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
FacebookGoogle PlusLinkedinRSSTwitterYouTube|

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:

Extra Credit Union has two merry options to unstrap your holiday budget:

Ho! Ho! Holiday Loan!

Extra Credit Union’s Holiday Loan can give you the extra cash you need to make the holidays a little brighter this year! With up to twelve months to repay and affordable payments, adding “extra” cheer to the holidays is easy with Extra Credit Union.


Plus, your Holiday Loan could earn you some “extra credit” this year, too! 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 8, 2020. 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:

  • Apply online
  • Complete your application in eBanking under the “services” tab. Much of your information will be pre-filled and simple to submit—just log in to get started
  • Call (586) 276-3000 to apply!

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 10/30/2019-1/8/2020. 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 twelve months in length with at least six payments 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.


Extra jingle in your pocket. Extra cheer for the holidays. Skip-a-Pay is here.

Need “extra” cash for the holidays? Extra Credit Union’s Skip-A-Pay program may be the perfect gift! Opt to skip your loan payment in December or January to give you the cash you need to make the holidays “extra” cheerful. 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: Come in to one of our branches 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 1/8/2020.

It's All About You! (Extended)

Your time. Your money. Your choice.

Life is busy! Now is your time. You want to be able to manage your money, your way, right? Well, Extra Credit Union’s Platinum or Platinum Reward’s Mastercard® can give you the freedom you deserve!

Extra Credit Union even has an amazing offer to help kick start that new-found freedom. Transfer your credit card balance to our Platinum or Platinum Rewards Mastercard® and receive a special rate of 4.99% APR* for 12 months with absolutely no balance transfer fee!

Our Platinum or Platinum Rewards Mastercard® can save you time as well! Simply log in to your Extra Credit Union eBanking to access your account—quick and easy! Extra Credit Union is a one-stop shop for managing your money—even while on the go with our eBanking App!

It’s your money and your time—get peace of mind and freedom with an Extra Credit Union Platinum or Platinum Rewards Mastercard®!

Applying is easy—and available 24/7:

Already have Extra Credit Union's Platinum Mastercard®? Great! Transfer your high-interest credit card balance by submitting this form.

*APR = annual percentage rate. Introductory rate of 4.99% APR for 12 months from date of transfer applies to balance transfers only completed through January 8, 2020. Interest on balance transfers will be charged on the first day of the following billing cycle. Interest calculated via average daily balances. After promotional term, the standard purchase APR will apply to all promotional balances. For the Platinum Mastercard® the standard fixed APR for purchases and cash advances is 9.95% to 17.95% based on credit worthiness at account opening. For Platinum Rewards Mastercard®, the standard variable interest rate for purchases and cash advances is 13.70% to 19.70% based on credit worthiness at account opening. Minimum credit score required for Platinum Rewards Mastercard®. Skip-A-Pay not offered on credit cards. All loans are subject to credit approval. Additional limitations, terms and conditions apply.

Go to main navigation