savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.20%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
| $25,000 and up | 0.15% | — |
| $75,000 and up | 0.20% | — |
Sources (1)
- stfranciscu.org/bank/savings-rates · captured Sep 24, 2026
Money Market Checking
0.05%APY
Annual Interest Yield (APY) is earned by keeping a minimum daily average of $5,000 or more in the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAnnual Interest Yield (APY) is earned by keeping a minimum daily average of $5,000 or more in the account. | 0.05% | $5 | Annual Interest Yield (APY) is earned by keeping a minimum daily average of $5,000 or more in the account. |
| $25,000 and upAnnual Interest Yield (APY) is earned by keeping a minimum daily average of $5,000 or more in the account. | 0.10% | — | Annual Interest Yield (APY) is earned by keeping a minimum daily average of $5,000 or more in the account. |
| $75,000 and upAnnual Interest Yield (APY) is earned by keeping a minimum daily average of $5,000 or more in the account. | 0.15% | — | Annual Interest Yield (APY) is earned by keeping a minimum daily average of $5,000 or more in the account. |
Sources (2)
All captured Sep 24, 2026
Share Savings
0.05%APY
Requires a minimum balance of $5.00. Dividends are earned and paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000First Tier APY. | 0.05% | $5 | First Tier APY. |
| $25,000 – $75,000Second Tier APY ($25,000+ balance). | 0.10% | — | Second Tier APY ($25,000+ balance). |
| $75,000 and upThird Tier APY ($75,000+ balance). | 0.15% | — | Third Tier APY ($75,000+ balance). |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share
0.15%APY
Available as Traditional, Roth, Educational, SEP IRAs, and Trust Shares.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000First Tier APY. | 0.15% | $15 | First Tier APY. |
| $25,000 – $75,000Second Tier APY ($25,000+ balance). | 0.20% | — | Second Tier APY ($25,000+ balance). |
| $75,000 and upThird Tier APY ($75,000+ balance). | 0.25% | — | Third Tier APY ($75,000+ balance). |
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.