Rates
Full on features, low on fees, and with great rates orsa is the place for savers!
Savings Account Rates
Savings Accounts
Whether you’re a fan of keeping things simple or hoping to find a high yield that’s free from upkeep fees, we’ve got you covered! There’s an orsa savings account for every situation, and a great rate for every saver.
Savings Account Rates
Date Updated Feb 17, 2026
Minimum to Open | Minimum to Earn Dividends | Dividend Rate | APY* |
|---|---|---|---|
Basic Savings |
|
|
|
$5 | $100 | 0.05% | 0.05% |
High Yield Savings |
|
|
|
$5 | $0 | 9.57% | 10.00% on balances up to $1,000* |
|
| 0.10% | 0.10% on balances up to $1,000* |
Kids Savings |
|
|
|
$5 | $0 | 0.05% | 0.05% |
Holiday Savings |
|
|
|
$5 | $0 | 0.05% | 0.05% |
IRA Savings |
|
|
|
$5 | $0 | 0.05% | 0.05% |
Health Savings |
|
|
|
$5 | $0 | 0.05% | 0.05% |
*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. Goal Setter Accounts require monthly auto deposits to earn dividends, subject to penalty for early withdrawal. Rates are subject to change at any time. orsa credit union membership is required. orsa Fee Schedule.
** APY = Annual Percentage Yield. Rate offered may change at any time. The minimum balance to open the account is $5.00. The 10.00% APY is earned on balances of $.01 to $1,000.00. Balances of $1,000.01 and above earn an APY of 0.10%. Fees could reduce earnings. Federally insured by the NCUA.
Checking Account Rates
CloseEnuff™ Checking
Our feature-full, cashflow boosting account, that protects your cash from the unexpected with a $50 overdraft buffer, gets you paid up to two days early, can send your spare change over to savings, gets you rewarded for every card swipe, and even lets you split up big payments into installments up to 60 days after the purchase. If that sounds like a lot, that’s because it is!
Checking Account Rates
Date Updated Dec 18, 2025
Minimum to Open | Minimum to Earn Dividends | Dividend Rate | APY* |
|---|---|---|---|
CloseEnuff™ Checking |
|
|
|
$5 | N/A | N/A | N/A |
*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. orsa Fee Schedule.
Certificate Of Deposit Rates
Certificates of Deposit
Save for a set period and get a return you can be sure of! Our standard and special CDs have a little something for every saver, with short or long terms for any timeline. Just lock in your fixed rate at the start, then sit back and relax while your money grows!
Special Certificate of Deposit Rates
Date Updated Jan 7, 2026
Dividend Rate | APY* as high as |
|---|---|
7-Month Special Certificate without Direct Deposit** |
|
3.21% | 3.25% |
7-Month Special Certificate with Direct Deposit*** |
|
3.70% | 3.75% |
13-Month Special Certificate without Direct Deposit** |
|
3.21% | 3.25% |
13-Month Special Certificate with Direct Deposit*** |
|
3.70% | 3.75% |
Wire transfer fees up to $50 will be waived. *APY= Annual Percentage Yield. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.
**Initial rate will be set as the default rate for the first two months to allow time for direct deposit connection.
***Accounts will be scanned on the 1st of the month to determine if it qualifies for the elevated rate.
Certificate of Deposit Rates
Date Updated Dec 17, 2025
Dividend Rate | APY* as high as |
|---|---|
180-Day |
|
1.05% | 1.05% |
1-Year |
|
1.15% | 1.16% |
2-Year |
|
1.10% | 1.10% |
3-Year |
|
1.05% | 1.05% |
4-Year |
|
1.05% | 1.05% |
5-Year |
|
1.10% | 1.10% |
*APY= Annual Percentage Yield. APY depends on Member Reward Club status and is subject to change. APY stated above assumes President's Club status. Minimum to open: $100. Fees may reduce earnings; subject to penalty for early withdrawal. Please call (877) 937-2328 for additional rates & terms.
Money Market Account Rates
Money Market Account
With unlimited withdrawals and transfers, our Money Market Account is designed with flexibility in mind for larger savings balances. A big return doesn’t have to come with a ton of big restrictions – we know better than that!
Money Market Rates
Date Updated Dec 18, 2025
Minimum to Earn Dividends | Dividend Rate | APY* |
|---|---|---|
$2,000 | 1.10% | 1.10% |
$15,000 | 1.29% | 1.30% |
$25,000 | 1.59% | 1.60% |
$50,000 | 1.69% | 1.70% |
$100,000 | 1.98% | 2.00% |
$250,000 | 2.47% | 2.50% |
$500,000 | 3.20% | 3.25% |
$1,000,000 | 3.45% | 3.50% |
$5,000,000 | 4.12% | 4.20% |
*APY = Annual Percentage Yield. APY may change before or after the account is opened. Fees may reduce earnings. orsa Fee Schedule.
FINANCING MADE SIMPLE
Your Loan, Your Way
We keep our loans competitive, because keeping more money in Michiganders’ pockets is what we’re all about. With flexible terms and rates designed for real-life, we’re making sure that our loans make sense and support your financial success, no matter what you’re borrowing for.
Auto Loan Rates
Auto Loans
Whether you're shopping for a new or used vehicle—or refinancing an existing one—orsa offers low-rate auto loans with flexible terms. Take advantage of pre-approval options and up to 100% financing, including tax and tags.
Auto Loan Rates
Date Updated Dec 18, 2025
APR* as low as | Term |
|---|---|
New or Used |
|
6.49% | 60 Months |
Classic, Collectible & Special Interest Autos |
|
8.24% | 48 Months |
Terms available for 84 months and longer, call to get a personalized quote.
*Annual Percentage Rate (APR). Individual rates vary and are dependent on individual credit history and other underwriting factors. Auto loan payment example: A $15,000 loan amount on a vehicle with 20% down, an excellent credit score, a 60 months term and a 6.74% APR, the monthly payment would be $295.23. An additional .25% rate discount is applied when payments are automatically deducted from an orsa credit union checking account. May require co-signer. Programs, rates, terms, and conditions are subject to change without notice.
Home Equity Loan Rates
Home Equity Loans
Turn your home's value into cash for renovations, debt consolidation, or major purchases. With fixed or variable-rate options, orsa's home equity loans offer competitive rates and low fees.
Home Equity Loan Rates
Date Updated Mar 4, 2026
APR as low as* |
|---|
Variable Rate HELOC |
6.25% |
Fixed Rate HE Term Loans |
7.24% |
*Home Equity Lines of Credit: Annual Percentage Rate (APR) is based on a $25,000+ line of credit, 80% Loan to Value (LTV) and an excellent credit score. Estimate assumes a 0.25% discount for a monthly direct deposit of at least $100 into an orsa account. Rates are based on the published Wall Street Journal Prime Rate and subject to change without notice. Additional rates available based on loan amount, LTV and individual credit history. Maximum rate 25.00% APR, minimum rate 2.00% APR. If you close your line of credit plan within the first 24 months you will be required to reimbrse the credit union for the bona fide fees paid on your behalf.
Home Equity Term Loans: APR is based on a $25,000 loan amount, 60 month term, 80% LTV, and an excellent credit score. Estimate assumes a 0.25% discount for a monthly direct deposit of at least $100 into an orsa account. Actual rate based on loan amount, LTV, term and individual credit history.
Recreational Vehicle Loan Rates
RV, Boats, and Powersport Loans
Enjoy the outdoors with great rates on RVs, boats, snowmobiles, and ATVs. Flexible terms and fast approvals make your next adventure even more affordable.
Recreational Vehicle Loan Rates
Date Updated Dec 18, 2025
APR* as low as | Term |
|---|---|
Boats & RVs (2024-2022) |
|
8.24% | 48 Months |
Boats & RVs (2021-2018) |
|
8.24% | 48 Months |
Boats & RVs (2017-2015) |
|
8.24% | 48 Months |
Boats & RVs (2014 & Older) |
|
11.24% | 48 Months |
New Power Sports (Used rates also available) |
|
8.24% | 48 Months |
Terms up to 180 months available. Please call us for a personalized quote.
*Consumer Loan Annual Percentage Rates (APRs) only available at orsa credit union branches, the web or Care Center; not available through dealerships. Special pricing does not apply to re-finance of existing orsa loans.* Sample rate 8.49% is based on a secured term loan of $15,000 with 20% down payment, excellent credit history, and a 48 month term. The monthly payments would be about $369.71. An additional .25% rate discount is available when payments are automatically deducted from your orsa checking account. Rates vary and are dependent on individual credit history and other factors including: model year, loan amount, and term.
Personal Loans & Credit Card Rates
Personal Loans & Credit Cards
Need funds for something unexpected—or just want to consolidate debt into one manageable payment? orsa personal loans and Mastercard® credit cards give you affordable options with no prepayment penalties.
Personal Loan & Credit Card Rates
Date Updated Dec 18, 2025
APR* as low as | Term |
|---|---|
Personal & Debt Consolidation Loans** |
|
13.74% | 60 Months |
Platinum Mastercard click for required Mastercard Disclosure |
|
10.99% | Revolving |
Platinum Rewards Mastercard click for required Mastercard Disclosure |
|
12.24% | Revolving |
World Mastercard click for required Mastercard Disclosure |
|
14.24% | Revolving |
*Annual Percentage Rates (APRs) vary and are dependent on individual credit history.
**Personal Loan Payment Example: For a $5,000 loan with 48 month term at 13.74% APR the monthly payments would be about $136. Above stated rate includes an additional .25% rate discount which is available when payments are automatically deducted from your orsa credit union checking account.
Mortgage Rates
Fixed & adjustable-rate mortgages
Looking for a place to call home? You can count on our great rates, flexible solutions, and expert guidance to get you there! Whether you’re buying for the first time, shopping for something new, or looking to refinance, we’re here to help.
You are Enuff™
Looking to make your Impossible Dreams possible? Your membership can help make it happen!
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
