This branch of St. Francis X is located at 7681 S State Rd in Harbor Springs, Michigan, and can be reached at (231) 526-5980. St. Francis X is a federally insured financial cooperative serving the Harbor Springs, Michigan community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Harbor Springs or review your personal loan options.
Profits are returned to members via better rates & lower fees.
Local decision making and support for the Harbor Springs area.
No-cost share draft accounts (checking) with no monthly maintenance fees.
7681 S State Rd
Harbor Springs, MI 49740-9617
The credit union lobby is currently closed.
Today: 8:30am-12pm
| Sunday | Closed |
| Monday | 8:30 AM - 5:00 PM |
| Tuesday | 8:30 AM - 5:00 PM |
| Wednesday | 8:30 AM - 12:00 PM |
| Thursday | 8:30 AM - 5:00 PM |
| Friday | 8:30 AM - 6:00 PM |
| Saturday | 8:30 AM - 12:00 PM |
24/7
Membership at St. Francis X is typically open to individuals who live, work, worship, or attend school in Harbor Springs and surrounding areas.
We recommend contacting the branch at (231) 526-5980 to confirm your eligibility before visiting.
Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.
Like most credit unions, St. Francis X typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:
Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.
Field of membership typically includes residents of Harbor Springs, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.
3 additional branches in 1 state
Looking for credit unions near me in other Michigan cities? Browse credit unions in nearby locations:
To borrow from St. Francis X Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can connect with online lenders serving Michigan. Applying is quick, and funds may be available as soon as the next business day after approval.
Fast Fair Loans is not a lender, does not make credit decisions, and cannot guarantee loan approval or amount. Loans are not available in all states.