Become a Member

Extra Credit Union is operated for members, by members, in the credit union tradition of people helping people. When you become a member, you become part owner. That means we work for you, and it is our pleasure to deliver the personal attention and financial services you deserve.

As an Extra Credit Union member, you join a committed group of people who believe in the power of education to benefit individuals and the community as a whole. We provide support to local schools through our certified K-12 financial curriculum and products like youth loans and in-school branches, staying connected to the needs of our children to nurture a brighter outlook for the future. It is our unique focus on education and our belief in financial literacy that sets our credit union and our membership apart.

We invite you to join us in supporting our local schools, and enjoy all the new benefits that come with your membership—unique advantages like competitive loan rates, lower service fees, higher returns on savings, and truly personal service.

Your Extra Credit Union membership is just a few steps away.

First, check the membership eligibility guidelines below to make sure you qualify

Then, print, complete and sign the membership application

Bring the application to an Extra Credit Union branch along with:

A one-time, non-refundable $5.00 membership fee and your first deposit to open your Regular Savings Account
A copy of a valid driver's license or equivalent picture ID for you and all joint owners
Verification of Social Security Number for you and for all joint owners

Membership Eligibility
You are eligible to become a member when you meet any one of the following qualifications:

Municipalities — Individuals working for the cities of Warren or Center Line. All individuals working for municipalities located within 25 miles of any Extra Credit Union branch may be eligible to join

Educational Associates — Staff, students and alumni of Warren Consolidated, Warren Woods, Center Line, Fitzgerald, Van Dyke, Clintondale, and Chippewa Valley school districts, along with Macomb Community College

Teachers — Teachers in all participating school districts

Retirees — Anyone over the age of 55 who lives in Macomb County or neighboring counties and receives retirement benefits

Organizations — Companies and organizations located within 25 miles of an Extra Credit Union branch can apply for Ambassador Group status, enabling their employees or members to join. If you are an interested business owner or official of an organization, contact us at (586) 276-3000 for more information.

Family and household members — Families of any current Extra Credit Union members, non-relatives living in a current member's household, as well as family members of anyone in the groups mentioned above

For questions or more information about a specific product or service, please call (586) 276-3000 or (877) 638-7628. Or e-mail us at info@extracreditunion.org.

To download the membership application, you need Adobe® Reader® software. You can download it here for free.

The information contained in this web site is believed to be accurate at the time it was posted, and is not intended to be interpreted as direct financial or legal advice. Please contact a financial advisor, attorney or other qualified professional for advice on your personal situation. All information is subject to change without notice. Unauthorized use or reproduction of information contained in this site is strictly prohibited.

Extra Credit Union does not endorse or guarantee the products or information provided on any links to third-party web sites, nor is it liable for products and services advertised on linked sites. Please carefully examine the privacy policies of each site visited, as their practices may differ from Extra Credit Union's privacy policy.