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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Extra Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 18, 2026
Extra Credit Union's 60 month Fixed-Rate CDs rates are at 4.06%, 36 month Fixed-Rate CDs rates are at 3.80%, 24 month Fixed-Rate CDs rates are at 3.65%, 12 month Fixed-Rate CDs rates are at 3.49%, 6 month Fixed-Rate CDs rates are at 3.29%. Extra Credit Union's savings rates are at 0.05%. Extra Credit Union's money market rates are at 1.50%. Extra Credit Union's Personal Loan Rates are at 11.23%. MonitorBankRates evaluates the financial stability of Extra Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.54%. Rates were last updated on 03/18/2026. Extra Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Extra Credit Union? Share your experience about Extra Credit Union by leaving a review below, or read customer reviews before you decide to use Extra Credit Union. Extra Credit Union
Extra Credit Union 6611 Chicago Rd
https://www.extracreditunion.org Warren, MI 48092 1685 
Extra Credit Union CD Rates
Extra Credit Union Savings Rates
Extra Credit Union Money Market Rates
Extra Credit Union Home Equity & HELOC
Extra Credit Union Credit Card Rates
Extra Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Extra Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Extra Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Extra Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Extra Credit Union
Website
https://www.extracreditunion.org
Address
6611 Chicago Rd,
Warren, MI 48092 1685
Phone
586-276-3000
Fax
586-276-3001
President
Anne Covert
CEO
Deidra Williams
Full-Time Employees
91
Part-Time Employees
5
Branch Locations
3
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.54%
Return on Assets (ROA)
1.9857%
Return on Equity (ROE)
11.7296%
Non-Performing Loans Ratio (NPL)
1.37%
Total Assets
332,490,408
Total Amount of Shares and Deposits
276,450,050
Total Shares and Deposits < 1 Year
251,772,253
Total Shares and Deposits 1 3 Years
7,048,381
Total Shares and Deposits > 3 Years
17,629,416
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
17,397,319
Total Uninsured Shares and Deposits > $250K (F+J)
17,397,319
Total Insured Shares and Deposits > $250K (item 17 less item K)
259,052,731
Total Interest Expense (Sum of items 6 8)
2,596,123
Share Certificates
1,384
Number of Accounts for Share Drafts
14,274
IRA KEOGH Accounts
82
Number of Accounts for Regular Shares
20,296
Money Market Shares
976
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
28,023,659
Total Liabilities
278,790,287
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Extra Credit UnionIs Extra Credit Union a safe place to deposit money?Yes, Extra Credit Union is considered a safe financial institution. With a Texas Ratio of 4.5400757022756%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Extra Credit Union operate?Extra Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Extra Credit Union?Yes, to access services at Extra Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Extra Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Extra Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Extra Credit Union offer online and mobile banking?Most modern institutions like Extra Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.extracreditunion.org. Current Extra Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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