2. Extra Credit Union

Extra Credit Union


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 980th largest credit union in the nation. It was established in 1954 and as of September of 2019, it had grown to 86 employees and 19,656 members at 2 locations. Extra Credit Union's money market rates are 14% higher than the national average, and it 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 Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #60428
Year Chartered1954
Employees86
Primary Regulator
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD11.35%
Annual Interest Income$9.4MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$231.9MM$229.3MM
LoansQ3 2019vs Q3 2018$137.6MM$131.8MM
DepositsQ3 2019vs Q3 2018$204.0MM$206.6MM
Equity CapitalQ3 2019vs Q3 2018$25.7MM$20.8MM
Loan Loss AllowanceQ3 2019vs Q3 2018$3.8MM$3.6MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$1.5MM$2.3MM
Real Estate OwnedQ3 2019vs Q3 2018$136.00K$159.00K
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
0.10%$100-Primary Savings
0.10%--Youth Savings
0.10%--Organizational Savings Account.
0.10%$100-Futurity Savings Account
0.10%$100-Extra Savings Account

Extra Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$50k*-Money Market Account
OTHER TIERS: 0.35% → $5k - $20k | 0.45% → $20k - $50k
0.50%*$50k*-Youth Money Market
OTHER TIERS: 0.35% → $2k - $20k | 0.45% → $20k - $50k

Extra Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$500$50k60 Month Fixed-Rate Certificate
2.27%$500$50k36 Month Fixed-Rate Certificate
1.51%$500$50k24 Month Fixed-Rate Certificate
1.00%$500$50k12 Month Fixed-Rate Certificate
0.75%$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

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