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Sniffin’ around for a good deal?

Yeah, we caught ya! That’s why Extra Credit Union created this “extra” special section for you.

Stop by here often to get the 411 on our latest and greatest promotions:

Get your "Home Sweet Home" with an Extra Credit Union Home Equity Line of Credit.

The equity in your home is the key to your dreams—which door will you open?

A bucket-list European vacation, a new patio or finished basement, even funding your child’s college education—Extra Credit Union’s Home Equity Line of Credit {HELOC} can make your dreams come true—whatever they may be.

Welcome home! Check out the advantages of our Home Equity Line of Credit:

  • No annual fee
  • Access funds from nearly anywhere using a HELOC Debit Mastercard®
  • Easy transfers via eBanking access
  • Rates as low as 6.5%*
  • Use funds for up to five years; and take up to 20 years to repay the loan
  • Borrow between $5,000-$500,000**
  • Minimum payments are as low as 1% of the outstanding balance each month or $50—whichever is greater

Home sweet home just got a little sweeter! Draw $10,000 from your HELOC and close on the loan by June 14 and we’ll cover up to $200 toward the appraisalplus we’ll give you a $50 Lowe’s gift card to kickstart a new project {or pick out some pretty spring flowers}!

What are you waiting for? Start making your dreams come true today!

  1. Complete your application in eBanking under the “services” tab. Much of your info will be pre-filled and simple to submit! Simply log in to get started!
  2. Click here to get started with your online application today.
  3. Call us at (586) 276-3000, option 1

*Advertised promotion is available on lines with a loan-to-value (LTV) ratio of 85% or less. The interest rate is a variable rate. The rate is based on the Wall Street Journal Prime +2% or more based on credit rating (4.50% +2%= 6.50% as of 2/13/2018) calculated one day prior to the change date.

**Minimum line to open is $5,000. Offer valid on new transactions of owner occupied, single family residence only; not available on manufactured homes or rental property. An appraisal is required and the cost is paid for by the borrower. Borrower will receive $200 towards the appraisal if the loan is approved and closed; however a deposit of $200 is required at application. Terms and conditions are subject to change at any time without notice. Offer expires June 14, 2018. We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.

Hey High School Students—LISTEN UP!

Become a new member* or open a new account** by June 29, 2018 and get entered to win Beats by Dre headphones and get a free pair of earbuds!

If you haven't heard being an Extra Credit Union member has perks!

On-the-go checking/savings accounts:

  • Manage your money
  • Make purchases and get cash
  • eBanking App with 24/7 access

Access to loans for:

  • Senior portraits
  • Graduation needs
  • School trips and more!

"Extra" perks:

  • Apply for our Richard J. Spence Scholarship during your senior year
  • Get paid cash for your A's and B's through our Good Grades Pay program

Ready to become a member or open a new account?

Rember to bring $5, your student ID and social security card to one of our local branches.

*Good for new youth savings, youth money market, youth checking, youth loans accounts, or FUTURITY accounts opened for high school students as a result of Credit Union Youth Money. Other accounts not valid to be entered into the drawing. Valid high school ID must be presented to enter the contest. Entry must be submitted at account opening.

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