St. Francis X Mortgage, Auto Loan, HELOC & Personal Loan Rates & Who Can Join

As of July 10, 2026, St. Francis X offers a 30-year-fixed mortgage at 6.25% APR (6.25% rate, 0 points). Auto loans available from 5% APR. HELOC rates from 5.25% APR. Personal loan rates from 9.99% APR.
Source: RateAPI.dev, verified from St. Francis X's official website

Who Can Join St. Francis X

Membership eligibility from St. Francis X's own published criteria. How we verify this.

Community charter: live/work in Emmet, Charlevoix, Cheboygan

LocationEmmet, Charlevoix, Cheboygan

Verified from St. Francis X's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 10, 2026

30-year-fixed

6.250% APR

Rate6.250%

Points0

[PROMOTIONAL] Home Loan - 30 Years

15-year-fixed

4.750% APR

Rate4.750%

Points0

[PROMOTIONAL] 3/3 ARM (15-Year Term)

15-year-fixed

5.000% APR

Rate5.000%

Points0

[PROMOTIONAL] 5/5 ARM (15-Year Term)

15-year-fixed

5.250% APR

Rate5.250%

Points0

[PROMOTIONAL] 7/7 ARM (15-Year Term)

15-year-fixed

5.750% APR

Rate5.750%

Points0

[PROMOTIONAL] Home Loan - 15 Years

cd_18mo

2.500% APR

Rate2.500%

Points0

18 Months CD

cd_24mo

2.500% APR

Rate2.500%

Points0

24 Months CD

cd_36mo

2.500% APR

Rate2.500%

Points0

36 Months CD

cd_48mo

2.500% APR

Rate2.500%

Points0

48 Months CD

cd_60mo

2.750% APR

Rate2.750%

Points0

60 Months CD

cd_12mo

3.000% APR

Rate3.000%

Points0

12 Months CD

cd_25mo

3.000% APR

Rate3.000%

Points0

25 Months CD

cd_13mo

3.250% APR

Rate3.250%

Points0

13 Months CD

cd_6mo

3.400% APR

Rate3.400%

Points0

6 Months CD

cd_3mo

3.500% APR

Rate3.500%

Points0

3 Months CD

Auto Loan Rates

Rates as of July 10, 2026

auto_new_60mo

5.000% APR

Rate5.000%

[PROMOTIONAL] New Auto, Truck & Motorcycle - 60 months or less

auto_new_72mo

5.250% APR

Rate5.250%

[PROMOTIONAL] New Auto, Truck & Motorcycle - 61-72 months

auto_new_60mo

5.500% APR

Rate5.500%

[PROMOTIONAL] New Auto, Truck & Motorcycle - 5 Year Adjustable

auto_new_84mo

5.500% APR

Rate5.500%

[PROMOTIONAL] New Auto, Truck & Motorcycle - 73-84 months

auto_new_96mo

5.750% APR

Rate5.750%

[PROMOTIONAL] New Auto, Truck & Motorcycle - 85-96 months

auto_new_120mo

6.000% APR

Rate6.000%

[PROMOTIONAL] New Auto, Truck & Motorcycle - 97-120 months

HELOC Rates

Rates as of July 10, 2026

heloc

5.250% APR

Rate5.250%

[PROMOTIONAL] Home Equity 3/3 ARM

heloc

5.500% APR

Rate5.500%

[PROMOTIONAL] Home Equity 5/5 ARM

heloc

5.700% APR

Rate5.700%

[PROMOTIONAL] Home Equity 7/7 ARM

Personal Loan Rates

Rates as of July 10, 2026

ploc_variable

9.990% APR

Rate9.990%

[PROMOTIONAL] Signature/Line of Credit

Frequently Asked Questions

What rates does St. Francis X offer?

St. Francis X currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 10, 2026 directly from the credit union's official website.

How often are St. Francis X rates updated?

RateAPI verifies St. Francis X's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 10, 2026.

Where does RateAPI get St. Francis X's rate data?

Rate data is collected directly from St. Francis X's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is St. Francis X's mortgage rate?

As of July 10, 2026, St. Francis X offers a 30-year-fixed mortgage at 6.25% APR.

What is St. Francis X's auto loan rate?

As of July 10, 2026, St. Francis X offers auto loans from 5% APR.

Related Rate Data

Compare St. Francis X's rates against national credit-union benchmarks.

More Michigan credit unions Mortgage rate benchmark Auto loan rate benchmark HELOC rates Personal loan rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for St. Francis X
curl "https://api.rateapi.dev/credit-unions/michigan/st-francis-x" \
  -H "Authorization: Bearer YOUR_API_KEY"

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