At Extra Credit Union, banking is more than transactions — it’s about building trust, confidence, and opportunities for every member. Whether you’re managing everyday expenses, saving for the future, or looking for higher-yield options like money market accounts and CDs, we’re here with solutions designed around you.
From checking and savings to specialized accounts that help you rebuild credit or reach new milestones, every service we offer is secure, convenient, and focused on what matters most: helping you achieve your financial goals with confidence.
Manage Your Money with Ease
Stay on top of your finances with our hassle-free checking accounts. Enjoy features like no minimum balance, online and mobile banking, and convenient debit card access to keep your money within reach.
Build Your Savings, Secure Your Future
Start saving for what matters most with our range of savings accounts. Earn competitive interest rates while keeping your funds accessible and secure.
Higher Returns, Flexible Access
Grow your savings with our money market accounts. Enjoy higher interest rates than traditional savings accounts while still having access to your funds when you need them.
Guaranteed Growth Over Time
Lock in your savings and watch them grow with our CDs. Choose from a variety of terms and rates, ensuring your investments work harder for you.
At Extra Credit Union, you're more than just a customer—you're a member-owner. We prioritize your financial well-being by offering personalized service, competitive rates, and a suite of benefits designed to help you achieve your goals.
At Extra Credit Union, we believe it’s never too early to start building a strong financial foundation. That’s why our youth accounts are designed to grow with your child — from their very first savings deposit to learning how to manage money as young adults. Each stage is filled with fun, educational, and rewarding experiences that help instill smart habits, build confidence, and prepare them for lifelong financial success.
Introduce your little ones to the joy of saving with a youth savings account that earns interest and comes with a fun welcome gift—including a tote bag, cape, coin bank, and activity book.
Designed for budding savers, this account rewards good grades with cash deposits and includes a cool welcome kit featuring a drawstring bag, coin bank, color-changing pencil, and inflatable guitar.
Perfect for pre-teens and teens, this account offers interest earnings, "Good Grades Pay" incentives, and a welcome pack with a drawstring bag, color-changing pencil, and water bottle.
Our FUTURITY checking and savings accounts help young adults build credit, manage finances, and save for big goals like college or a car—all with 24/7 account access and reduced fees.
Empower your child with the Greenlight debit card and app, teaching budgeting, saving, and smart spending—all under your supervision. Extra Credit Union members enjoy free access to the Greenlight SELECT plan when linking their ECU account.
From personal loans to auto financing and credit cards, Extra Credit Union has flexible lending solutions to fit your life. Whether you’re planning a big purchase or need quick access to cash, we’re here to help with competitive rates and personalized service.
Have questions about banking with Extra Credit Union? We’ve got you covered. Explore our FAQs to find quick answers about accounts, services, fees, and more.
We’ve made registering your new account easy, too! Simply go to www.eClubOnline.net, input the access code MI833135, and follow the simple steps to register your account and activate all your benefits. You can also register your account by phone at 866-210-0361. After you register, make sure you download the eClub mobile app on your phone to stay connected to your benefits wherever you go!
We can tell that you’re ready to switch over from your financial institution to Extra Credit Union. It’s super easy to make the switch, especially when you use our quick switch kit.
Just follow these easy steps:
As long as you meet any one of the following eligibility qualifications, you can join the Extra Credit Union family!
We honor our roots in the educational sector in Macomb County, that’s why we’re known as “Extra Credit Union.” It has been a pleasure helping those in our community since 1954 so we’ve expanded our membership eligibility to give access to even more people to include:
Unlock personalized banking, exclusive rewards, and a community that supports you. Take the next step toward your financial freedom today.
