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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:

COVID-19: Need Financial Assistance? Let Us Help!

Emergency relief options offer cash for groceries, bills, loss of income

In this time of uncertainty during the COVID-19 (coronavirus) pandemic, we want our members to know that Extra Credit Union is here for them—and we are here to help however we can.

As a result of the pandemic, many are without work, have been laid off or have had their hours cut, which is sure to cause much stress and anxiety.

Here are a few emergency relief options Extra Credit Union has created just for our members to help ease their worries and help them get through this difficult time: 

Emergency Relief Loan

Our Emergency Relief Loan offers up to $15,000 to cover three months worth of income and is based on an individual's monthly gross income {some restrictions apply}.

Plus, this loan offers:

  • No payments for 90 days
  • A term of up to 36 months
  • A fixed rate of 4.99%
  • No loan processing fee

The following eligibility requirements apply:

  • Must be a member for 18 months 
  • Must have two years of income in the same trade 
  • Must be able to provide proof of income (prior to shutdown) 
  • Must have lost income due to COVID-19.   

Ease your stress and apply for Extra Credit Union’s Emergency Relief loan through one of the following ways, all available 24/7:

  • Online: Click here to apply NOW with our online loan application
  • eBanking under the “services” tab. Much of your info will be pre-filled and simple to submit—just log in to get started.
  • Call (586) 276-3000 to apply

Skip-a-Pay for a Penny Today

If you have a loan with Extra Credit Union, you can opt to skip your loan payment for only a penny! You may still be eligible for this offer even if you just skipped your loan payment over the holidays.

We normally restrict our Skip-a-Pay option to be able to be used every six months, however, we know that this is a service that can be very beneficial to our members right now.

Apply for Skip-a-Pay 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 by Phone: Contact our Call Center at (586) 276-3000 and one of our friendly representatives will be happy to help.

If you have other financial concerns, please let us know. We are here to help. We will get through this together—Extra Credit Union is by your side. Contact us at (586) 276-3000 or email

Adventure is Calling!

It’s the season of sunshine and the open road. Listen carefully—adventure is calling! Answer the call with a recreational vehicle loan from Extra Credit Union. Whether you dream of a motorcycle, a dirt bike, ATV, or any other type of recreational vehicle, we can help make your dream a reality! Extra Credit Union can help you go off road, too. Want a camper or a boat? Extra Credit Union has you covered.

Before you head out to shop for the recreational vehicle that will lead you to years of adventure, talk to the experts at Extra Credit Union. We can get you pre-approved so you know exactly how much you can afford—which means you can do your research before you buy. You’ll know what you want AND how much you should be paying. Extra Credit Union offers flexible terms, fair interest rates, and personal service that is second to none.

With interest rates starting as low as 2.99% APR* and up to 120 months to pay, we can get you on the road to adventure faster than you think!

Let the adventure begin—apply today!

  • Online: Click here to apply NOW with our online loan application
  • eBanking: Services tab, apply for a loan
  • Call: (586) 276-3000, option 1

*APR=Annual Percentage Rate which includes a $75 loan processing fee. Motorcycle loan terms up to 72 months. Recreational vehicle loan terms up to 120 months. Estimated monthly payment of $9.64 per $1,000.00 borrowed. The rate may vary depending on each individuals’ credit history and underwriting factors. Effective 4/1/2020 through 7/1/2020. All Extra Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.

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