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Promotions

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:

COVID-19: Need Financial Assistance? Let Us Help!

Emergency relief options offer cash for groceries, bills, loss of income

In this time of uncertainty during the COVID-19 (coronavirus) pandemic, we want our members to know that Extra Credit Union is here for them—and we are here to help however we can.

As a result of the pandemic, many are without work, have been laid off or have had their hours cut, which is sure to cause much stress and anxiety.

Here are a few emergency relief options Extra Credit Union has created just for our members to help ease their worries and help them get through this difficult time: 

Emergency Relief Loan

Our Emergency Relief Loan offers up to $15,000 to cover three months worth of income and is based on an individual's monthly gross income {some restrictions apply}.

Plus, this loan offers:

  • No payments for 90 days
  • A term of up to 36 months
  • A fixed rate of 4.99%
  • No loan processing fee

The following eligibility requirements apply:

  • Must be a member for 18 months 
  • Must have two years of income in the same trade 
  • Must be able to provide proof of income (prior to shutdown) 
  • Must have lost income due to COVID-19.   

Hurry, this offer ends May 29, 2020! Ease your stress and apply for Extra Credit Union’s Emergency Relief loan through:

  • eBanking under the “services” tab. Much of your info will be pre-filled and simple to submit—just log in to get started.
    • Don’t have eBanking? Well why not? Using Extra Credit Union’s eBanking system is the fastest and easiest way to access your account and enrolling is simple! 
      • Go to ExtraCreditUnion.org and look for the gold “eBanking Login” box
      • Click on “Enroll Now” and agree to the Terms of Service
      • Follow the simple instructions to complete the enrollment process—It’s that easy!

Skip-a-Pay for a Penny Today

If you have a loan with Extra Credit Union, you can opt to skip your loan payment for only a penny! You may still be eligible for this offer even if you just skipped your loan payment over the holidays.

We normally restrict our Skip-a-Pay option to be able to be used every six months, however, we know that this is a service that can be very beneficial to our members right now. Hurry, this offer ends May 29, 2020!

Apply for Skip-a-Pay today: 

  • Apply Online: Log in to eBanking and select the “services” tab. Click on “skip a loan payment” and much of your information will be pre-filled and simple to submit!
    • Don’t have eBanking? Well why not? Using Extra Credit Union’s eBanking system is the fastest and easiest way to access your account and enrolling is simple! 
    • Go to ExtraCreditUnion.org and look for the gold “eBanking Login” box
    • Click on “Enroll Now” and agree to the Terms of Service
    • Follow the simple instructions to complete the enrollment process—It’s that easy!
  • Apply by Phone: Contact our Call Center at (586) 276-3000 and one of our friendly representatives will be happy to help.

If you have other financial concerns, please let us know. We are here to help. We will get through this together—Extra Credit Union is by your side. Contact us at (586) 276-3000 or email info@extracreditunion.org.

Adventure is Calling!

It’s the season of sunshine and the open road. Listen carefully—adventure is calling! Answer the call with a recreational vehicle loan from Extra Credit Union. Whether you dream of a motorcycle, a dirt bike, ATV, or any other type of recreational vehicle, we can help make your dream a reality! Extra Credit Union can help you go off road, too. Want a camper or a boat? Extra Credit Union has you covered.

Before you head out to shop for the recreational vehicle that will lead you to years of adventure, talk to the experts at Extra Credit Union. We can get you pre-approved so you know exactly how much you can afford—which means you can do your research before you buy. You’ll know what you want AND how much you should be paying. Extra Credit Union offers flexible terms, fair interest rates, and personal service that is second to none.

With interest rates starting as low as 2.99% APR* and up to 120 months to pay, we can get you on the road to adventure faster than you think!

Let the adventure begin—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

*APR=Annual Percentage Rate which includes a $75 loan processing fee. Motorcycle loan terms up to 72 months. Recreational vehicle loan terms up to 120 months. Estimated monthly payment of $9.64 per $1,000.00 borrowed. The rate may vary depending on each individuals’ credit history and underwriting factors. Effective 4/1/2020 through 7/1/2020. All Extra Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.

Comforts of Home

Your home isn’t just an address—it’s where you create memories. You’ve given your home so much over the years, let it give back to you through a Home Equity Line of Credit (HELOC). This loan uses the equity in your home—or the difference between your home’s appraised fair market value and what you owe—giving you the money to help fund your child’s education, an upgrade to your backyard or even to pay for your dream vacation!

Extra Credit Union’s Home Equity Line of Credit (HELOC) includes:

  • No annual fee
  • Access to funds from nearly anywhere using a HELOC Debit Mastercard®
  • Easy transfers via eBanking access
  • Rates as low as 4.25% APR*
  • The use of funds for up to five years; and up to 20 years to repay the loan
  • Loan amounts between $5,000-$300,000**
  • Minimum payments as low as 1% of the outstanding balance each month or $50—whichever is greater.

Extra comfort for your home:

Draw a minimum of $10,000 at closing from your HELOC and close on the loan by July 1 and we’ll cover up to $200 toward the appraisal. Plus, we’ll give you a $50 Lowe’s gift card to kickstart a new project!

Applying for a Home Equity Line of Credit (HELOC) is easy:

  • Online: Click here to apply NOW with our online loan application
  • eBanking: "Services" tab, apply for a loan
  • Call: (586) 276-3000, option 1

*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 (3.25% + 1% = 4.25% APR as of 4/1/2020) calculated one day prior to the change date.

**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 is required, and the cost is paid for by the borrower. Borrower will receive $200 towards the appraisal if the loan is approved and closed; however, a deposit equal to the actual appraisal fee is required at application. Appraisal fees vary based on home location. Terms and conditions are subject to change at any time without notice. Offer expires July 1, 2020. We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.

 

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