Extra Credit Union (Company)
· Member SIPC
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Extra Credit Union (Company)

· Member SIPC
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Extra Credit Union Review

Extra Credit Union was founded in 1954 and is based in Warren, MI.

Learn more about Extra Credit Union and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with Extra Credit Union.

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Message From Extra Credit Union

A small group of educators with $856 in assets founded Extra Credit Union in 1954. The teachers actually operated the credit union in an unused high school classroom. Through a commitment to education, community and service, Extra Credit Union grew, and today, has more than 19,000 members and $322 million in assets. Extra Credit Union is known for its heart to serve by offering help, guidance, counsel, and programs for the entire community. We operate a full-service branch at our state-of-the-art headquarters in Warren. As the only credit union in Southeast Michigan to offer a certified K-12 financial curriculum, we provide hands-on learning, financial fundamentals and customized services to help students make good financial decisions now and create a brighter financial future. We support our teachers with many different opportunities, as well. Your membership helps support these essential school programs. We honor our roots in the educational sector in Macomb County, which is why we’re known as “Extra Credit Union” {get it? “Extra Credit” and “Credit Union”? We’re pretty witty, right?}. It has been a such a pleasure helping those in our community that 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 state of Michigan. 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 learned that our members were feeling defeated and looking for help, for solutions, for hope. So, we looked at the ways we were lending and the criteria we were using, and we began to open access to more people. We offered loans and credit to those who may not be able to get it elsewhere, knowing that what people experienced over the last few years may not be reflective of the future. Our lending philosophy at Extra Credit Union soon became: Nothing is stopping us from lending to you. We took our tradition of serving schools and expanded it so that we could do everything possible to help everyone in the community find success. At Extra Credit Union, we want to set you up for success. We do not believe in limitations, whether they are the bad economy, a financial downturn or a loss. We remove all apprehensions, negativity and fear from the financial process. We will relieve you of your burdens, help you come up with solutions, a plan to budget and pay less for everyday expenses, guide and help you to build better credit, and offer you financial opportunities that will brighten your future. Are you fed up with your current situation? If so, come to us. We’ll listen to your story rather than slap a credit score on you. We’ll talk to you, get to know you and have faith that you’ll pay us back. Local residents are coming to us in droves, and their heartfelt thank you’s—and sometimes even tears of joy—make it all worth it. This truly is life-changing—for them and for us.


Hours of Operation

Eastern Time
  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 11:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday Closed

Services Offered by Extra Credit Union

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