Extra Credit Union is known for its heart to serve through offering help, guidance, counsel, and programs for the entire community. As the only credit union in Southeast Michigan to offer a certified K-12 financial curriculum, we provide hands-on learning, financial fundamentals and customized services to help students make good financial decisions now and create a brighter financial future. We support our teachers with many different opportunities, as well. Your membership helps support these essential school programs. We honor our roots in the educational sector in Macomb County, which is why we’re known as “Extra Credit Union” {get it? “Extra Credit” and “Credit Union”? We’re pretty wit

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4.9

★★

241 reviews

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Reviews(96)

Google Reviews(145)

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Kathleen W. on Birdeye

★★

5 years ago

They keep changing my overdraft permissions. Their overdraft fee is too high especially for people who are low income and financially strapped.

Business Response:

Hello Kathleen, we are sorry to hear you are having trouble with your account. Our overdraft fees come with courtesy pay, which is optional--you can opt out of it. We want our members be well aware of our fees, and as such, members receive information about this upon account opening, and they are also posted on our website. We understand that our members sometimes go through hard times. Have you talked to one of our experienced staff members to see if we can help you? Please let us know if that is something you'd like.

Patricia on Birdeye

★★

5 years ago

Good Service

Business Response:

Hello Patricia, Thank you for your positive response! Please let us know if you need anything! We're here to help!

Billy Wilson review for Extra Credit Union

Billy Wilson on Facebook

5 years ago

I've been a member since I was a teenager love the help they offer the staff really goes the extra mile to work with you and to find what you need

Emilie Simon review for Extra Credit Union

Emilie Simon on Facebook

6 years ago

Valerie was amazing at helping me today! Always great service with very caring people! Recommend Extra Credit Union to everyone I know!

Cheryl C. on Birdeye

★★

6 years ago

I love this credit union. I have been a member for years and will be a lifelong member. Jamie McCollum was simply a pleasure to work with on my account. It isn't often you can say that when dealing with financial institutions. She was helpful, knowledgeable and went above and beyond to make sure everything was handled quickly and professionally. Thank you, Jamie and ECU!

Business Response:

Hello Cheryl! Thank you so much for your loyalty, membership and this positive review! We're so glad that Jamie was able to help you and that you found her member service to be excellent :) Please let us know if you need anything in the future! We're here to help!

Catherine M. on Birdeye

★★

6 years ago

I have been a member of the Credit Union since 1976, even with all the name changes they continue to give the best service at both locations. I would not even consider using another institution for my financial needs. Katrina and Stephanie are the 2 that come to mind that have given me the best service.

Business Response:

Hello Catherine, thank you for taking the time to leave this great feedback--and for your longstanding and loyal membership! We appreciate you! We are glad that you have found you've had great experiences at Extra Credit Union. Please let us know if there is anything else you need. We're glad to help!

Nay Latrice review for Extra Credit Union

Nay Latrice on Facebook

6 years ago

extra credit union is amazing they have great customer service and they put me in my first new car YAY!!! with great rates and a monthly payment i could afford. so happy i joined this credit union!!!

cindy a c. on Birdeye

★★

6 years ago

worst service ever. I applied for a loan and they gave me such a hassle about it. It took two weeks of going back and forth between amanda and valerie then to find out they decline my app. Worst customer service ever. When you say they lean to everyone. NOT TRUE. The reason why I was declined was because I would not put my direct deposit with them even though I told them I would open a account. Beware.

Business Response:

Hello Cindy, thank you for taking the time to leave your feedback. We understand you are frustrated and we apologize for any inconvenience. We do try our very best to help everyone we can and we do stand by our philosophy, but we also have to protect our members' money. Our lenders have to make sure that the loans they write up meet a certain criteria and that the members we will be lending to are willing to meet all of the terms of the loan. Please let us know if you have any additional questions or concerns, we'd be happy to have somone reach out to you to discuss this further if you'd like.

A. M. on Birdeye

★★

6 years ago

I wanted to take the time to thank Amanda W., for her outstanding customer service. She has displayed exceptional customer service skills, from the beginning of my request to the very end. I am a new member, and well pleased with Extra Credit Union.

Business Response:

Thank you for the great review, A.M.! We are so happy that you've found your experience at Extra Credit Union to be a positive one! Please let us know if there is anything we can help you with in the future! We're here to help! Welcome to the family!