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Our History & ECU Today

We weren’t just born yesterday

Our 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 20,000 members and $221 million in assets.

Serving the community
Extra Credit Union is known for its heart to serve through offering help, guidance, counsel, and programs for the entire community. We operate two full-service branches, which includes our state-of-the-art headquarters in Warren and our Sterling Heights branch location.

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. We support our teachers with many different opportunities, as well. Your membership helps support these essential school programs.

We honor our roots in the educational sector in Macomb County, which is why we’re known as “Extra Credit Union” {get it? “Extra Credit” and “Credit Union”? We’re pretty witty, huh?}. It has been a such a pleasure helping those in our community that we’ve expanded our membership eligibility to give access to even more people to include:

Those who reside, work, worship or attend schools within the Michigan counties of Macomb, Oakland, Wayne, and St. Clair.

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.

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