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LocalIQ

Michigan

orsa credit union is a for-impact, full-service financial institution headquartered in Plymouth, Michigan, with 15 branches across southeast and northern Michigan, more than 340 employees, and $1.5 billion in assets. Founded in 1951, orsa serves more than 84,000 members.

National Credit Union Administration (NCUA)

orsa credit union

Card Activation Phone

PIN Creation Phone

Mastercard Guides Available

Protection Programs

Buy Now Pay Later

Activate your orsa credit union card, create a PIN, and access Mastercard Guide to Benefits and credit card disclosures. Includes consumer and business debit and credit card guides, cardholder agreements, rate disclosures, Mastercard Zero Liability Program, ID Theft Protection, credit card points redemption, and Buy Now Pay Later terms.

Activate your new card by calling (800) 631-3197 from your primary phone. Create a PIN by calling (888) 886-0083 from your primary phone.

Activate Your Card or Create a PIN

Mastercard Guide to Benefits

Credit Card Disclosures

Card Disclosures & Resources

Credit Card Terms & Disclosures

Home

Credit Cards

Card Disclosures

Review essential terms and conditions for orsa Mastercard® credit cards, including APR rates, fees, and cardholder agreements for both personal and business accounts.

Credit Card Terms & Disclosures | orsa credit union

 from your primary phone to activate the card.

Your orsa Mastercard provides additional benefits & protection.

Consumer Debit Mastercard Guide to Benefits

Business Debit Mastercard Guide to Benefits

Platinum & Platinum Rewards Mastercard Guide to Benefits

Credit Card Info and Disclosures

Activating a new card or looking for the finer details? We've got you covered.

Card Network

Annual Fees

Personal Card Options

Business Card Option

Platinum Rewards Rate

World Mastercard Rewards Rate

Business Mastercard Rewards Rate

Rewards Redemption Options

Charity Partners

Limited Time Bonus Period

Contactless Payment

Digital Wallet

Rewards Portal

Low-rate, high-reward Mastercard credit cards from orsa credit union with no annual fees. Three personal credit card options: Platinum Mastercard (non-variable rate, ideal for building credit), Platinum Rewards Mastercard (1x points per dollar on every purchase), and World Mastercard (1.5x points with premium travel perks). All cards feature zero annual fees, digital wallet, contactless tap to pay, Buy Now Pay Later, credit score tracking, digital card issuance, Mastercard Zero Liability protection, and automatic fraud alerts. Earn rewards redeemable for cash back, gift cards, travel perks, or charitable donations to local organizations including the orsa foundation, Tony Roko Art Foundation, and Ruth Ellis Center. Business Mastercard also available with 2x points.

From building credit to buying groceries, the non-variable rate Platinum Mastercard is a simple way to swipe and always stay on top of spending. No annual fee.

Platinum Mastercard

Stacking up points with every swipe means getting more out of your purchases. For frequent card users and fans of rewards. Earn 1x points on every dollar spent. No annual fee.

Platinum Rewards Mastercard

Check destinations off your list and make those regular flights more comfortable, with extra points and tons of Mastercard perks on all kinds of purchases. Earn 1.5x points on every dollar spent. No annual fee.

World Mastercard

More points, more power. Everything you need to grow your business: 2x points on every dollar, statement rebates on qualified purchases, and more. No annual fee.

Business Mastercard

orsa Credit Card Options

orsa Credit Union Mastercard® Credit Cards

All orsa Mastercard credit cards come with zero annual fees, zero upkeep fees.

No Annual Fees

Platinum Rewards and World Mastercard holders earn points on every purchase, redeemable for cash back, premium gift cards, travel perks, or charitable donations to local organizations.

Rewards Points Redeemable for Cash Back, Gift Cards, Travel & Charity

Donate collected credit card rewards points to local charities including the orsa foundation (housing affordability), Tony Roko Art Foundation, and Ruth Ellis Center.

Charitable Rewards Donations

Link your card to your phone's digital wallet for contactless payments. Tap to pay at contactless terminals for faster, safer checkout.

Digital Wallet & Contactless Tap to Pay

Turn online and in-store purchases into easier-to-handle installment plans, helping save money on interest and increasing cashflow.

Buy Now, Pay Later

Track your credit score through digital banking to monitor progress and stay ahead.

Credit Score Tracking

Get a digital version of a new or replacement card to start using immediately while waiting for the physical card.

Digital Card Issuance

Track transactions and budget spending with the orsa digital banking app from anywhere.

Spending Management via Digital Banking

All orsa Mastercard credit cards are protected by the Mastercard Zero Liability Policy against unauthorized transactions.

Mastercard Zero Liability Protection

All orsa Mastercard credit cards are automatically enrolled in receiving fraud alerts for ongoing protection.

Automatic Fraud Alerts

Become an orsa Member

Banking

Yes! Both the orsa Platinum Mastercard® and Platinum Rewards Mastercard® are available as secured credit cards. They are a great tool for building or restoring credit, and they offer many of the same great features found on our other cards! To apply for a secured credit card, apply online or visit one of our branch locations.

Do you offer a secured credit card?

Yep—and it’s easy, just apply online! Select “Limit Increase” on the following page to start your application process.

Can I increase my overall credit limit?

Yes! To increase your daily credit limit, simply call our Care Center at (877) 937-2328 or stop by one of our branch locations.

Can I increase my daily credit limit?

To update your PIN, please call (888) 886-0083 from your primary phone number.

How do I update my PIN?

Please call our Care Center at (877) 937-2328 or stop by one of our branch locations. One of our team members will walk you through the next steps.

What do I do if my card was lost or stolen?

Yes please! You can prevent service interruptions during your trip by logging into digital banking or calling our Care Center before you go at (877) 937-2328.

Should I let orsa know if I plan to travel abroad?

To switch credit cards, please call our Care Center at (877) 937-2328 or stop by one of our branch locations.

How do I switch to a different card?

Elevate your spending with credit cards from orsa credit union! Enjoy low rates, fantastic rewards, and a community-driven mission. Apply today! 

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Card Disclosures

Activate Your Card or Create a PIN

Mastercard Guide to Benefits

Credit Card Disclosures