Access to Services

Membership to St Francis FCU is open to all employees, volunteers & retirees of Bons Secours St Francis and their affiliates; members of the medical staff of Bon Secours St Francis and their affiliates and their employees; family members of any credit union member.

“Once a Member, Always a Member”

St Francis FCU offers convenient access to our members 24 hours, 7 days a week through electronic access and our online services.
Lobby, Drive-thru & Night Deposit service is available at our main branch.

Deposit Services

St Francis FCU strives to offer a variety of financial services that will help its members achieve their savings goals and obtain economic well-being. Listed below are the deposit services we have available.

Regular Share (Savings) Account

For as little as $10.00 you can open a regular share account ($5.00 membership fee and $5.00 deposit) and enjoy the membership privileges of the Credit Union. Balances in the regular share accounts of $200 or more will earn a dividend set by the Board of Directors at the end of each quarter. Dividends are paid quarterly based on the average daily balance.

Special Share (Savings) Account

Once you’ve established your regular share (savings) account, you can set up separate sub accounts for whatever purpose you need: vacation; insurance; taxes, etc. These accounts earn dividends just like your regular share account, but the funds are separated to help with your future needs and may be withdrawn as you need them.

Share Draft (Checking) Account

A checking account from St Francis FCU offers you the savings and convenience you want to manage your personal day-to-day finances. The Credit Union offers three types of account: “Free Checking”; “Premium Checking”; and “Prime Checking”. You may also apply for Overdraft Protection to cover those occasional checkbook errors and prevent returned items.

Christmas Club Share (Savings) Accounts

Open a Christmas Club share (savings) account to save for that special time of year. Funds in the Christmas Club account are transferred to your St Francis FCU savings account on November 1st each year. No minimum balance to open. Withdrawals are allowed but you will be charged a fee as disclosed in the Fee Schedule for each withdrawal. Dividends are based on the average daily balance and are determined by the Board of Directors at end of the Christmas Club year.

Share Certificates

St Francis FCU offers 3, 6 and 12 month Share Certificates with a minimum deposit of $500. We also offer a 12 month Jumbo Share Certificate with a minimum deposit of $5,000. Dividends are credited quarterly. A penalty will be imposed on withdrawals prior to maturity.

Loan Products

St Francis FCU strives to offer a variety of loan products that will help its members obtain loans at reasonable rates and in most cases reward those members who fully utilize our products and services with even better rates. We seek to help as many members as possible while maintaining a quality loan portfolio.

St Francis FCU offers the following loan products:

  • Car/Truck Loans (New & Used)
  • Boat/RV Loans (New & Used)
  • Farm Equipment Loans (New & Used)
  • Motorcycle Loans (New & Used)
  • Bill Consolidation Loans
  • Overdraft Protection Loans (ODPL)
  • Credit Builder Loans/Share Secured Loans
  • Vacation Loans
  • Tuition Loans
  • Home Improvement Loans
  • Christmas Loans
  • Signature Loans
  • VISA® Credit Cards
  • First Mortgage Loans (through a third party)

Other Services

St Francis FCU offers a number of other services to assist our members:

Free Internet Branching

Access your account 24 hours a day, 7 days a week, through our internet branching system. It’s a great way to stay in touch with your money. Internet Branching allows our members to do inquiries and transactions on their credit union accounts, as well as update contact information. This is a free service for our members, so contact the Credit Union today for more information.

Free Electronic Bill Pay

Electronic Bill Paying allows you to pay your bills online, no need to write checks or mail your payments. You can schedule one-time payments or recurring payments. Payments may be scheduled as far as 1 year in advance. Use the enrollment form on the E-Branch site or call the Credit Union to enroll in Electronic Bill Paying.

Visa® CheckCard

St Francis FCU’s Visa® Check Cards are available with our share draft (checking) accounts and allow you to make cash withdrawals, transfer funds and make balance inquiries from your share (savings) or share draft (checking) account 24 hours a day, 7 days a week. These Visa® Check Cards can be used at any ATM but are “surcharge free”, if used at ATMs with the Co-Op Network logo. You may go to and check for locations within your zip code area.

Direct Deposit

Direct Deposit enables you to have all of your paycheck, Social Security check or other recurring government check automatically deposited at your credit union account on payday. This eliminates standing in line to deposit your check or worrying about your check being lost or stolen if you’re out of town.

Payroll Deduction

Take a portion of your paycheck and have it automatically deposited to your share account. Most members find payroll deduction the most convenient method for saving and making loan payments. Available only to current BSHSI St Francis employees.

Notary Service

A Notary Public is available in our office to notarize documents presented with proper identification. This service is available to members at no charge.

Visa® Gift Cards

When it comes to figuring out the “Perfect Gift”… gift cards are magical! Gift cards are safer that cash, easy to use, and can be used anywhere Visa® cards are accepted.

Discount Ticket Programs

We offer a variety of discount tickets for our members including movies, Biltmore House, Riverbanks Zoo, Dollywood, and Carowinds.

NADA Auto Value Guides

We can help you get the best price for that new or used car and get the most value for your trade in by utilizing NADA auto guide values.

Deluxe Checks

Order your checks online direct with Deluxe’s check reorder service (you must order through the credit union the 1st time).

GAP Protection

The Guaranteed Auto Protection (“GAP”) Insurance pays, subject to terms of the policy, the difference between your insurance company’s settlement in the event of a total loss from accident or theft, and your loan balance. Plus if a GAP claim is filed, you will receive a $1,000 toward the purchase of your next vehicle if you finance it at the Credit Union.

Credit Life and/or Credit Disability Insurance

This insurance is available to assist in paying off (in the case of Credit Life) or in making payments (in the case of Credit Disability) on your loan should you suffer a tragic occurrence. This insurance is offered through CMFG Life Insurance Company.

Life Insurance and Accidental Death & Dismemberment (AD&D) Insurance

Insurance is sold by CUNA Mutual Insurance Society. This insurance is not a deposit and is not federally insured or guaranteed by your credit union.

Extended Warranties

We have a variety of extended warranty plans available on both new and used autos through our partnership with Old Republic Insurance Company. Check with us before you purchase that extended warranty through the dealership because our plans can usually save you money.

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