Overview / Commentary
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 968th largest credit union in the nation. It was established in 1954 and as of September of 2018, it had grown to 78 employees and 20,334 members at 2 locations. Extra Credit Union has a B+ 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
B+

Health Grade Components

Overall
NCUA #60428
Year Chartered1954
Employees78
Primary Regulator
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD9.34%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$229.3MM$221.5MM
LoansQ3 2018vs Q3 2017$131.8MM$123.8MM
DepositsQ3 2018vs Q3 2017$206.6MM$199.6MM
Equity CapitalQ3 2018vs Q3 2017$20.8MM$20.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.6MM$2.5MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.3MM$1.4MM
Real Estate OwnedQ3 2018vs Q3 2017$159.00K$14.00K
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%--Youth Savings
0.05%--Organizational Savings Account.
0.05%$100-Futurity Savings Account
0.05%$100-Extra Savings 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
0.25%*$50k*-Youth Money Market
OTHER TIERS: 0.15% $2k - $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

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