Kids Accounts
Building the foundation for their financial future, together.
AGES 0-12
Raising money-smart
kids starts here
Good habits start young! More than just a place to stash savings, our kids’ financial services are designed to help children build smart money skills early—so they can save, spend, and dream big with confidence. From first-time savings accounts to hands-on learning tools like the Greenlight debit card and the Save. Spend. Give. Program, orsa credit union makes it easy for you to set them up for success.
Looking to get started with our Save. Spend. Give. Program?
Start by opening a Kids Savings Account for your student! Visit our Save. Spend. Give. Program page for more info.
Kids Savings Account
It all starts with savings
Start your child’s savings journey early with a Kids Savings Account built for big dreams! With great rates, easy deposits, and fun ways to learn about money, they’ll be set up for success from the start. Free to members under 12.
Youth High Yield Savings
Kickstart their financial foundation early with 10% APY!*
Give them a strong start with 10% APY on their first $1,000, plus a boosted rate after that! It’s the High Yield Savings that Marketwatch named one of the best, built just for kids and teens.
*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.
Greenlight Debit Card & App
Greenlight Debit Card & App
Like a debit card with training wheels
Free* to orsa members, the Greenlight debit card & app are designed for kids and students that puts parents in full control. Add allowance money to the card automatically with the Greenlight app, and even create chore lists that pay out as things get checked off! Parents can also monitor their student’s spending, with real-time notifications to keep you in the loop about their progress!
Save. Spend. Give. Program
Earning while learning at school
To invest in the future of Michigan we’re giving students hands-on financial experience at 50+ schools across the state—and empowering them to run the whole show! Because when you build a more financially aware and stable generation, they’re more likely to build a stronger, more prosperous Michigan for us all.
Contact Us
Need a hand getting set up?
All good. We’re here to help!
Kidpreneurs born here
The earlier they learn how to handle their money, the better off they’ll be. Learn more about how we’re empowering kids.
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!
Guide
The Brand-New Investment Account for Newborns—That Comes With $1,000
Investing in their future is more important than ever—and the Fed’s new Section 530A Account can have them earning dividends while they’re still in diapers. Here’s everything you need to know for the July 2026 launch.
Guide
The Brand-New Investment Account for Newborns—That Comes With $1,000
Investing in their future is more important than ever—and the Fed’s new Section 530A Account can have them earning dividends while they’re still in diapers. Here’s everything you need to know for the July 2026 launch.
Kids, Teen & Young Adult Services
Grow with them
Because kids evolve as they grow, our financial tools grow with them. From easy beginnings to more full-featured accounts, we’re here to help you guide your family to a strong financial future.
Frequently Asked Questions
Kids Accounts FAQ
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
*orsa customers are eligible for the Greenlight SELECT plan at no cost when they connect their orsa account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 2/19/2028. Offer subject to change and partner participation.