Business Details
50+ Years
experience
Your Trusted Community Credit Union in Warren, MI
At Extra Credit Union, we believe banking should be about people, not just numbers. Since 1954, we've been dedicated to helping our members take control of their financial future through flexible products, personalized service, and a commitment to financial education. As a not-for-profit credit union, we prioritize our members by offering better rates, lower fees, and financial solutions designed for real life. Our community-focused approach ensures that every member becomes part of a supportive network that cares about their goals. We provide tools and guidance to navigate financial journeys, from rebuilding credit to planning for retirement.With over 19,000 members and $322 million in assets, we remain rooted in our founding principles of education and community service. Our team of dedicated professionals works tirelessly to put your needs first, offering expertise in personal and business banking. We invest in local schools, educators, and initiatives, strengthening the communities we serve. From youth financial literacy programs to mortgage solutions, our services are designed to empower individuals at every life stage. Our mission is to remove financial barriers, offering second chances and personalized support to help members achieve long-term stability.
Services
Checking Accounts
Savings Accounts
Auto Loans
Personal Loans
Mortgage Services
Youth Banking
Credit Cards
Financial Education
Debt Consolidation
Mobile Banking
Details
- Year established: 1954
Highlights and features
- We are a member-owned credit union prioritizing your financial success over profits
- Offering competitive rates and lower fees compared to traditional banks
- Providing certified K-12 financial literacy curriculum for youth education
- Delivering personalized service with local decision-making and community focus
- Investing in community programs including educator grants and youth scholarships
What people say
Friendly, professional staff
Outstanding services all around
Smooth loan process
Exceptional customer advocacy
Financial education programs
Services
Checking Accounts
Our checking accounts offer no minimum balance requirements, online and mobile banking access, and convenient debit card options. Designed for everyday financial management, these accounts provide secure, flexible solutions for personal and business needs. Members benefit from local service and digital convenience, with features supporting budgeting and expense tracking.
Auto Loans
Competitive auto loan programs cater to new and used vehicle purchases with flexible terms. We offer financing solutions for various credit profiles, including first-time buyers and those rebuilding credit. Our local loan specialists provide personalized guidance through the approval process and payment structuring.
Youth Banking
Age-specific financial education programs include Superstars (0-6), Rockstars (7-11), and Allstars (12+). These accounts teach money management through interactive tools, grade-based rewards, and parent-monitored debit cards. The FUTURITY program helps young adults build credit while maintaining savings accounts.
Personal Loans
Unsecured personal loans support debt consolidation, home improvements, and unexpected expenses. Terms adjust to individual financial situations, with options for varying credit histories. Our Debt Crusher Program offers structured repayment plans to pay off high-interest debts through a single manageable payment.
Mortgage Services
Homeownership solutions include purchase mortgages, refinancing, and home equity lines of credit (HELOC). Local mortgage specialists guide members through the application process with competitive rates and flexible terms. We support first-time buyers and experienced homeowners with personalized lending options.
People
Lynda Davis
Loan Consultant
Experienced loan specialist known for smooth auto financing processes and personalized customer support. Recognized for exceptional service in helping members achieve vehicle ownership goals.
Mike Carr
Member Services Representative
Dedicated professional providing knowledgeable assistance with account management and loan solutions. Praised for thorough explanations and commitment to resolving member financial needs efficiently.
Connie
Loan Processor
Award-winning team member recognized for exceptional customer advocacy in vehicle financing. Known for going beyond standard service to ensure member satisfaction and competitive interest rates.
Valerie
Customer Service Representative
Attentive service provider offering personalized financial guidance and credit improvement strategies. Appreciated for understanding member circumstances and providing tailored solutions during challenging times.
Chauna Ace
Financial Consultant
Proactive advisor recognized for comprehensive financial planning support. Helps members improve credit scores, increase savings, and prepare for major financial milestones like home purchases.
Questions
How do I become a member of Extra Credit Union?
Membership requires opening a $5 savings account. You're eligible if you live, work, worship, or attend school in Michigan. Visit our website or Warren office to apply.
What loan options are available for first-time borrowers?
Our Youth Loans program helps first-time borrowers build credit responsibly. We offer secured loans with favorable terms and financial counseling to establish good credit habits.
Can I access banking services online?
Yes, we provide 24/7 online banking with bill payment, mobile check deposit, account management, and loan applications. Download our mobile app for convenient access.
What financial education resources do you offer?
We provide certified K-12 financial curriculum, adult financial literacy workshops, online calculators, and personalized credit counseling sessions for all members.
How does the Debt Crusher Program work?
This program consolidates high-interest debts into one manageable payment with competitive rates. We pay creditors directly and provide personalized plans to eliminate debt within 60 months.
Are there special services for educators?
We offer classroom financial education programs, educator grants, and specialized banking services through our Homeroom Service program that brings banking directly to schools.
