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    Rate Schedule

    All rates are subject to change without prior notice. These rates replace previously dated rates. These rates are for Extra Credit Union members only. A minimum deposit of $5 in a regular savings account is required for membership.

    Loan Products

    Vehicle Loans
    Term
    Rate
    APR*
    Up to 96 Months
    As low as 4.75%
    As low as 4.83%
    Specific rates are based on credit history and are determined after the application is reviewed. *APR is Annual Percentage Rate and includes the cost of the loan. Costs vary from $45-$75 and are assessed by loan amount. 96 monthly payments of $12.55 per $1,000 borrowed.
    Personal Loans
    Type
    Term
    Rate
    APR*
    Personal Loan
    Up to 72 Months
    As low as 10.95%
    As low as 11.23%
    *APR is Annual Percentage Rate and includes the cost of the loan. Costs vary from $45-$75 and are assessed by loan amount. 72 monthly payments of $19 per $1,000 borrowed.
    flexLINE of Credit
    N/A
    As low as 10.95%
    As low as 10.95%
    Savings/Certificate Secured Loan
    Up to 120 Months
    As low as 9.50%
    As low as 9.50%
    *APR is Annual Percentage Rate.
    Home Equity Line of Credit (HELOC)
    Type
    Term
    APR*
    Variable Rate HELOC*
    N/A
    Estimated as low as 8.50%
    Certain conditions may apply. *Variable Rate HELOC rate is based on the Wall Street Journal prime rate + 1% or more based on individual credit history. Wall Street Journal prime rate as published in the on the 1st of each month and are subject to change monthly.
    Recreational Vehicle Loans
    Term
    Rate
    APR*
    Up to 120 Months
    As low as 4.75%
    As low as 4.78%
    Specific rates are based on credit history and are determined after the application is reviewed. *APR is Annual Percentage Rate and includes the cost of the loan. Costs vary from $45-$75 and are assessed by loan amount. 120 monthly payments of $10.49 per $1,000 borrowed.
    Mastercard—Credit Card
    Type
    Term
    APR*
    Platinum
    N/A
    Fixed rate as low as 9.95%*
    Platinum Rewards
    N/A
    Estimated as low as 15.70%**
    *Rates based on individual credit history. **Variable Platinum Rewards rate is based in the Wall Street Journal published prime rate + 8.2% or more based on individual credit history. Variable rate is subject to change.
    Extra Quick Loan
    Type
    Term
    APR*
    Extra Quick Loan
    Up to 12 Months
    As low as 20.95%
    $35 application fee. Minimum monthly payment is $99.00. Certain conditions apply. Must be a member for at least 6 months.
    Mortgage Loans
    First Mortgage Loans
    Rates are available by visiting our website at ExtraCreditUnion.org or by contacting us at (586) 276-3000.

    Savings Products

    Savings Products
    Type
    APY**
    Minimum Balance
    *Primary Savings Account
    0.05%
    $5
    Checking Account
    N/A
    $0
    Youth Savings Account
    0.05%
    $5
    Organizational Savings Account
    0.05%
    $5
    *Futurity Savings Account
    0.05%
    $5
    Futurity Checking Account
    N/A
    $0
    *Extra Savings Account
    0.05%
    $0
    *$100 minimum balance required to earn dividends.
    Money Market
    Type
    APY**
    Minimum Balance
    Money Market Account
    1.50%
    $5,000-$14,999.99
    1.75%
    $15,000-$24,999.99
    2.00%
    $25,000-$49,999.99
    2.25%
    $50,000.00-$99,999.99
    2.50%
    $100,000 + up
    Youth Money Market
    1.50%
    $2,000-$19,999.99
    1.75%
    $20,000-$49,999.99
    2.00%
    $50,000 + up
    Dividends are paid and compounded monthly.
    Fixed-Rate Certificates
    Term
    Rate
    APY**
    Minimum Balance
    6 Months
    3.75%
    3.80%
    $500
    12 Months
    3.75%
    3.80%
    $500
    24 Months
    3.80%
    3.85%
    $500
    36 Months
    4.00%
    4.06%
    $500
    60 Months
    4.25%
    4.32%
    $500
    Dividends are paid and compounded quarterly. Penalty may be imposed for early withdrawal. Contact your personal attorney or tax advisor for advice on your personal situation.

    For accounts that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

    Click here for a printer friendly version!

    We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. All Loans are subject to credit approval.

    Federally Insured by NCUA
    *APR is annual percentage rate on loan products.
    **APY is annual percentage yield in savings products.

    Effective 2/10/2025

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    The information contained in this web site is believed to be accurate at the time it was posted, and is not intended to be interpreted as direct financial or legal advice. Please contact a financial adviser, attorney or other qualified professional for advice on your personal situation. All information is subject to change without notice. Unauthorized use or reproduction of information contained in this site is strictly prohibited.

    Extra Credit Union does not endorse or guarantee the products or information provided on any links to third-party web sites, nor is it liable for products and services advertised on linked sites. Please carefully examine the privacy policies of each site visited, as their practices may differ from Extra Credit Union’s privacy policy .

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