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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:

Holiday Loan

Sure it’s better to give than to receive, but Extra Credit Union’s NEW Holiday Loan actually gives YOU a gift—AND allows you to give for the holidays! With affordable payments and up to nine months to repay, this loan is sure to warm up your holiday season.

PLUS, your Holiday Loan could earn you some “extra credit” this year! Simply apply for a Holiday Loan, make your payments each month and you will be pre-qualified for Extra Credit Union’s Platinum Mastercard®**!

Hurry—the Holiday Loan is only available until January 9, 2019. Apply today and borrow from $500-$2,000 to get the holiday of your dreams—and the credit you deserve.

Applying 24/7 is easy!

*Interest rate for the Holiday Loan is as low as 8.95% and is based on your current credit history. Borrow between $500 and $2,000. Maximum term = 9 months. Offer valid from 11/1/2018-1/9/2019. 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 or restrictions apply.

**To qualify for credit card offer or increased credit limit, all loans must be six through nine months in length and all payments must be made on time. Pre-qualification offer does not constitute a contractual obligation. All applicants must agree to an additional credit check at the end of their Holiday Loan prior to submission for the credit card offer and does not apply if a credit card was opened or limit increased in the last six months. Applicants must meet all requirements for issuance of credit card. Additional restrictions may apply.


Need extra cash for the holidays? Extra Credit Union’s Skip-A-Pay program may be the perfect gift sent straight from the north pole! Apply today to skip your loan payment in December or January to give you the cash you need to make the holidays “extra” cheerful this year.

Applying is easy and can be done online, in person, or by contacting our Call Center today!

  • Apply Online: Log in to eBanking and select the “services” tab. Click on “skip a loan payment” and much of your information will be pre-filled and simple to submit!
    • Don’t have eBanking? Well why not? Using Extra Credit Union’s eBanking system is the fastest and easiest way to access your account and enrolling is simple!

      • Go to and look for the gold “eBanking Login” box
      • Click on “Enroll Now” and agree to the Terms of Service
      • Follow the simple instructions to complete the enrollment process
      • It’s that easy!
  • Apply in Person: Come to one of our branches and speak with a representative. They can help you complete the process online or help you enroll in eBanking.
  • Apply by Phone: Don’t have time to come to the branch? No worries! Contact our Call Center at 877-638-7628 and one of our friendly representatives will be happy to help.

Please advise: If your loan payment comes to us from another financial institution, due to system constraints, your payment will need to be applied to your loan at Extra Credit Union. Once your payment is applied, the credit union will then reverse the payment off your loan and credit your Extra Credit Union account. We apologize for any inconvenience this causes.

*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 arrangements or a skip within the last three months with no more than two skips per year. Eligible loans must be at least six months old, with six consecutive payments and cannot have collateral protection added within the past 12 months. 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. Offer ends 1/9/2019.

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