This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Extra Credit Union Site Go to main content

eBanking Login


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:

The Next Adventure AWAITS!

It’s time to start thinking about your NEXT great adventure!

Will you hit the trails on an ATV, the open road on your motorcycle, or the Great Lakes on your boat? We’re surrounded by Michigan’s natural beauty and the options for adventure are endless!

A Recreational Vehicle Loan from Extra Credit Union is the key to making it all happen—and in comfort and style, too. Whether it’s a new RV, trailer, motorcycle, ATV, dirt bike, boat, personal watercraft, or any other type of recreational vehicle you dream of—Extra Credit Union has a loan for you.

Extra Credit Union offers flexible terms, fair interest rates, and personal service that is second to none. Our lending experts can even get you pre-approved so you know exactly how much you can afford before you start your search.

With rates as low as 3.99% APR* and up to 120 months to repay*, you can start your next adventure today! Plus—members who close on a Recreational Vehicle Loan by June 28, 2023, will get an Emergency Gear Kit** {while supplies last} to take along on their upcoming journeys.

What are you waiting for? The NEXT adventure awaits! Applying is easy:

  • eBanking: Click on/tap the "Apply for a Loan or Share" on the left tab in eBanking {pull-down menu on the mobile app}
  • Online:
  • Call: (586) 276-3000, option 1
  • Visit: Extra Credit Union in Warren

*APR=Annual Percentage Rate which includes a $75 loan processing fee. Recreational vehicle loan terms up to 120 months. Estimated monthly payment of $10.12 per $1,000.00 borrowed. The rate may vary depending on each individual’s credit history and underwriting factors. Additional terms, conditions, and restrictions apply. All Extra Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.

**Hurry! Offer is valid from 3/30/2023-6/28/2023. Good on loans new to Extra Credit Union. Offer stands while supplies last and is subject to change at any time. Applicants must meet loan approval and membership qualifications to receive promotional items.

Make Your STAYcation Even Better Than Your Vacation!

Looking forward to the warmer days and cool evenings that spring brings? Ahhh, so are we! Spring is a great time to buy a new home—or even to spruce up your current home for a STAYcation this year! Whether you’re dreaming of a new home or simply dreaming of upgrades to your existing home, we can help make those dreams come true.

With rental prices increasing every day, now may be the perfect time to buy your dream home! From refinancing your current mortgage to buying your forever home, our Real Estate Team can help—and guide you through the entire process. Extra Credit Union offers a wide range of mortgage options, including FHA, MSHDA, adjustable-rate mortgages, and many more.

If you already love your home, but want to dress it up for spring and beyond, a HELOC may be the perfect funding solution. This loan uses the equity in your home to give you the money for home improvements, your child’s education, a dream vacation—anything you need! Make your home the oasis you’ve always dreamed of, and every day will feel like a STAYcation! HELOC benefits include no annual fee, the use of funds for up to five years with 20 years to repay, and interest rates as low as 8.75% APR**.

Plus—whether you’re closing on your mortgage or drawing at least $10,000** from your HELOC at signing, you’ll receive a $50 Lowe’s gift card* to kickstart your dream plans!

Apply today! Offer ends June 28, 2023:

  • eBanking: Click on/tap the "Apply for a Loan or Share" on the left tab in eBanking {pull-down menu on the mobile app}
  • Online:
  • Call: (586) 276-3000, option 1
  • Visit: Extra Credit Union in Warren

Mortgage questions? Contact our Real Estate Specialist:

*Some restrictions apply. Only one gift card is allowed per loan. Please contact Extra Credit Union for additional details. Offer expires 6/28/23.

**APR=Annual Percentage Rate. 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 +1% APR or more based on credit rating (7.75% + 1% = 8.75% APR as of 2/18/23) calculated one day prior to the rate change date per loan agreement. The maximum APR that can apply is 25%. Credit is subject to approval; not all applicants will qualify. 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, paid for by the borrower, is required. Borrower must carry insurance on the property that secures the loan. Programs, rates, terms and conditions are subject to change at any time without notice. Offer expires June 28, 2023. All other terms, conditions, and restrictions apply.

Go to main navigation