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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:

We have two options for your holiday budget this year:


Extra Credit Union’s Skip-A-Pay program may be the perfect gift! Members who have a loan at Extra Credit Union who would like to free up some cash for the holidays can opt to skip a payment on their loan in December or January for a $35 enrollment fee. Most loans are eligible, although some restrictions may apply. Take advantage of Skip-A-Pay and add some extra cheer for the holidays!

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

Complete the process online:

  1. Visit, log in to eBanking and select the "services" tab.
  2. Click on "skip a loan payment" and much of your information will be pre-filled and simple to submit!

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 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 1/6/2021.

Stocking Up for the Holidays!

Are you stressing over stocking stuffers and gifts this year? Extra Credit Union can help! Our Holiday Loan gives you the cash you need to trim the tree, deck the halls AND stuff the stockings for all the people you love this holiday season!

With Extra Credit Union’s Holiday Loan, you have up to twelve months to repay and affordable payments, adding even more happy to the holiday season! Borrow from $500-$2,000 and start stock(ing) up for the holidays!

Don’t wait—the Holiday Loan is only available until January 6, 2021. 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

Annual percentage rate for the Holiday Loan is as low as 9.95% and is based on your current credit history. Borrow between $500 and $2,000. Maximum term = 12 months. Offer valid from 10/28/2020-1/6/2021. 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.

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