It’s YOUR home—make the most of it! Whether you’re looking to buy your dream home or making your current home a dream come true, Extra Credit Union can help!
Rental prices are still on the rise, so now may be the perfect time to buy your dream home! From refinancing your current mortgage to buying your forever home, our Real Estate Team can help—and guide you through the entire process. You hold the power with Extra Credit Union’s wide range of mortgage options, including FHA, MSHDA, adjustable-rate mortgages, and many more.
Already love your home? Put your investment to work for you! A HELOC may be the perfect funding solution to turn your existing home into a dream come true! This loan uses the equity in your home to give you the money for home improvements, your child’s education, a dream vacation—anything you need! HELOC benefits include no annual fee, the use of funds for up to five years with 20 years to repay, and interest rates as low as 9.50% APR.**
Plus—whether you’re closing on your mortgage or drawing at least $10,000** from your HELOC at signing, you’ll receive a $50 Lowe’s gift card* to kickstart your dream plans!
It’s your home—make the most of it! But don’t wait—this offer ends July 1, 2025! Applying is easy and available 24/7:
- Online: ExtraCreditUnion.org
- eBanking: Visit the “Apply for a Loan or Share” tab on left or the pull-down menu on the eBanking App
- Call: (586) 276-3000, option 1
- In person: Main office: 6611 Chicago Rd. Warren, MI 48092; Washington Twp. Lending Center: 59321 Van Dyke Ave. Washington Twp, MI 48094
Mortgage questions? Contact our Real Estate Specialist:
- Call: (586) 276-3000, ext. 3067
- Email: DScott@ExtraCreditUnion.org
*Some restrictions apply. Only one gift card is allowed per loan. Please contact Extra Credit Union for additional details. Offer expires 7/1/2025.
**APR=Annual Percentage Rate. Advertised promotion is available on lines with a loan-to-value (LTV) ratio of 85% or less. The interest rate is a variable rate. The rate is based on the Wall Street Journal Prime +1% APR or more based on credit rating (8.50% + 1% = 9.50% APR as of 2/13/2025) calculated one day prior to the rate change date per loan agreement. The maximum APR that can apply is 18%. Credit is subject to approval; not all applicants will qualify. Minimum line to open is $5,000. Minimum draw to receive gift card is $10,000. Offer valid on new transactions of owner occupied, single family residence only; not available on manufactured homes or rental property. An appraisal, paid for by the borrower, is required. Borrower must carry insurance on the property that secures the loan. Programs, rates, terms and conditions are subject to change at any time without notice. Offer expires July 1, 2025. All other terms, conditions, and restrictions apply.
Federally Insured by NCUA
Routing Number: 272477432