Extra Credit Union

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A short history of Extra CU

Since its inception in 1954 the Extra Credit Union has been serving its members in the WARREN, Michigan area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Deidra Williams, the Extra CU has grown its membership to over 19,561 with assets of more than $223,169,253. They have a main office and 2 branch offices. Please see the credit unions website or contact them by phone at (586) 276-3000 or email them at info@extracreditunion.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WARREN, MI.

General Information For Extra CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60428
Address 6611 CHICAGO ROAD 
State Michigan 
Zip-Code 48092
Phone Number (586) 276-3000
Fax Number (586) 276-3001
Email Address: info@extracreditunion.org
CEO/President Deidra Williams
Members 19,561 
Full-Time Employees 64 
Part-Time Employees
Number of Branch Offices
Total Assets 223,169,253 
Website http://www.extracreditunion.org 

Compare Extra Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
A.b.d. CU ABD FEDERAL CREDIT UNION 2222 CONNER ST 48215 (313) 822-1034 No 1.20
Unity CU Main Office 7240 E 12 Mile Rd 48092 (586) 573-4110 No 1.38
Ukrainian Selfreliance Michigan CU USMFCU-Main Office 26791 Ryan Rd 48091 (586) 756-3300 No 1.75
Ukrainian Future CU Ukrainina Future Credit Union 7345 Orchard Lake Rd 48322 (248) 487-0330 No 1.89
Warren Municipal CU Warren Municipal Federal Credit Union 31300 Hoover Rd 48093 (586) 268-9690 No 2.62

Extra Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Extra Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 3.23 8.71 3.98 6.67
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 172 677 136 406
Rank Among All Michigan Credit Unions N/A 48 132 30 80

Extra Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.20 0.61 1.24
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 114 239 127
Rank Among All Michigan Credit Unions N/A 19 25 55 17
Extra Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 13.8307,43821,890,449
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.5004711,914,532
New Vehicle Loans 3.2303056,103,652
Used Vehicle Loans 8.7103,05330,799,127
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.98041834,358,267
Total Other Real Estate Loans/Lines of Credit 6.67065115,715,629
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 13.8304359,678,611
TOTAL LOANS & LEASES 12,771120,460,267

Extra Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 19818,336,345162,440,290
    b. 15 Years or less 18813,152,492121,420,100
    a. > 15 years 10909,66000
    b. 15 Years or less 221,959,77000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 29736,42711307,497
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 54413,337,112873,632,358
Open-End Fixed Rate 781,642,09000
TOTALS 1,06950,073,8961267,800,245


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Extra Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes