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Membership & Banking

People helping people

Become A Member

We believe in the credit union tradition of people helping people, and we do everything we can to help our members.

Become a member to become a part-owner—that’s right, we work for you and deliver the personal attention and financial services you deserve. Benefit from awesome membership perks, including opportunities to help you develop and get on track to fulfill your life plans and get a loan. Plus receive competitive rates, lower service fees, higher returns on savings, and truly personal service.

Membership at Extra Credit Union is open to all who reside, work, worship, or attend schools within the state of Michigan.

Ready To Join?

  • Complete a membership application online or in person at any Extra Credit Union location.
  • When you join, we will need:
    • A one-time, $5 deposit required to purchase a share of membership in the credit union that must be retained in the Primary Savings account at all times;
    • A valid driver’s license or equivalent picture ID for you and all joint owners;
    • Verification of Social Security number for you and for all joint owners.
  • Transferring from another banking or credit union? Switching is easy with our Quick Switch Kit.

Checking Accounts

An Extra Credit checking account gives you tons of added benefits, along with all services you’ve come to love with a standard checking account:

Protect Your Checking Account

Isn’t it embarrassing to get stuck without enough cash at the register? (Awkward!) At Extra Credit Union, you have three different ways to protect your checking account to avoid overdraft fees, and hassles:

Mastercard® Secure Code

MasterCard Secure Code provides advanced security for online shopping when using your Extra Credit Union debit card.


Mastercard Secure Code terms of use agreement.

flexLINE of Credit

This revolving line of credit transfers funds to your checking account to cover a purchase when there are non-sufficient funds (NSF). Repayments are made from the member’s account in which they designate. Apply for flexLINE of Credit to get started.

Overdraft Transfer

If your checking account is overdrawn, funds from another Extra Credit Union account can be automatically transferred to cover the cost (for a fee of $3 per transfer). Call or visit Extra Credit Union to set up this service from the account of your choosing today.

Courtesy Pay*

This overdraft program covers you for overdrafts up to $500 when making purchases, which helps members with checking accounts in good standing to avoid a non-sufficient funds fee, bounced check or late fees. Courtesy pay is automatically added to your account after 90 days, with no application necessary. The program does not automatically apply to ATM withdrawals or purchases at retailers. For Point-of-Sale Pay {allows Courtesy Pay to kick in when making purchases with an ATM or debit card}, you must opt in. If you’re already enrolled in this service and wish to discontinue, you must opt out. The quickest way to enroll or discontinue this service is by logging in to eBanking. Next, select the opt in/opt out Point-of-Sale Pay option under the “services” tab. Or, feel free to call us at (586) 276-3000 for assistance.

* The courtesy pay program is just that, a courtesy, and is not an extension of credit. It does not constitute a written agreement of obligation or a pre-arranged agreement for Extra Credit Union to pay a member’s overdrafts, and we may withdraw the service at any time. Point-of-Sale Pay is not automatically available for ATM withdrawals or PIN-generated debit transactions; you must opt in. Please review the courtesy pay policy or call Extra Credit Union at (586) 276-3000 for complete details.

Bonus Checking

We created FUTURITY checking and savings accounts for 16-24 year olds to introduce you to checking, savings, and building your credit safely and gradually. We bundled together a variety of services to get you established and to help you learn how to use financial tools safely.

FUTURITY checking and savings accounts enable you to:

  • Access your account 24/7 from anywhere
  • Save your money for your college tuition
  • Build your credit for future purchases of a new car or a home
  • Reduce and even reimburse certain service fees
Members 16-17 years old are encouraged to have a parent/guardian on their account. Exceptions can be made for students who do not wish to have a parent/guardian on their account if two of the following criteria are met:
  • The student has a cumulative GPA of 3.0 or higher
  • Student completes the LearningLab+ program at ExtraCreditUnion.org
  • Student sets up direct deposit
Questions? Click here for FUTURITY FAQs and more information.

Savings Accounts

Extra Credit Union offers four flexible savings accounts to help you save for your goals. We can guide you in selecting the one that is best for you. Plus, you can develop a budgeted savings plan by setting up automatic transfers of money to your savings account.

Savings Account

An Extra Credit Union savings account enables you to:

  • Become a member and open your account with a minimum deposit/purchase a share in the credit union of $5
  • Add optional sub-accounts as needed
  • Incur no minimum balance
  • Earn interest that is compounded and paid quarterly on balances that are over $100

Youth Savings Account

A parent, family member, or friend can open a youth savings account for anyone under the age of 17 and help save for their future.

  • Open the account with a one-time, $5 membership deposit, which is required to purchase a share of membership in the credit union
  • Deposits and withdrawals can be made in any amount
  • Account interest is compounded and paid quarterly

Certificates of Deposit

A CD guarantees that you will save for a particular time frame, and that you’ll keep funds in your account without withdrawing any. Choose the amount you want to invest and the period of time to keep the funds on deposit. Remember that the longer the term of your CD, the higher your rate of return.

Certificates of deposit:

  • Are a secure way to invest 
  • Provide a higher and guaranteed interest rate than a savings or money market account
  • Have a minimum balance requirement of $500
  • Offer terms from 180 days to 60 months
  • Enable you to cash in your CD with interest earned or roll it over into another CD when the maturation date arrives
  • Do not allow for early withdrawals

Money Market Account

Would you like your funds to earn more interest than a savings account and have ready access to your funds while they are being invested? Open a money market account. You can make higher dividends based on your savings balance. The higher your savings tier, the more you’re paid.

Here’s how a money market account works:

  • Start with a minimum $5,000 deposit (For the youth money market, the minimum balance is $2,000).
  • A balance between $20,000 and $49,999 earns a higher interest rate
  • A balance of $50,000 and up earns our highest money market interest rate
  • Interest is compounded and paid monthly

* Per federal regulations, transfers or withdrawals from an Extra Credit Union savings account are limited to six per calendar month.

Online Banking

With Extra Credit Union, you can access your accounts whenever and wherever you want: at 2 a.m. after finishing a school project; at 7 a.m. as you sip your coffee before work; or just because.

Extra Credit Union Offers:

  • Banking On The Go
  • eBanking & eBill Pay
  • Other Services
  • Access Your Accounts

Headed to college or moving away for a new job? No worries; we have nearly 30,000 ATMs throughout the country through the CO-OP Network. Yep, that’s more surcharge-free ATMs than just about any bank, anywhere.

Make The Switch

Our Quick Switch Kit makes it easy!

  1. Become a member by completing our membership application online, calling us at (586) 276-3000 or visiting any Extra Credit Union location.
  2. Use our account closure form to close any existing accounts with other financial institutions.
  3. Use the direct deposit form to redirect your payroll check into your new Extra Credit Union savings or checking account. If you receive pension or Social Security checks, be sure to notify the pension provider or government agency, as well.
  4. Use the automatic payment form to notify any companies that currently receive automatic payments from you that you’ve moved your account to ECU.

Love My Credit Union Rewards Program

Extra Credit Union is proud to partner with Love My Credit Union Rewards to offer benefits to our members. Extra Credit Union doesn’t control the functionality, policies, or content on independent sites.

Members can save up to $15 on TurboTax online federal tax products with the credit union member discount through Love My Credit Union Rewards. Click/tap here for more information.

Members can save hundreds on car insurance with the TruStage Auto & Home Insurance Program. Combine auto and homeowner’s coverage and you could save even more. Restrictions apply. See website for complete details.

Switch, save, and get a $50 cash reward from Love My Credit Union® Rewards for each new mobile line activated with Spectrum.

The more offers you take advantage of, the more you save.

eStatement FAQs

eStatements is an online service and electronic statement delivery method that allows you to receive, view, and print your current and past Extra Credit Union account statements. eStatements contain the same information as a paper statement.

You will need access to eBanking via the Internet, an email address, and Adobe Acrobat Reader software installed on your computer.

It’s easy and there a just four steps to follow:

Step1: Log in to eBanking.

Step 2: Click on the Services tab and then select the eStatement Registration option.

Step 3: Select eStatement, under Statement Type. Then enter your valid eMail address. Click, continue.

Step 4: Review the eStatement Agreement and confirm your eStatement Preference Selection. Click submit.

If you receive a monthly or quarterly statement, your next statement will be accessible online at the end of the statement cycle. Every month, you will receive an email reminder when your eStatement(s) are ready to be viewed. This will be close to the first day of the month, and several days before a paper statement would arrive in the mail.

You will be notified via email (sent to the email address you supplied us during registration) that your statement is ready.

No. Once you register for eStatements, you will no longer receive paper statements via U.S. mail.

No. This is an added benefit.

Yes. If you wish to return to paper statements, visit Extra Credit Union or call (586) 276-3000 or toll-free at (877) 638-7628. Depending on the timing of your request, you may receive one electronic statement before your account converts back to mailed paper statements.

If you need any assistance, please call (586) 276-3000 or toll-free at (877) 638-7628.

Account FAQs

ATM deposits are held for a minimum 2-business-day hold. This includes check and cash deposits.

To update your address on your Extra Credit Union account, complete the account change card. This form can be obtained at any of our locations.

There is no minimum balance requirement. View our Fee and Service Charge Schedule for associated account fees.

To make a legal name change, we must receive a completed account change card and be provided with a valid driver’s license or marriage license.

To add a person as a joint party on your account, please send a completed application by mail to:

Extra Credit Union, ATTN: Member Services, 6611 Chicago Road, Warren, MI 48092

Be sure to include your current account number, all completed joint party information (including a copy of the joint parties ID and Social Security card), and signatures from all current account owners as well as the new joint party’s signature.

Yes. Extra Credit Union’s ATMs are part of the CO-OP Network. There are more than 30,000 FREE ATMs available to you throughout the United States, Canada and Puerto Rico on the CO-OP Network.

No. Every member must open a savings account before adding any other type of account. The deposit of $5 represents a member’s share in the credit union and is nonrefundable.

Access your account information:

  • Online using eBanking
  • Personal Anytime Teller (PAT), available at (586) 276-3000, option 2
  • Contact a call center representative by phone at (586) 276-3000 or toll-free (877) 638-7628. Hours are Monday – Tuesday from 9 a.m. – 5 p.m., Wednesday from 11 a.m. – 5 p.m., Thursday from 9 a.m. – 5 p.m., and Friday from 9 a.m. – 6 p.m.

All members are required to open a savings account. There is a $5 deposit required to purchase a share of membership in the credit union that must be retained in the Primary Savings account at all times.

No activation is needed.

To change the PIN on your ATM or Debit Card, contact a call center representative by phone at (586) 276-3000 or toll-free (877) 638-7628. Hours are Monday – Tuesday from 9 a.m. – 5 p.m., Wednesday from 11 a.m. – 5 p.m., Thursday from 9 a.m. – 5 p.m., and Friday from 9 a.m. – 6 p.m.

Your records will show immediate deductions/additions to your account. eBanking will not reflect any transactions that have not yet cleared your account, such as checks written but not yet cleared or pending debit transactions. Your records might not include dividends earned or service fees deducted.

Lost/Stolen Card?
We Can Help.

Lost or stolen checks should be reported as soon as possible at Extra Credit Union or by telephone at (586) 276-3000 or (877) 638-7628.

Call the JHA Hot Card Center: (888) 297-3416 (within the US) or (206) 389-5200 (outside the US).

To report a lost or stolen ATM Card, please call the credit union during normal business hours at (586) 276-3000.

Call the JHA Hot Card Center: (888) 297-3416 (within the US) or (206) 389-5200 (outside the US).

To activate your debit card, contact a call center representative by phone at (586) 276-3000 or toll-free (877) 638-7628. Hours are Monday – Tuesday from 9 a.m. – 5 p.m., Wednesday from 11 a.m. – 5 p.m., Thursday from 9 a.m. – 5 p.m., and Friday from 9 a.m. – 6 p.m.


Those who reside, work, worship or attend schools within the state of Michigan.

Yes, we do. Safe deposit boxes are available at our main office and accessible during lobby hours.

Credit unions are not-for-profit financial institutions that conduct business for the mutual benefit and general welfare of their member-owners. Banks are for-profit financial institutions who conduct business to maximize the price of its stock and profit for stockholders.

To wire funds to Extra Credit Union from another financial institution, you will need to provide the other financial institution with the following information:

  • Extra Credit Union, 6611 Chicago Rd., Warren, MI 48092
  • Routing Number: 272477432
  • The account number you would like the funds transferred to

You may request to close your account in person at Extra Credit Union or by written request. Please be sure to include your signature with your written request for verification.

Mail your request to:

Extra Credit Union, ATTN: Member Services, 6611 Chicago Road, Warren, MI 48092

The routing number (ABA) at Extra Credit Union is 272477432.

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