A college student studying at her desk
orsa Credit Union Logo

ACCOUNTS FOR YOUNG ADULTS AGE 18+

Welcome to adulting. Can we help make it easier?

Ok. Getting out on your own can be... a little intimidating. We get it. That's why we’re here to help ease you into the whole deal. Whether you’re looking for a scholarship, your first adult car, a real-deal bank account, or just help planning your financial course, we can help you figure it out. No judgements. No stuffy legal-ese. Just the info you need—from someone who’s been there.

Why do we do what we do? Because You Are Enuff™

As a for-impact financial institution, orsa credit union is dedicated to putting the success of our members, and the Michigan communities we serve, first. No matter who you are, or what you came from, you Belong here. Learn more about our for-impact purpose.

A busy mom multitasking at work, on her phone, pouring milk into cereal

CloseEnuff™ Checking

Checking that actually boosts your cashflow!

It’s your hard-earned money, you should keep it. CloseEnuff™ Checking cuts fees, buffers you from overdrafts, gets you your paycheck sooner, and maximizes your spending power. Making it the OP checking account for the real world.

A baker frosting a cake

High Yield Savings

Fire up your savings with 10% APY* interest

Go with High Yield Savings and save more money faster with an incredible 10.00% APY* on your first $1,000! Give it an extra boost by connecting it to your CloseEnuff™ Checking, using grow & give, and watch your hard-earned savings soar.

Scholarships

A young woman in the university library

Scholarships that invest in you

College and career education unlock your future, and we're dedicated to helping you reach it. Our scholarships support young adult members working toward university degrees, trade certifications, technical skills, and professional development, because your goals deserve real backing.

A man flexing

Free Financial Counseling & Wellness

You may be on your own, but you’re not alone.

Got questions about money stuff? We're here to help. As a member, you get free financial counseling to help answer questions, plan your next move, and guide you to the right path for your goals. And because You Are Enuff™, we’re also supporting you with free access to digital wellness tools that can help you learn and earn along the way.

Loans for Young Adults

Dreams built here

We understand the unique challenges young adults face when building credit and trying to get ahead. So we’ve built loans designed to address your needs and help you get where you’re going.

When you Belong here, good things happen

What can we help you with?
  • Private student loans
  • Student loan refinance
  • First-time Auto loans
  • Credit cards that do good

Swiping an orsa debit card for a purchase

grow & give

Your spare change was meant for more

Round up your debit purchases to build your savings effortlessly—while supporting the causes and charities that matter to you!

Contact Us

Need a hand getting set up?

All good. We’re here to help!

Call our Care Center

Have a question or need a little guidance? The friendly folks in our Michigan-based Care Center are here to help!

Book an Appointment

We’ll meet you on your terms. Schedule an appointment via phone, zoom meeting, or in a branch!

Find a Branch

See all the communities we serve across our great state of Michigan. Stop in, we’ll be happy help!

Use Digital Banking

If you’re already a member, you can set up and manage some features of your child’s accounts right from our digital banking portal and app!

Graphic of a cancel button being clicked

Guide

How to Easily Cancel Your Subscription Services

Here, we’re laying out how to find subscriptions, cancel them, and avoid getting stuck with too many expensive subscriptions you don’t need in the future. Taken together it’s a few easy steps that can make a serious difference in your day-to-day finances… and your financial future.

An illustration showing a stack of dollar coins

Guide

How to Save Money on Streaming Services

With Americans now spending around $70 a month on services like Netflix and HBO, plenty of Michiganders are wondering how to save money on streaming services. Even if you like and watch the services you have, there are practical ways to cut those monthly bills. Below, we explain how.

Daisy says: Find, track, and cancel monthly subscriptions with orsaWatch—right in digital banking!Daisy leaps for joy in front of a digitized graphic with app icons and a cancel button

News

Meet orsaWatch: Subscription Manager

Spot monthly subscriptions. Collect them all in one place. And even cancel what you don’t want right from digital banking. No extra apps. No extra subscriptions. All free for orsa members!

Teens drinking coffee at the park

Kids, Teen & Young Adult Services

Whoa... too much, too soon?

If you’re a parent or you haven’t quite turned 18, it’s all good. We’ve got you covered too!

Not an orsa member yet?

You Belong here, because we believe You Are Enuff™.

What We Do

Making Impossible Dreams come true on the daily.

Wherever you are on your financial journey, you Belong here.

Mom, daughter and friend drinking coffee in the park
Banking

Take back control of your cash with innovative, flexible solutions built for the real world.

A mom and her son getting out of their truck
Borrowing

From home and auto loans to so much more, whether it’s a bright spot or a dark moment, we’ve got you.

Woman working in a greenhouse
Growing

Ready to create the future you want for your kids, your retirement, or your financial goals? Let's do it!

Man sitting at a sewing machine, working on his fashion line
Business

Local, personal, and supportive business solutions designed to supercharge your Michigan business.

*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.