Member Testimonials

Not to toot our own horns, but we think we’re pretty great! We really strive to go out of our way to give each person that walks through our doors excellent member service, in addition to doing all we can to help them … to really make a difference in their life. We know there is always room to grow, room to get better, and our staff members work hard at that every day.

But don’t take our word for it, listen to what our members have to say:

Debt Crusher Powers 'Light at the End of the Tunnel'
ECU loan relieves stress, helps Utica resident dig out of high-interest debt

Sheila Dill lived fairly comfortably over the past 30 years or so. If she needed something, she’d go out and buy it.

But after retiring six years ago, her income greatly decreased. However, her spending habits didn’t. Typically, her purchases were gradual, but over the past year she incurred a lot of unexpected medical bills, as well.

She went from being able to pay the balance on her credit cards in full each month, then just the minimum amount due, and when she turned to Extra Credit Union for help in January, she wasn’t able to pay even that.

Thankfully, Extra Credit Union came to her rescue by consolidating her high-interest credit cards and medical bills with our Debt Crusher Debt Consolidation Loan program … read more.

Stephen and Carol Zielinski

Life happens to us all in one way or another, as was the case with my wife, Carol, and I. Eventually, “life happening” put us in debt. But my wife and I wanted to take control of our debt, so we began looking for a debt consolidation loan. Unfortunately, because of our past credit issues, we couldn’t get approved for a loan anywhere.

But it was Extra Credit Union’s tagline—Nothing is Stopping Us From Lending to You—that finally got our attention and prompted us to give ECU a call.

The credit union has given us the opportunity to take our extremely high-interest loans and cut them in half. The credit union not only consolidated our debt, but the helpful lending staff also refinanced our vehicle, saving us a total of $600/month. Yes, you read that correctly—$600 per month.

Sean Quinn

I’ve been banking with Extra Credit Union since I was 18 years old. Over the past 17 years, I’ve always come to Extra Credit Union when I’ve needed financial help and I’ve never had any trouble getting that help.

So, of course, when I was thinking about a debt consolidation loan, I naturally came to Extra Credit Union. My wife and I gathered all the info we needed, such as our income and various debts and met with a lender. Everything went great. It was a simple and smooth process.

We were able to consolidate debt and interest from four credit cards with four different rates. Every month, we were paying about $900 on those cards, and that was just covering the minimum payments.

Now, we are paying just over $600 through the debt consolidation loan. We are saving a ton of money each month, paying one interest rate, ECU set up automatic payments so we don’t even have to worry about making the payments, and we have a five-year plan instead of a bunch of minimums with no end in sight.

The Debt Crusher has been very beneficial and I should have done it five years ago. I’ve always had credit cards and it’s always been one thing or another that comes up unexpectedly … a car breaks down, and then this and that, and then you’re $30,000 in debt. Now, things are on the up and up and we’re on the right track.

We can use the $300 in savings every month to pay off the loan quicker or pay a little more on other debt. A couple of bucks a month helps a ton, especially with a 3-year-old … doctor’s visits, clothes, food, gas in the truck—whatever—it can help with a lot. A lot.

It’s a huge stress relief to think you’ve got these credit cards and you are paying close to $1,000, four interest rates, none of the balances are going anywhere, and you’ve been doing it year in and year out. You need professional people to sit down with you and help you figure it out—and Extra Credit Union did. It’s like a weight lifted off your shoulders. And it will be even better in five years when it’s paid off.

I would recommend it to anyone.