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About Extra
Credit Union

Brighten Your Future

Our Mission

Nothing is stopping us from lending to you. Our goal is to help everyone in the community find success.

We help you:
  • Find solutions to debt and get a better grasp on your finances
  • Approve you for a loan when others may not
  • Get a vehicle to get to work
  • Buy a house or refinance

We do not believe in limitations, whether it is a poor economy, a financial downturn, or a loss. We aim to remove all apprehensions, negativity, and fear from the financial process. We relieve you of your burdens, help you come up with solutions, plan to budget and pay less for everyday expenses, guide you to better credit, and offer you financial opportunities that will brighten your future.

Extra Credit Union
Can Brighten Your Future

Our History & ECU Today

Early beginnings

A small group of educators with $856 in assets founded Extra Credit Union in 1954. The teachers actually operated the credit union in an unused high school classroom. Through a commitment to education, community and service, Extra Credit Union grew, and today has more than 19,000 members and $322 million in assets.

Serving the community

Extra Credit Union is known for its heart to serve by offering help, guidance, counsel, and programs for the entire community. We operate a full-service branch at our state-of-the-art headquarters in Warren and a lending center in Washington Township.

As the only credit union in Southeast Michigan to offer a certified K-12 financial curriculum, we provide hands-on learning, financial fundamentals, and customized services to help students make good financial decisions now for a brighter financial future. Your membership helps support essential school programs and services for teachers.

Join our growing community

We invite you to enjoy the benefits of genuine, personal attention, a true desire to see you succeed, and superior products and services tailored to your life, needs, and financial goals. Apply for membership today and experience the Extra Credit Union difference.

Why a Credit Union?

Credit unions are different from a bank–we’re a bit warmer and fuzzier. The services are the same—checking, savings, loans, etc. The difference is that you, the member, own this organization instead of the suits. We are:
Unlike commercial banks and savings institutions, a credit union has no stockholders. Our earnings are either reinvested into improved services or returned to members through higher returns on savings, reduced loan rates, and fewer/lower service fees. As an Extra Credit Union member, your savings accounts are insured up to $250,000 by the National Credit Union Administration, a federal government regulator and insurer for credit unions.


Career Opportunities

Extra Credit Union is a growing financial institution and an awesome place to work! We’re always interested in meeting talented people who have a passion for helping others.

Imagine using your knowledge, skills and talents to help members reach their life goals. That’s pretty powerful stuff. We regularly have opportunities to expand our dedicated team, and our staff appreciates our competitive compensation and extensive benefits.

We are currently hiring for the following positions: 
Interested in joining our team? We encourage you to come apply in person or email your resume to Maureen Massey, Human Resources Manager, at mmassey@extracreditunion.org.

Contact Us

Email us at info@ExtraCreditUnion.org

Call or text us at (586) 276-3000.

Toll free at (877) 638-7628.

Lost/Stolen Cards?

Please call the JHA Hot Card Center: (888) 297-3416 (within the US) or (206) 389-5200 (outside the US).

Please call the JHA Hot Card Center: (888) 297-3416 (within the US) or (206) 389-5200 (outside the US).

To report a lost or stolen ATM Card, please call Extra Credit Union during normal business hours at (586) 276-3000.

Sign Up for ECU eNewsletter

Get news about the latest at Extra Credit Union and so much more delivered right to your inbox each month.

ATMs and
Shared Branching

Members have FREE access to Extra Credit Union’s ATM 24/7:

  • Main Office: 6611 Chicago Road, Warren, MI 48092
Not near Extra Credit Union? No problem:

Visit the nearly 30,000 nationwide ATMs displaying the CO-OP Network. For a nominal fee, you can visit a credit union family service center located throughout the United States. Use the service centers to make deposits, withdrawals, or even to make credit union loan payments just as you would at Extra Credit Union. Remember to bring your member number and I.D. Search for a location online or by calling 888-748-3266.

Away from your computer?

Find a CO-OP Network surcharge-free ATM from your phone! Text your location—address, intersection or ZIP code—to 91989 and receive an instant message to your phone with the closest surcharge-free ATM.

Credit Union Information

Extra Credit Union’s routing number (ABA) is 272477432.

Main Office

6611 Chicago Road, Warren, MI 48092

Lobby and Call Center Hours:

  • Monday-Tuesday: 9 a.m.-5 p.m.
  • Wednesday: 11 a.m.-5 p.m.
  • Thursday: 9 a.m.-5 p.m.
  • Friday: 9 a.m.-6 p.m.

Drive-Thru Hours:

  • Monday-Thursday: 8:30 a.m.-5:30 p.m.
  • Friday: 8:30 a.m.-6 p.m.
  • Saturday: 9 a.m.-1 p.m.

Washington Township Lending Center

59321 Van Dyke Avenue, Washington Township, MI 48094

Lobby and Call Center Hours:

  • Monday: 9 a.m.-5 p.m.
  • Tuesday: 9 a.m.-5 p.m.
  • Wednesday: 11 a.m.-5 p.m.
  • Thursday: 9 a.m.-5 p.m.
  • Friday: 9 a.m.-5 p.m.

To help you plan your busy days, all Extra Credit Union offices and/or drive-thru windows will be closed on the following days.


  • Monday, January 2 — New Year’s Day
  • Monday, January 16 — Martin Luther King Jr. Day
  • Monday, February 20 — Presidents Day
  • Saturday, May 27 — Drive-thru closed
  • Monday, May 29 — Memorial Day
  • Monday, June 19 — Juneteenth
  • Tuesday, July 4 — Independence Day
  • Saturday, September 2 — Drive-thru closed
  • Monday, September 4 — Labor Day
  • Monday, October 9 — Columbus Day
  • Friday, November 10 — Veterans Day
  • Thursday, November 23 — Thanksgiving Day
  • Friday, November 24 — Open until 5 p.m.
  • Monday, December 25 — Christmas Day


Forms Libary

Click on the button below to complete the form and submit it online. The direct deposit form must be printed and submitted to your employer to complete the direct deposit process.

Account Closure – To close out an account with Extra Credit Union

ATM/Debit Application – To apply for an ATM or debit card for your account

Card Dispute Form – If disputing a transaction noted as Withdrawal Debit Card, Withdrawal/Deposit at ATM or Credit Card LN Advance, please use this form

Courtesy Pay Options for Debit/ATM Card – Use this form to opt in or opt out of Courtesy Pay services on your account

Credit Card Billing Error Form – Use this form to submit a dispute for a billing error

Skip-A-Payment Request Form – Use this form if you need to request to skip a loan payment* (*some restrictions apply)

Direct Deposit – Use this form to complete the direct deposit process

Electronic Funds Transfer Debit Agreement – To set up a scheduled electronic transfer (ACH) from another institution

Electronic Funds Transfer Debit Cancellation – To cancel a scheduled electronic transfer (ACH) from another institution

Member Information Update Form – Use this form to update your (permanent or temporary) home address

Storage Form – Use when a loan’s collateral is being stored and you are removing full coverage insurance during the storage period

Unauthorized ACH Dispute Form – If disputing a transaction noted as Withdrawal ACH, please use this form

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