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Credit Cards

Whether you’re building credit, making everyday purchases, or earning rewards, Extra Credit Union’s Mastercard® options work for your unique financial needs. With on-the-spot issuance, no hidden fees, and flexible rewards, our Platinum and Platinum Rewards cards make managing your spending simple and stress-free.

With the Platinum Rewards Card, you’ll earn 1 point for every $1 spent on purchases. There’s no cap on how many points you can earn, and rewards are easy to redeem — just log in to your account or call 855-854-5493 to review the rewards catalog. Points expire after four years if not redeemed.

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Online Banking
No Annual
Fee
No Balance-Transfer
Fee
No Cash-Advance
Fee
Free ECU
ATM Access
Low
Payments
Low Foreign
Fees
Annual
Statement
Reward
Points

Why Choose Extra Credit Union?

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.

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Member Benefits:

We look at your story, not just your score, to give you a fresh start.

Save more, borrow smarter, and keep your money working for you.

Keep more of your hard-earned money where it belongs — in your pocket.

Get one-on-one support from people who know you, not a call center script.

We invest in schools, educators, and local initiatives because when our community thrives, we all thrive.

Enjoy identity theft protection, buyer protection, cell phone coverage, travel discounts, and more through our checking accounts.

Access resources that empower you to make confident financial decisions.

Tap into special discounts and offers through Love My Credit Union Rewards.
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Loan Rates

Check out our competitive rates to find the best loan option for your budget and goals.
Loan Rates

Make a Payment

Easily make a loan payment anytime, anywhere with our secure online payment tool.
Make a Payment

Debt Crusher Program

Feeling buried by high-interest debt? You’re not alone — and you don’t have to face it by yourself. At Extra Credit Union, we created the Debt Crusher Program to give you a way forward. With one manageable monthly payment designed around your budget, we’ll help you take control, pay down what you owe, and finally breathe easier. We’ll even pay off your existing creditors directly — so you can stop stressing about balances and start moving forward.

Debt Crusher is built with you in mind.

  • A clear payoff timeline — no more endless payments or revolving balances.
  • Automatic payments weekly, biweekly, or monthly to fit your cash flow.
  • Personalized guidance from real people who want to see you succeed.
  • Fair, competitive rates that reflect your income and situation.

We’ll start by reviewing your credit report — not to judge, but to understand your history and help you improve your score. Your loan amount is based on your monthly income, so payments are realistic and sustainable. Once approved, we’ll pay your creditors directly and help you close accounts that are keeping you stuck in the debt cycle.

  • One affordable payment, with terms up to 60 months.
  • Automatic payments to make budgeting simple.
  • Loan limits based on income, keeping payments manageable.
  • Extra Credit Union pays your creditors directly, saving you time and stress.
  • Personalized support and a clear path to financial freedom.
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Types of Creditors We Can Pay Off:

Credit card balances, payday lenders, auto lenders, finance companies, retail store accounts, and even medical debt — if it’s weighing you down, Debt Crusher helps lift the burden.
Credit Card Balances
Payday Lenders
Auto Lenders
Finance Companies
Retail/Store Accounts
Medical Debt

Smarter Tools. Better Control. More from Extra Credit Union.

Personal Loans

Borrow for What Matters Most

From debt consolidation to home improvements, our personal loans provide flexible financing options to help you cover life’s expenses with confidence.

Auto Loans

Drive Away with Confidence

Get behind the wheel with our competitive auto loans. Whether you’re buying new or used, we offer flexible terms and great rates to fit your budget.

Youth Loans

Empowering Tomorrow’s Borrowers

Help young members establish credit and financial responsibility with our youth loans. Ideal for first-time borrowers looking to build a strong financial foundation.

Recreational Vehicle Loans

Adventure Awaits – Finance It

With our Recreational Loans, you can hit the road, the water, or the trails. Enjoy competitive rates, an easy application process, flexible payment options, and terms up to 120 months so you can focus on the fun, not the financing.

Your Financial Journey Starts Here

Unlock personalized banking, exclusive rewards, and a community that supports you. Take the next step toward your financial freedom today.

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