Learn more about account information from Extra Credit Union.
There is no minimum balance requirement. View our Fee and Service Charge Schedule for associated account fees.
As long as you meet any one of the following eligibility qualifications, you can join the Extra Credit Union family!
We honor our roots in the educational sector in Macomb County, that’s why we’re known as “Extra Credit Union.” It has been a pleasure helping those in our community since 1954 so we’ve expanded our membership eligibility to give access to even more people to include:
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.
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:
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.
Access your account information:
Yes, we do. Safe deposit boxes are available at our main office and accessible during lobby hours.
Yes. Some restrictions apply.
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.
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.
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.
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
Unlock personalized banking, exclusive rewards, and a community that supports you. Take the next step toward your financial freedom today.
