Credit union · NCUA insured
Extra Credit Union Savings Rates
Top CarrotExtra Credit Union’s best savings rate is 1.50% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Extra Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Extra Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Extra Credit Union
1.50%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $150
Money Market Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Extra Credit Union savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.50%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Extra Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.50%APY
Minimum opening deposit of $5,000. Up to six transfers or withdrawals per month, per federal regulations. Minimum deposit of $5 in a regular savings account is required for membership. Dividends are paid and compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $15,000Dividends are paid and compounded monthly. | 1.50% | $150 | Dividends are paid and compounded monthly. |
| $15,000 – $25,000Dividends are paid and compounded monthly. | 1.60% | — | Dividends are paid and compounded monthly. |
| $25,000 – $50,000Dividends are paid and compounded monthly. | 1.80% | — | Dividends are paid and compounded monthly. |
| $50,000 – $100,000Dividends are paid and compounded monthly. | 2.00% | — | Dividends are paid and compounded monthly. |
| $100,000 and upDividends are paid and compounded monthly. | 2.25% | — | Dividends are paid and compounded monthly. |
Sources (3)
- extracreditunion.org/rates
- extracreditunion.org/banking/money-market-accounts
- extracreditunion.org/wp-conten…Rate-Schedule-4.1.26.pdf
All captured Oct 5, 2026
Extra Savings Account
0.05%APY
Secondary/additional savings account with no minimum opening balance. $100 minimum balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance required to earn dividends.$100 and up | 0.05% | $5 | $100 minimum balance required to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Primary Savings Account
0.05%APY
Extra Credit Union membership requires a $5 member share deposit in a regular savings account. $100 minimum balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance required to earn dividends.$100 and up | 0.05% | $5 | $100 minimum balance required to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Youth Money Market
1.50%APY
Youth Money Market available with a $2,000 minimum opening deposit. Teach kids and teens the value of saving. Up to six transfers or withdrawals per month, per federal regulations. Minimum deposit of $5 in a regular savings account is required for membership. Dividends are paid and compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 – $20,000Dividends are paid and compounded monthly. | 1.50% | $150 | Dividends are paid and compounded monthly. |
| $20,000 – $50,000Dividends are paid and compounded monthly. | 1.60% | — | Dividends are paid and compounded monthly. |
| $50,000 and upDividends are paid and compounded monthly. | 1.80% | — | Dividends are paid and compounded monthly. |
Sources (3)
- extracreditunion.org/rates
- extracreditunion.org/banking/money-market-accounts
- extracreditunion.org/wp-conten…Rate-Schedule-4.1.26.pdf
All captured Oct 5, 2026
Futurity Savings Account
0.05%APY
Available to members ages 16-24. $100 minimum balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100 minimum balance required to earn dividends.$100 and up | 0.05% | $5 | $100 minimum balance required to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Youth Savings Account
0.05%APY
Designed for kids and teens (ages 0-18) including Superstars (0-6), Rockstars (7-11), and Allstars (12+).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 5, 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.