Credit union · NCUA insured
Extra Credit Union Credit Card Rates
Top CarrotExtra Credit Union credit cards start at 9.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Extra Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where Extra Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Extra Credit Union
9.95%APR
- Up to
- 17.95% APR
Platinum Mastercard
Lowest rate
Construction Federal Credit Union
6.87%APR
- Up to
- —
2nd-lowest rate
Polish-American FCU
6.90%APR
- Up to
- —
Extra Credit Union credit card score
83
Credit card score
Higher than 64% of U.S. banks and credit unions
- Purchase APRPurchase APR9.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Extra Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Mastercard
Must be an Extra Credit Union member ($5 minimum deposit in a regular savings account required). Rates based on individual credit history and creditworthiness at account opening.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95%–17.95% | None | Current standard non-variable APR for purchases based on credit worthiness at account opening. No annual fee, no balance-transfer fee, and no cash-advance fee. |
| Ongoing | 9.95% | None | Fixed rate as low as 9.95% APR. Rates based on individual credit history. No annual fee, no balance-transfer fee, and no cash-advance fee. |
| Intro, 12 months | 9.95% | None | Special introductory rate for first-time card holders for the first 12 months from date of account opening. Thereafter, the standard purchase APR will apply to all balances. Offer ends 1/6/2027. No annual fee, no balance-transfer fee, and no cash-advance fee. |
Sources (3)
- extracreditunion.org/loans/credit-cards
- extracreditunion.org/rates
- extracreditunion.org/resource/credit-card
All captured Oct 16, 2026
Platinum Rewards Mastercard
Must be an Extra Credit Union member ($5 minimum deposit in a regular savings account required). Minimum credit score is required for Platinum Rewards Mastercard. Rates based on individual credit history and creditworthiness at account opening.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.70%–21.70% | None | Current standard variable interest rate for purchases based on credit worthiness at account opening and will vary based on the Prime Rate. Minimum credit score required. No annual fee, no balance-transfer fee, and no cash-advance fee. |
| Ongoing | 14.95% | None | Estimated as low as 14.95% APR. Variable Platinum Rewards rate is based in the Wall Street Journal published prime rate + 8.2% or more based on individual credit history. Variable rate is subject to change. No annual fee, no balance-transfer fee, and no cash-advance fee. |
| Intro, 12 months | 9.95% | None | Special introductory rate for first-time card holders for the first 12 months from date of account opening. Thereafter, the standard purchase APR will apply to all balances. Offer ends 1/6/2027. No annual fee, no balance-transfer fee, and no cash-advance fee. |
Sources (3)
- extracreditunion.org/loans/credit-cards
- extracreditunion.org/rates
- extracreditunion.org/resource/credit-card
All captured Oct 16, 2026
Who can join Extra Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.