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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:

Exercise your right to a better financial future!

Does your debt have you feeling like you’re running full speed on a treadmill, but the weight of your debt just isn’t falling off month after month?

The repetition of the endless debt cycle can be stressful and defeating.

But it’s a New Year—and that means a NEW YOU! It’s time to pump it up in 2023! Extra Credit Union is here to help you exercise your right to a better financial future!

We have two great options that will help you lose that worry weight off your shoulders and build your financial strength!

  • DEBT CRUSHER DEBT CONSOLIDATION LOAN: Crush your debt and roll it all into one affordable monthly payment—now that’s a workout routine you can stick to! Pay off holiday bills, payday lenders, medical collectors, credit card companies, auto lenders, private student loan companies, collection accounts—and just about anyone else you owe! This loan is easy to manage with automatic payments, and interest rates are fair and set based on your credit and income.

    Plus, close on your Debt Crusher Loan by March 29, 2023 and you could earn a 1% Loan Forgiveness Credit from Extra Credit Union!*
  • BALANCE TRANSFER: Transfer your high-interest credit card balance to Extra Credit Union’s Platinum Mastercard® and get a special introductory rate of 4.99% for 12 months on balances transferred by March 29, 2023!** After the promotional term, the standard purchase APR of 9.95 to 18.95% will apply.

WHICH OPTION IS RIGHT FOR YOU? Your ECU personal trainer {a.k.a. Member Relationship Specialist} can look at your whole picture and help you find the best exercise routine {solution} that fits! You’ll be dropping the {debt} pounds and building {credit} muscle in no time!

Have lower credit? No sweat! Extra Credit Union believes in second chances. Everyone has a story, and we want to hear yours! Your financial health is important to us.

What are you waiting for? Get started on the NEW YOU today! Applying is easy—and available 24/7:

  • 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

Already have our credit card? Great! Transfer your balance to ECU’s Platinum Mastercard® by filling out and submitting this form.

*Loan forgiveness will be achieved with a payment (1% of the loan amount – maximum of $300 per loan) made by Extra Credit Union to the loan principal upon closing of the loan. Offer available only on new Extra Credit Union loans for a minimum of $2,500 and a maximum of $30,000. Loan must be closed by March 29, 2023 to qualify. Loan must remain open for at least 12 months or the 1% loan payment will be forfeited and added to the payoff amount. Member is responsible for all taxes related to bonus payment. Partial collateral may be required. One loan rewrite/add on adjustment allowed during the life of the loan. Underwriter may require member to set up budget counseling before the loan closing. For joint borrowers, credit being paid off in both names will require both parties to sign the loan. Extra Credit Union membership is required. All loans are subject to credit approval. Additional terms, conditions, and restrictions apply. Programs, rates, terms, and conditions are subject to change without notice.

**APR=Annual Percentage Rate. Special introductory rate of 4.99% APR for 12 months from date of transfer applies to balance transfers only completed through March 29, 2023. 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, which will not increase thereafter while the plan is open. For Platinum Rewards Mastercard®, the standard variable interest rate for purchases and cash advances is 12.95% to 18.95% based on credit worthiness at account opening and applicable prime rates, which may vary while the plan is open. 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. Programs, rates, terms and conditions are subject to change at any time without notice.

Limited time offer—5% CD for 15 months!

It’s a NEW YEAR—and it’s time to pump up those savings and exercise your right to a better financial future in 2023!

You’ve been asking—and we’ve been listening!

Extra Credit Union has an amazing special certificate of deposit {CD} rate that will help your money grow in 2023—and beyond!

With 15 months at 5%, you can sit back, relax and watch your money grow—no sweat, muscles, or risk needed. But hurry, these rates are so great we can only keep them around for a limited time!

While many watched their investments and retirement accounts take a hit last year—this offer guarantees money growth. Say goodbye to that anxiety when opening quarterly statements and hello to prosperity and growth!

Please note: This offer is only good for new money and cannot be applied to money currently on deposit for the last 60 days. Matching rates do not apply.

How does a CD work, you ask? Good question!

A longer-term savings plan, like a CD, will help you earn higher interest. A CD guarantees that you will save for a particular time frame—and you’ll keep funds in your account without withdrawing any funds, as the funds are for your future use.

Choose the amount you want to invest and the period of time to keep the funds on deposit, remembering that the longer the term of your CD, the higher your rate of return.


  • Are a secure way to invest
  • Provide a higher {and guaranteed} interest rate than a savings or money market account
  • Have a minimum balance requirement of $500
  • Offer terms from 180 days to 60 months
  • Enable you to cash in your CD with interest earned or roll it over into another CD when the term is complete
  • Do not allow for early withdrawals without penalty

So what are you waiting for? We’re going the “extra” mile for our members with one of the BEST and most competitive rates around! Open a CD today and let your money start working for you in the NEW YEAR!

Interested? Visit our Main Office or call us at (586) 276-3000 for more information.

*Annual Percentage Yield (APY) is accurate as of 1/17/2023. APYs are subject to change at any time without notice. Offers apply to new deposit money only. Fees may reduce earnings. A penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, the CD will convert to a 12-month CD and earn the offered rate of interest for the CD type and term in effect at that time. The advertised rate is for a limited time beginning on 1/17/23 and may be discontinued at any time without notice. To earn the advertised CD rate, the minimum deposit amount is $500 with a term of 15 months. Other rates and terms are available. Additional terms, conditions, and restrictions may apply. Programs, rates, terms and conditions are subject to change without notice.

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