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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:

Sweeten up The Holidays!

Need some dough for holiday gifts? Extra Credit Union has the perfect solution to sweeten up your holiday season! Don’t let the financial stress of purchasing holiday gifts and stocking stuffers crumble your plans for the perfect Christmas with your loved ones. Extra Credit Union’s Holiday Loan gives you the cash you need to trim the tree, deck the halls AND stuff the stockings for everyone on your list.

No sugarcoating needed—with our Holiday Loan, you have affordable payments and up to twelve months to repay. This loan can help you make this holiday season one of the sweetest yet—what a treat! But don’t wait until the eleventh flour, because the Holiday Loan is only available until January 4, 2023.

Apply today and borrow from $500-$2,000—and start sprinkling in the magic for the holidays!

Apply for a Holiday Loan in a snap:

  • eBanking: Click on "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
  • In person: Visit us at our Main Office during normal business hours

Annual Percentage Rate (APR) for the Holiday Loan is as low as 9.95% and is based on your current credit history and underwriting factors. Borrow between $500 and $2,000. Maximum term = 12 months. For a $1,500.00 loan for a term of 12 months with a 14.06% APR, the monthly payment will be $132.48. Offer valid from 11/02/2022-1/4/2023. 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, and restrictions apply. Programs, rates, terms, and conditions are subject to change without notice.

Skip-a-Pay is Here!

Stressed about holiday gifts?

Extra Credit Union’s Skip-A-Pay program may be just what you need to buy some ginger and spice and everything nice for everyone on your Christmas list! Opt to skip your loan payment* in December or January, giving you the cash you need to make the holidays “extra” sweet. Applying is easy and can be done online within eBanking, in person, or by contacting our Call Center today.

Complete the process online or on the mobile app:

  1. Visit, log in to eBanking. Select the “Skip A Pay" tab on the left (use pull-down menu on the mobile app).
  2. Follow the step-by-step instructions.

Don’t have eBanking? Using Extra Credit Union’s eBanking platform is the fastest and easiest way to access your account—and enrolling is simple!

  1. Go to and look for the gold “eBanking Login” box.
  2. Click on “Enroll Now” and agree to the terms of service.
  3. Follow the simple instructions to complete the enrollment process—it’s that easy!

Apply in person: Visit us where a friendly representative can help you complete the process online or help you enroll in eBanking.

Apply by phone: Don’t have time to come in to the branch? No worries! Contact our Call Center at (877) 638-7628 and one of our friendly representatives will be happy to help.

*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 collection arrangements or a skip within the last three months or two skips within a 12-month period. Eligible loans must be current, at least six months old, with six consecutive payments. 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. Additional terms, conditions, and restrictions apply. Programs, rates, terms and conditions are subject to change without notice. Offer ends 1/4/2023.

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