At Extra Credit Union, we believe banking should be about people — not just numbers. Since 1954, we’ve been dedicated to helping our members take control of their financial future through flexible products, personalized service, and a commitment to financial education. Whether you’re rebuilding credit, saving for something big, or planning for retirement, we’re here to provide the extra support you need, every step of the way.
As a not-for-profit credit union, we put our members first. That means better rates, lower fees, and financial solutions designed to fit real life — not just the bottom line. When you join Extra Credit Union, you become part of a community that cares about your goals and works hard to help you achieve them.
Nothing is stopping us from lending to you. Our goal is to help everyone in the community find success.
We help you:
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.
What began as a small group of dedicated educators pooling their resources has grown into a trusted financial partner for thousands in our community. From our humble start in a high school classroom to serving over 19,000 members today, Extra Credit Union remains true to its roots of putting people and education first.
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.
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.
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.
Our dedicated team is the heart of Extra Credit Union. Meet the friendly professionals who work hard every day to put your needs first and help you achieve your financial goals.
At Extra Credit Union, giving back is at the core of who we are. From supporting local schools and awarding scholarships to bringing financial services directly to neighborhoods with our mobile branch, we’re dedicated to strengthening our community in meaningful ways. Discover how your credit union is making a difference — and how you can get involved too.
Unlock personalized banking, exclusive rewards, and a community that supports you. Take the next step toward your financial freedom today.
