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orsa Bank Accounts
Accounts Built for Michiganders
And More!
Exclusive Offer
Get an auto loan at orsa and you're automatically entered to win FREE GAS for a year.†
HELOC Promotional Rates
Don't put your dreams on hold.
Borrow up to 100% of your home's value and take on whatever expenses come your way with a fee-free HELOC at orsa. From regular maintenance to all-out remodels, we got you.
The latest
From our latest impacts and financial tips to what it means to Belong, see how we’re making Impossible Dreams come true in the Michigan communities we serve.
Story
Pickleball for Good Serves Up an Impact
A little friendly competition can go a long way. 2026 Pickleball for Good brought people together for a day of fun while raising nearly $40,000 to help the orsa foundation create greater opportunity for people across Michigan.
News
Come See Us in Novi
Our new Novi branch is officially open, with a space designed around you and six special offers to celebrate. See what’s new in Novi.
Guide
Where’s My Allowance? The Future of Money Starts With Play
What if the next generation’s financial literacy started in a video game? As the digital world reshapes how we handle money, games like Roblox are offering kids a playful yet powerful way to learn about money.
News
orsaWatch™: Subscription Manager Saves Members $55 a Month in Unwanted Subscriptions
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 credit union members!
News
Dreaming Wild: Introducing the Orsa Hub!
We’ve partnered with Plymouth-Canton Community Schools to ignite accessible STEM and financial education at Plymouth-Canton Educational Park (P-CEP) for years to come!
Keep more for what matters — in five minutes or less.
Ignite your Impossible Dreams. Open an account to become a member today.
(Mail or Branch Drop-off): Complete a 3x5 card with full name, mailing address, phone number, email address, and orsa membership/account number, and either (a) mail it to: Marketing, orsa credit union, 500 S Harvey St, Plymouth, MI 48170, postmarked during the Promotion Period, or b) drop it off in person at the orsa Plymouth branch, 500 S Harvey St, Plymouth, MI 48170, during the Promotion Period.Limit: one entry per person regardless of method. Duplicate entries will be disqualified.5. PrizeThree (3) winners will each receive a one-time cash prize of $5,500 (total prize pool: $16,500), paid as a single payment via direct deposit to the winner's orsa credit union account, or by check if the winner does not hold an eligible account. Approximate Retail Value (ARV): $5,500 per winner. No substitution except at sponsor's discretion. Prizes are non-transferable.6. Winner Selection & NotificationThree (3) winners will be selected in a random drawing from all eligible entries on November 2, 2026. Odds of winning depend on the number of eligible entries received. Each winner will be notified by phone or email within 7 business days of the drawing and must respond within 7 days or an alternate winner will be selected in their place.Each winner will be required to sign an affidavit of eligibility and liability release before prize issuance. Publicity is not a condition of payment: winners who decline to sign the publicity/media release will still receive their full prize; sponsor will select a different winner to feature in marketing.To request the names of winners, send a written request to Marketing, orsa credit union, 500 S Harvey St, Plymouth, MI 48170, postmarked by January 2, 2027.7. Publicity & Use of Entry InformationBy entering, each participant grants orsa credit union a non-exclusive right to use their name, image, voice, and any submitted photos or video for advertising and promotional purposes, in any media, worldwide, in perpetuity, without additional compensation or approval rights, except that a winner's participation in featured marketing beyond the standard "winner announcement" is voluntary and requires a separate signed release (see Section 6).Entering this sweepstakes does not enroll participants in marketing calls, texts, or email lists. Participants who wish to receive ongoing marketing communications from orsa credit union may opt in separately at orsacu.org.8. TaxesEach winner is responsible for all applicable federal, state, and local taxes on their individual prize. Because each prize value exceeds $600, sponsor will issue an IRS Form 1099 to each winner and must collect a completed W-9 from each winner before prize issuance.9. General ConditionsSponsor reserves the right to cancel, suspend, or modify this promotion if fraud, technical failure, or any factor beyond sponsor's control impairs its integrity, and to disqualify any entrant found tampering with the entry process, including use of automated, robotic, or bulk-submission methods to generate entries. By entering, participants release and hold harmless orsa credit union, its employees, and affiliates from liability related to participation or prize use.10. Governing LawThis sweepstakes and these Official Rules are governed by the laws of the State of Michigan, without regard to conflict-of-law principles. Any dispute arising from this promotion will be resolved in a court of competent jurisdiction in Michigan.11. PrivacyInformation collected will be used to administer this promotion in accordance with orsa credit union's privacy policy at orsacu.org/privacy-policy.12. Sponsor DisclaimerThis promotion is in no way sponsored, endorsed, administered by, or associated with any state or federal agency.
Maximum APR: The maximum Annual Percentage Rate (APR) that could apply to this account is 25%.
Fees and charges: Fees associated with this account may range from $0.00 to $3,000.You may be required to pay certain fees to third parties to open the plan. These fees generally total between $50.00 and $300.00. There are specialty loan programs that have fees that range between $1,500.00 and $3,000.00. If you request, we will provide you with an itemization of the fees you will have to pay to cover third party expenses.Existing Borrowers:
Existing HELOC borrowers must enroll in the promotion and meet all eligibility requirements. To qualify for the promotional rate, you must obtain qualifying HELOC advances totaling at least $10,000 during a single business day on or before December 31, 2026. Advances made on different business days cannot be combined to meet the qualification requirement. The promotional rate applies only to qualifying new advances and does not apply to existing HELOC balances. The promotional rate will remain in effect until through April 15, 2027, after which any remaining promotional balance will automatically convert to the standard variable APR applicable to your HELOC. Additional terms, conditions, and exclusions apply. See Promotional Advance Addendum for complete details.New HELOCS:
Promotional Rate available on qualifying new HELOCs. To qualify, advances totaling at least $10,000 must be requested and funded on a single business day on or before December 31, 2026. The promotional rate applies only to qualifying advances funded on the day the qualification threshold is met and remains in effect through April 15, 2027. Thereafter, any remaining promotional balance will accrue interest at the standard variable APR applicable under the HELOC Agreement. Additional terms, conditions, and exclusions apply. See Promotional Advance Addendum for complete details.**APY is Annual Percentage Yield (APY). Early withdrawal penalties and other fees may reduce earnings. Rates are subject to change at any time. orsa credit union membership is required. For more information see orsacu.org/disclosures.*** Annual Percentage Yield (APY) accurate as of September 16, 2026. $10,000 minimum deposit required to open account and to earn stated APY. Offer applies to new money only — funds not on deposit at orsa within the 30 days prior to account opening. Available at orsa branches and through our Care Center. A penalty of 180 days' dividends may be imposed for early withdrawal. Rate is subject to change without notice. Fees may reduce earnings. Federally insured by NCUA.