Extra Credit Union is known for its heart to serve through offering help, guidance, counsel, and programs for the entire community.

Our early beginnings A small group of educators with $856 in assets founded Extra Credit Union in 1954. They actually worked in an unused high school classroom. Through a commitment to education, community, and service, ECU grew, and today, has more than 19,000 members, with some $200 million in assets. Serving the community Extra Credit Union is known for its heart to serve through offering help, guidance, counsel, and programs for the entire community. We operate two full-service branches, wh...

Our early beginnings A small group of educators with $856 in assets founded Extra Credit Union in 1954. They actually worked in an unused high school classroom. Through a commitment to education, community, and service, ECU grew, and today, has more than 19,000 members, with some $200 million in assets. Serving the community Extra Credit Union is known for its heart to serve through offering help, guidance, counsel, and programs for the entire community. We operate two full-service branches, which includes our state-of-the-art headquarters in Warren and our Sterling Heights branch location. We honor our roots in the educational sector in Macomb County, that’s why we’re known as “Extra Credit Union”. It has been a pleasure helping those in our community for over 60 years, therefore we’ve expanded our membership eligibility to give access to even more people to include those who reside, work, worship or attend schools within the Michigan counties of Macomb, Oakland, Wayne, and St. Clair. Extra Credit Union provides hands-on learning, financial fundamentals, and customized services to help thousands of local students in making good financial decisions. Further, we support our teachers with many different opportunities. Your membership helps support these essential school programs. Join our growing community We invite you to enjoy the benefits of genuine, personal attention, a true desire to see you succeed, and superior products and services tailored to your life, needs, and financial goals. Apply for membership today and experience the Extra Credit Union difference. We offer credit union, bank, Auto Loans, Recreational Vehicle Loans, Personal Loans, Extra Quick Loans, Home Equity Line of Credit, Mortgage Loans, Credit Cards, Checking Accounts, Savings Accounts, Futurity Checking and Savings Accounts, Accel Members Financial Counseling , Member First Mortgage (MFM), Home Equity Loan, flexLINE, Savings/Certificate Secured Loans, Youth Loans, Payment Protection, Accidental Death & Dismemberment Insurance, Mechanical Repair Coverage, Vehicle Guaranteed Asset Protection (GAP Plus) Insurance, Debit Card, ATM Card, Direct Deposit and Pre-Authorized Transfers, Youth Savings Account, Money Market Account, Youth Money Market Account, Organization Savings Account, Certificates of Deposit, Individual Retirement Account, Fiduciary Account, Online Banking, Online Bill Pay, Mobile Banking, Auto Refinancing, Mortgage Refinancing, Love My Credit Union Rewards (Discoun