Last Updated: 01/21/2026
St. Francis X FCU Health Savings Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.10% - 0.20%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
St. Francis X FCU Health Savings Account Review
The St. Francis X FCU Health Savings Account is offered by St. Francis X Federal Credit Union, a credit union founded in 1951 and based in Petoskey, MI. St. Francis X FCU Health Savings Account is available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- Higher than average APY. St. Francis X FCU Health Savings Account has an annual percentage yield of up to 0.20% (depending on balance), which is higher than the national average interest rate on savings accounts.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. St. Francis X FCU Health Savings Account does not charge fees on ATM transactions within its network but there is a fee of $1.00 for out-of-network ATM transactions .
St. Francis X FCU Health Savings Account Pros & Cons
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St. Francis X FCU Health Savings Account FAQ
Are checking accounts from St. Francis X Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does St. Francis X FCU Health Savings Account offer?
St. Francis X FCU Health Savings Account offers an APY starting at 0.10% and ranging up to 0.20% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.10% - 0.20% |
What are the account minimums for St. Francis X FCU Health Savings Account?
St. Francis X FCU Health Savings Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does St. Francis X FCU Health Savings Account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $1.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $26.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $26.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does St. Francis X FCU Health Savings Account charge overdraft fees?
Yes, St. Francis X FCU Health Savings Account charges a $26.00 fee for every overdraft.What features and perks does St. Francis X FCU Health Savings Account offer?
This account includes the following features:
- Mobile Banking Services - St. Francis X FCU Health Savings Account allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for St. Francis X FCU Health Savings Account?
The customer support email for St. Francis X FCU Health Savings Account is homebanking@stfranciscu.org.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:00PM
Tuesday
8:30AM - 5:00PM
Wednesday
8:30AM - 12:00PM
Thursday
8:30AM - 5:00PM
Friday
8:30AM - 6:00PM
Saturday
8:30AM - 12:00PM