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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 51st largest credit union in the state of Michigan. It is also the 974th largest credit union in the nation. It was established in 1954 and as of December of 2019, it had grown to 86 employees and 19,637 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 individuals who live, work, worship, or attend school anywhere in the state of Michigan.
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Health
A

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #60428
Year Chartered1954
Employees86
Primary Regulator
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD10.43%
Annual Interest Income$12.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$236.3MM$231.3MM
LoansQ4 2019vs Q4 2018$141.3MM$131.1MM
DepositsQ4 2019vs Q4 2018$208.4MM$208.1MM
Equity CapitalQ4 2019vs Q4 2018$26.3MM$21.6MM
Loan Loss AllowanceQ4 2019vs Q4 2018$3.9MM$3.9MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1.6MM$2.6MM
Real Estate OwnedQ4 2019vs Q4 2018$18.00K$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%$500-60 Month Fixed-Rate Certificate
2.27%$500-36 Month Fixed-Rate Certificate
1.51%$500-24 Month Fixed-Rate Certificate
1.00%$500-12 Month Fixed-Rate Certificate
0.75%$500-6 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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