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Extra Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.76%5-year CD60 Months Fixed-Rate Certificate
2.25% - Ally Bank High Yield 5 Year CDAdvertisement
0.50%1-year CD12 Months Fixed-Rate Certificate
1.40% - Synchrony Bank 12 Month CDAdvertisement
0.05%SavingsFiduciary Account
1.20% - Goldman Sachs Bank USA Online SavingsAdvertisement
View all Extra Credit Union rates »

Overview / Commentary
www.extracreditunion.org
586-276-3000
6611 Chicago Road
Warren, MI 48092

Extra Credit Union is headquartered in Warren and is the 52nd largest credit union in the state of Michigan. It is also the 960th largest credit union in the nation. It was established in 1954 and as of March of 2017, it had grown to 63 employees and 19,196 members at 2 locations. Extra Credit Union has an A health rating.

Field of Membership Restrictions

Extra Credit Union of Michigan is open to the residents, church members, registered students and the people maintaining employment within these qualified counties: Macomb, Oakland, Wayne, and St. Clair, anyone affiliated with the field of education in Macomb County, and the family and/or household members of current members.
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Health
A

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #60428
Year Chartered1954
Employees63
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD8.17%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$224.3MM$209.4MM
LoansQ1 2017vs Q1 2016$114.4MM$100.7MM
DepositsQ1 2017vs Q1 2016$202.3MM$189.7MM
Equity CapitalQ1 2017vs Q1 2016$19.0MM$18.0MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.9MM$1.2MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$945.00K$780.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$113.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Extra Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$100-Primary Savings
0.05%$100-Youth Savings
0.05%$100-Fiduciary Account

Extra Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Money Market Account
OTHER TIERS: 0.15% → $5k - $20k | 0.20% → $20k - $50k

Extra Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$500$50k60 Months Fixed-Rate Certificate
1.11%$500$50k36 Months Fixed-Rate Certificate
0.80%$500$50k24 Months Fixed-Rate Certificate
0.50%$500$50k12 Months Fixed-Rate Certificate
0.30%$500$50k6 Month Fixed-Rate Certificate
Locations


Extra Credit Union Locations
Branch Office37700 Van Dyke AveSterling Heights, MI 48312-1839
Branch Office6611 Chicago RdWarren, MI 48092-1685