--- title: "Extra Credit Union Rates - Michigan" description: "Current heloc, personal loan, credit card, and savings & cd rates from Extra Credit Union in Michigan. Updated daily with source verification. See who can join Extra Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/michigan/extra" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Extra Credit Union Rates - Michigan ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 8.000% | — | Standard | Extra Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Savings/Certificate Secured Loan** personal_secured | — APR | 9.000% | — | Standard | | **flexLINE of Credit** personal | — APR | 10.950% | — | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.950% | — | Standard | | **Extra Quick Loan** personal | — APR | 20.950% | — | Standard | Extra Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 9.950% | — | Standard | | **Platinum Rewards** credit_card_rewards | — APR | 14.950% | — | Standard | Extra Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Organizational Savings Account** savings | — APY | 0.05% | — | Standard | | **Money Market** money_market | — APY | 1.75% | — | Standard | Extra Credit Union savings & cd rates as of November 12, 2026 Extra Credit Union is a credit union in Michigan. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/michigan/extra) , verified from [Extra Credit Union's official website](https://www.extracreditunion.org/) Loading branch locator… ## About Extra Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 19K Assets $344.4M Founded 1954 Locations reported 2 NCUA charter 60428 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Our** 12 Mile Road Office · Warren · MI · 48092-2307 About 0.6 miles away](https://rateapi.dev/credit-unions/michigan/our) [**People Driven** Eastside Branch · Warren · MI · 48092-2038 About 0.8 miles away](https://rateapi.dev/credit-unions/michigan/people-driven) [**A.b.d.** ABD FEDERAL CREDIT UNION · WARREN · MI · 48092 About 1.2 miles away](https://rateapi.dev/credit-unions/michigan/abd) [**Public Service** Warren Branch · WARREN · MI · 48092 About 1.4 miles away](https://rateapi.dev/credit-unions/michigan/public-service) [**Michigan United** Warren · Warren · MI · 48093 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/michigan-united) [**Community Choice** 01 Warren Member Center · Warren · MI · 48092-4704 About 1.6 miles away](https://rateapi.dev/credit-unions/michigan/community-choice) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Extra Credit Union Membership eligibility from Extra Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Extra Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Extra Credit Union's membership page](https://www.extracreditunion.org/) . Final membership determination is always made by the credit union. ## Work at Extra Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Extra Credit Union ranks against Michigan peers. - See which AI assistants fetched Extra Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Michigan - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=extra&state=michigan&code=MI&name=Extra%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Extra Credit Union offer? Extra Credit Union currently offers HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Extra Credit Union rates updated? RateAPI verifies Extra Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Extra Credit Union's rate data? Rate data is collected directly from Extra Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Extra Credit Union? Extra Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Extra Credit Union's rates against national credit-union benchmarks. [More Michigan credit unions](https://rateapi.dev/credit-unions/michigan) [Michigan HELOC rate leaders](https://rateapi.dev/heloc-rates/michigan) [Michigan personal loan leaders](https://rateapi.dev/personal-loan-rates/michigan) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.extracreditunion.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Extra Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Michigan credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Extra Credit Union curl "https://api.rateapi.dev/credit-unions/michigan /extra " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Extra Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/michigan/extra Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp