Build Credit and Earn Rewards!

Building credit can sometimes come with some bumps in the road. It’s easy to get caught up in the many offers for credit that can come your way. Who doesn’t like “extra” money, right? But what many don’t see {until it’s too late} are the super high interest rates that make it difficult to pay off your balances, eventually hurting your wallet—and your credit.

It’s time to start building your credit the right way. Extra Credit Union’s Platinum and Platinum Rewards Mastercard® can help you build credit and earn rewards—your first step to financial independence. Our credit card is a great safety net to have in your wallet if and when you need it.

Open your first credit card with Extra Credit Union by January 7, 2026, and you’ll get our lowest rate of 9.95%* for the first 12 months!

Let us help you start building your credit today! Applying for an Extra Credit Union Platinum or Platinum Rewards Mastercard® is easy—and available 24/7:

Online: ExtraCreditUnion.org
eBanking: Visit the “Apply for a Loan or Share” tab on left or the pull-down menu on the eBanking App
Call: (586) 276-3000, option 1
In person: Main Office: 6611 Chicago Rd. in Warren or Washington Township Branch: 59321 Van Dyke Ave. in Washington Township

*APR=Annual Percentage Rate. Lowest rate of 9.95% APR for 12 months from date of account opening. Thereafter, the standard purchase APR will apply to all balances. The current standard non-variable APR for Platinum Mastercard® purchases and cash advances is 9.95% to 17.95% based on credit worthiness at account opening. For Platinum Rewards Mastercard®, the current standard variable interest rate for purchases and cash advances is 15.70% to 21.70% based on credit worthiness at account opening and will vary based on the Prime Rate. Minimum credit score is required for Platinum Rewards Mastercard®. All loans are subject to credit approval. Additional limitations, terms, restrictions and conditions apply. Programs, rates, terms and conditions are subject to change at any time without notice. Offer ends 1/7/2026. Not all applicants will qualify.

Federally Insured by NCUA