Membership is open to ANYONE who lives, works, worships, attends school or regularly conducts business in Emmet, Charlevoix and Cheboygan counties. St. Francis X FCU’s mission is to be the premier provider of financial services for all residents of Northern Michigan. To achieve this goal we will sustain a culture of never-ending improvement, commit to maximum customer value, operate with integrity and honesty in all relationships, actively support our community, and pursue the application of innovations in current and future technologies.