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Need to Get Crackin’ on Your Holiday Shopping?

It's time to get crackin' on yoru holiday shopping! Apply today and borrow from $500-$2,000 and start sprinkling in the magic for the holidays! Hurry—offer ends January 3, 2024!

ECU has two great options for your holiday cash!


Need cash for holiday gifts? March on down to Extra Credit Union! We have the perfect solution to make your fairytale holiday dreams come true!

Don’t let the financial stress of purchasing holiday gifts and stocking stuffers for your loved ones put the squeeze on your plans. Extra Credit Union’s holiday loan gives you the cash you need to go nuts for the holidays—trim the tree, deck the halls AND stuff the stockings for everyone on your list!

Here’s the scoop in a nutshell—with our Holiday Loan, you have up to twelve months to repay and affordable paymentsmixing in even more joy this holiday season! What a treat—this loan can help you make this holiday season one of the sweetest yet! But don’t wait until the stroke of midnight—the clock is ticking, because the Holiday Loan is only available until January 3, 2024. Apply today and borrow from $500-$2,000—and start sprinkling in the magic for the holidays!

Special Holiday Bonus! When you apply for our holiday loan, you will get a credit review and could be eligible for a pre-approved Extra Credit Union’s Platinum Mastercard®! Already have our credit card? Great! We may be able to increase your credit limit to make your holidays even more jolly!

The holidays are going to be snow much fun! What are you waiting for!?

Applying for a holiday loan is easy and available 24/7:

  • Complete your application in eBanking. Much of your information will be pre-filled and simple to submit—just log in to get started.
  • Call (586) 276-3000
  • Visit us at our Main Office at 6611 Chicago Rd in Warren or our NEW Washington Township Lending Center at 59321 Van Dyke Ave.

Annual Percentage Rate (APR) for the Holiday Loan is fixed at 16.95%. Borrow between $500 and $2,000. Maximum term = 12 months. For a $1,500.00 loan for a term of 12 months with a 16.95% APR, the monthly payment will be $136.81. Offer valid from 11/01/2023-1/3/2024. All loans are subject to credit approval. Must meet membership eligibility requirements, account must be in good standing and applicant must be at least 18 years of age or older. Other terms, conditions, and restrictions apply. Programs, rates, terms, and conditions are subject to change without notice.

Skip-a-Pay is Here!

Oh, nuts! Extra Credit Union’s Skip-A-Pay program may be just what you need to get crackin’ on your holiday shopping and cross off everyone on your holiday list.

We want your holiday to be all it’s cracked up to be—and we have an offer so great it will make your jaw drop! Ease your worries and opt to skip your loan payment* in December or January to get the cash you need to make the holidays “extra” sweet. Applying is easy and can be done online within eBanking, in person, or by contacting our Call Center today.

{Insert your twirling and leaping for joy here!}

Complete the process online:

  1. Open your eBanking App or visit ExtraCreditUnion.org to log in to eBanking, tap/click on the menu, and select the “payments” tab.
  2. Tap/Click on “skip a loan payment” and much of your information will be pre-filled and simple to submit!

Don’t have eBanking? Using Extra Credit Union’s eBanking platform is the fastest and easiest way to access your account—and enrolling is simple!

  1. Go to ExtraCreditUnion.org and look for the white “eBanking Login” box.
  2. Click on “Enroll Here” and agree to the terms of service.
  3. Follow the simple instructions to complete the enrollment process—it’s that easy!

Apply in person: Visit us and a friendly representative can help you complete the process online or help you enroll in eBanking.

Apply by phone: Don’t have time to come to come see us in person? No worries! Contact our Call Center at (877) 638-7628 and one of our friendly representatives will be happy to help.

*Skip-A-Pay is available on all loans excluding real estate, flexLINE, Extra Quick Loan, Platinum and Platinum Rewards Mastercard®, youth loans, balloon loans, and any loan with current collection arrangements or a skip within the last three months or two skips within a 12-month period. Eligible loans must be current, at least two months old, with two consecutive payments. A signed Skip-A-Pay request form or an online submission must be received by Extra Credit Union on or before the loan due date for the payment to be skipped. Additional terms, conditions, and restrictions apply. Programs, rates, terms and conditions are subject to change without notice. Offer ends 1/3/2024.

Federally Insured by NCUA

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