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Rates
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 3.99%
As low as 4.07%
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 $12.19 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 8.75%
As low as 8.75%
*APR is Annual Percentage Rate.
Home Equity Line of Credit (HELOC)
Type
Term
APR*
Variable Rate HELOC*
N/A
Estimated as low as 7.75%
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 3.99%
As low as 4.02%
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 $10.12 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 14.95%**
*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
1.60%
$15,000-$24,999.99
1.80%
$25,000-$49,999.99
2.00%
$50,000.00-$99,999.99
2.25%
$100,000 + up
Youth Money Market
1.50%
$2,000-$19,999.99
1.60%
$20,000-$49,999.99
1.80%
$50,000 + up
Dividends are paid and compounded monthly.
Fixed-Rate Certificates
Term
Rate
APY**
Minimum Balance
6 Months
3.25%
3.29%
$500
12 Months
3.45%
3.49%
$500
24 Months
3.60%
3.65%
$500
36 Months
3.75%
3.80%
$500
60 Months
4.00%
4.06%
$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.
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.
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 4 /1/2026
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