This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Extra Credit Union Site Go to main content
FacebookGoogle PlusLinkedinRSSTwitterYouTube|

eBanking Login


COVID-19: Need Financial Assistance? Let Us Help! 

Emergency relief options offer cash for groceries, bills, loss of income

In this time of uncertainty during the COVID-19 (coronavirus) pandemic, we want our members to know that Extra Credit Union is here for them—and we are here to help however we can.

As a result of the pandemic, many are without work, have been laid off or have had their hours cut, which is sure to cause much stress and anxiety. 

Here are a few emergency relief options Extra Credit Union has created just for our members to help ease their worries and help them get through this difficult time: 

Emergency Relief Loan

Our Emergency Relief Loan offers up to $15,000 to cover three months worth of income and is based on an individual's monthly gross income {some restrictions apply}. Plus, this loan offers:

  • No payments for 90 days
  • A term of up to 36 months
  • A fixed rate of 4.99%
  • No loan processing fee

The following eligibility requirements apply: 

  • Must be a member for 18 months 
  • Must have two years of income in the same trade 
  • Must be able to provide proof of income (prior to shutdown) 
  • Must have lost income due to COVID-19.   

Ease your stress and apply for Extra Credit Union’s Emergency Relief Loan through one of the following ways, all available 24/7:

  • OnlineClick here to apply NOW with our online loan application
  • eBanking under the “services” tab. Much of your info will be pre-filled and simple to submit—just log in to get started.
  • Call (586) 276-3000 to apply

Skip-a-Pay for a Penny Today 

If you have a loan with Extra Credit Union, you can opt to skip your loan payment for only a penny! You may still be eligible for this offer even if you just skipped your loan payment over the holidays.

We normally restrict our Skip-a-Pay option to be able to be used every six months, however, we know that this is a service that can be very beneficial to our members right now.

Apply for Skip-a-Pay today: 

  • Apply online: Log in to eBanking and select the “services” tab. Click on “skip a loan payment” and much of your information will be pre-filled and simple to submit!
  • Don’t have eBanking? Well why not? Using Extra Credit Union’s eBanking system is the fastest and easiest way to access your account and enrolling is simple! 
    • Go to and look for the gold “eBanking Login” box
    • Click on “Enroll Now” and agree to the Terms of Service
    • Follow the simple instructions to complete the enrollment process—It’s that easy!
  • Apply by Phone: Contact our Call Center at 586-276-3000 and one of our friendly representatives will be happy to help.

If you have other financial concerns, please let us know. We are here to help. We will get through this together—Extra Credit Union is by your side. Contact us at 586.276.3000 or email

Loans Page Overview

Loans are your friends. Embrace them.

Are you fed up, anxious and worried that you won’t be able to get the cash you need to fix your car, remodel your home, consolidate your debt, or pay for your dog’s emergency surgery? Let go of the fear, Extra Credit Union is here.

Nothing is Stopping Us From Lending to You. That’s our motto and we stand by it. We will do all we can to get you the money you need.

Do you:

  • Have blemished credit?
  • Worry that you haven’t yet built credit?
  • Fear being denied a loan?

No matter your loan challenge, Extra Credit Union can help. We know that times are tough. We’ve helped countless people who thought they would never be able to build credit and/or get a loan. At Extra Credit Union, one of our friendly Member Relationship Specialist will provide their expert-based assistance, helping you gain confidence in your finances and build the life that you envision.

Check out our loan FAQs for more information.

*Must be a member of Extra Credit Union. Need more information on who can become a member? Click here for membership requirements.

Go to main navigation