Extra Credit Union

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Smart Banking Solutions for Every Stage. From youth accounts to adult education, We provide tools and guidance to navigate your financial journey with confidence.

At Extra Credit Union, banking is more than transactions — it’s about building trust, confidence, and opportunities for every member. Whether you’re managing everyday expenses, saving for the future, or looking for higher-yield options like money market accounts and CDs, we’re here with solutions designed around you. From checking and savings to specialized accounts that help you rebuild credit or reach new milestones, every service we offer is secure, convenient, and focused on what matters most: helping you achieve your financial goals with confidence.

Federally Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.

Quick Details

🔒 Bank-level security • NCUA insured

Check your inbox for an email from Extra Credit Union (support@cotribute.com) with your verification code. Enter the 6-digit code to continue.

Verify Your Email

Apply for an Extra Credit Union account today!

As shown on your ID

I agree to the <a href="https://www.extracreditunion.org/privacy-policy/" target="_blank">Privacy Policy</a>.

What is your legal name as it appears on your passport or other government-issued ID?

Let’s start with your name.

Please enter your current residential address (not a P.O. Box).

Street Address

Apartment Number (Optional)

City

State

Zip Code

What’s your home address?

We’ll send your debit card and statements to this address.

What’s your mailing address?

We use this to verify your identity

Enter the name of your employer. If unemployed, retired or disabled, please indicate that.

What is your current occupation or your last occupation prior to retiring or becoming unemployed?

What was your mother's last name at birth?

We’re required by federal law to collect this information to verify your identity and prevent fraud.

Let’s verify your identity.

We found existing membership information on file for you. Would you like to use one of the memberships below?

Let's verify your identity

Please choose the accounts you wish to open today.

Select at least one account.

Let’s set up your accounts.

If you would like to add a joint member, we will contact you after your account has been opened to add them.

We will need documentation from the joint and they will be required to give consent to be added to the account.

We will contact you once your account has been opened to get information on your joint member and add them to the account. 

Would you like to add a joint applicant?

If you have their information handy, we can add them now. You can also add beneficiaries later.

Would you like to add a beneficiary?

Complete the information below to add individuals to your account as a beneficiary. If you do not have this information, you can also add beneficiaries later.

Who do you want to add as beneficiary?

Overdraft Protection allows you to link your new Savings account as a safety net for your Checking to help pay transactions that exceed your balance.

Courtesy Pay helps cover transactions that exceed your checking account balance, subject to approval. Click <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2026/03/Debit-ODP-Auth-Disclosure-Form-3.pdf">here</a> to view our Courtesy Pay disclosure.

Life happens- Choose how you want to protect your checking account.

These services are completely optional.

Additional Protection on Your Account & Debit Cards

How much would you like to deposit?

9-digit number on your checks

Found on your checks or bank statement

How would you like to fund your new accounts?

Initial Deposit

Please select the account you would like to use to fund the products you are opening with us today.

Account Selection

Log in to your existing bank to fund your new checking account.

Link your current bank account so we can wirelessly transfer funds as soon as your new account is opened.

By clicking "Link Account", you agree to our partner Plaid’s <a href="https://plaid.com/legal/terms-of-use/" target="_blank">Terms of Use</a> and <a href="https://plaid.com/legal/#consumers" target="_blank">Privacy Policy</a>.

Let’s link your bank account.

To join Extra Credit Union, you must meet one of these criteria - <a style='text-decoration: underline; color: inherit;' href='https://www.extracreditunion.org/resource/general-account-information/' target='_blank'> Learn More</a>

Final Details

Speed up your approval with a quick ID check. Just use your phone's camera and a valid ID - takes 2 minutes.

You will need one of the following ID documents:<ul style='margin: 8px 0 12px 0; padding-left: 20px;'><li>Driver's license</li><li>State ID</li><li>U.S. Passport</li></ul>Your ID's information must match what has been provided in the application.

Having trouble? You can skip this step and verify your ID later by going back to the previous page.

Almost done! Review your info and make any changes before submitting.

By submitting, you agree to these documents: <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/privacy-policy/">Privacy Policy</a> <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2025/10/Membership-Account-Agreement.pdf">Membership & Account Agreement</a> <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2025/10/Electronic-Banking-Agreement-Disclosure.pdf">Electronic Banking Agreement & Disclosure</a> <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2026/01/Fee-Schedule-rev-1.2026.pdf">Fee and Service Charge Schedule</a> <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2026/03/Funds-Availability-Policy-Disclosure-rev-7.1.2025-Final.pdf">Funds Availability Disclosure</a> <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2025/10/Truth-in-Savings-Disclosure-Shares.pdf">Truth-in-Savings Disclosure: Shares</a> <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2025/10/Truth-in-Savings-Disclosure-Certificates.pdf">Truth-in-Savings Disclosure: Certificates</a> <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2025/10/Overdraft-Protection-Services-Disclosure.pdf">Overdraft Protection Services Disclosure</a> <a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/wp-content/uploads/2025/10/Account-Opening-Disclosure.pdf">Account Opening Disclosure</a>

Review

What happens next? We're reviewing your application and will contact you within 1-2 business days via email or phone with a decision.Questions in the meantime? Phone: (586) 276-3000 or toll-free (877) 638-7628<a target="_blank" rel="noopener noreferrer nofollow" href="https://www.extracreditunion.org/">Check out everything Extra Credit Union offers! </a>