Get Inspired
A hub of stories, knowledge and resources that help shape financial futures and a better community.
Hours
Monday9:00am - 5:00pm
Tuesday9:00am - 5:00pm
Wednesday9:00am - 5:00pm
Thursday9:00am - 5:00pm
Friday9:00am - 6:00pm
Saturday9:00am - 1:00 pm
SundayClosed
Grand Opening Offer
We've got your 6, Novi!
Good neighbors watch out for each other, and that’s exactly what we’re here to do. We’re back in Novi, and we’re bringing you 6 exclusive, Novi-only deals to celebrate! From September 10 to November 9, 2026, you can score any (or all!) of them by stopping into our brand-new branch.
Save
Earn 4.26% APY†
with a $100 minimum + no upper limit on a 6-month Special Certificate1
Drive
No payments for 60 days
on your new, used, or refinanced auto loan4
Bank
Get $60 a month
for 6 months with a new CloseEnuff® checking account + direct deposit2
Borrow
0.60% APR‡ discount
on a new unsecured personal loan for the entire life of your loan5
Grow
10% APY† on up to $2,000
for first 6 months of your new High Yield Savings Account3
Home
Get $600
towards closing costs with a new mortgage6
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.
Grow, give, & feel the good with every tap.
Turn your spare change into community change, extra savings, or both!
With grow & give, we'll round up all your CloseEnuff™ checking spending to the nearest dollar and then automatically donate it, save it, or do a bit of both.
You choose the ratio, the charity, and the savings account, and we handle the rest—so every swipe comes with something to feel proud about!
We're here to help
Helpful Information
Whether you need information or help connecting to the right service, our Michigan-based team is ready to guide you and ensure you speak with the right people for your needs. We’re here to make things easy for you!
Care Center: (877) 937-2328
Monday-Friday: 8:00 am - 7:00 pm
Saturday: 8:00 am - 1:00 pm
Members traveling outside the U.S. should call (734) 453-1200 for assistance.
Your Mastercard® Debit Card is also your ATM card, giving you 24/7 access to your accounts on the go.
Alliance One & CO-OP ATMs
As a member of orsa credit union, you have access to two ATM Networks with thousands of participating surcharge-free ATMs. Alliance One and CO-OP Network ATMs can be found at credit unions and convenience stores across the country.
NYCE and CIRRUS ATMs
You can make deposits, withdrawals and balance inquiries with your ATM card at thousands of NYCE ATMs across Michigan. You can also obtain cash at CIRRUS ATMs worldwide. While we at orsa do NOT charge a fee for these foreign ATMs, the owner of the machine may impose a surcharge fee. These fees are posted on the ATM.
New Year’s Day- Thursday, January 1, 2026
Martin Luther King Day- Monday, January 19, 2026
Presidents Day- Monday, February 16, 2026
Memorial Day- Monday, May 25, 2026
Juneteenth- Friday, June 19, 2026
Independence Day (Observed)- Friday, July 3, 2026
Independence Day- Saturday, July 4, 2026
Labor Day- Monday, September 7, 2026
Indigenous Peoples Day - Monday, October 12, 2026
Veterans Day- Wednesday, November 11, 2026
Thanksgiving Day- Thursday, November 26, 2026
Christmas Eve- Thursday, December 24, 2026 (Close at 1:00 pm)
Christmas Day- Friday, December 25, 2026
Need to chat about a particular service? From new accounts to loans to business questions and beyond, we’re here for you—on your schedule.
Just tap below to schedule an appointment by phone, video or in-person at any of our branches!
Book an Appointment
Pay Online
Visit our Loan Payment Center.
Pay By Mail
Please use the following address:
P.O. Box 8050
Plymouth, MI 48170
Pay by Phone
Payments up to $7,500 may be made for a $10 fee over the phone with our Care Center at (877) 937-2328.
Still need more?
For more details on loan payments, see Make a Payment. Or call our Care Center at (877) 937-2328.
To ensure timely processing and expedite service, all legal correspondence should be directed to our headquarters at:
500 S Harvey
P.O. Box 8050
Plymouth, MI 48170-8050
At orsa credit union, You Are Enuff™ no matter who you are. And because we believe that everyone should Belong, we’re dedicated to making sure our branches are as welcoming to everyone as possible.
Wheelchair Accessible Services
Every branch has an accessibility plan to assist any members who are wheelchair-bound or otherwise unable stand in line. Specific accessibility features include:
- Hillman offers lower, easily wheelchair-accessible sections of the service line.
- Gaylord Main, Westland, and Wixom offer an office adjacent to the service line designated to assist members who need or prefer it.
- Plymouth designates the easy-access greeters' station near the entrance to assist our wheelchair-bound members.
- Members in any offices not mentioned above are addressed to best suit the member’s specific needs.
Power Assist Entrance Doors
Nearly all of our branches are equipped with easy-access power assist doors. Coming soon to our legacy buildings in Canton Center, Northville, and Lewiston.
ADA Parking Spots
All locations have ADA parking spots with at least one crosshatch area to accommodate safe access to member vehicles.
Future Branches with You in Mind
As we move forward with new branch construction around the state, we’re designing from the ground up to remove any barriers traditionally present in brick-and-mortar financial institutions.
Our routing number is 272483743.
For faster reference in the future, it’s always in our footer.
Keep more for what matters — in five minutes or less.
Ignite your Impossible Dreams. Open an account to become a member today.
Grand Opening Offer Details
General Promotional Terms
Promotion Period: September 10 through November 9, 2026.• Promotions are available only for qualifying new accounts and loans opened or originated at the Novi Branch during the promotion period, unless otherwise stated.• Members may participate in one or more promotions, including all six promotions, provided the member satisfies the requirements for each promotion.• Each promotion is subject to the specific terms and conditions described above.• Promotions may not be combined with other promotional offers unless specifically permitted by the Credit Union.• Membership eligibility is required.• Credit approval is required for all loan promotions.• Accounts and loans are subject to the Credit Union's standard terms, conditions, fees, and eligibility requirements.• The Credit Union reserves the right to verify eligibility and determine whether the requirements of a promotion have been satisfied.• Promotional offers are subject to applicable federal and state laws and regulations and may be changed or discontinued as permitted by law.This credit union is federally insured by NCUA. Equal Housing Opportunity.1. 6-Month Certificate
The 6-Month Certificate promotion is available only for qualifying new Certificates opened at the Novi Branch during the promotion period.The Certificate is subject to the Credit Union's standard Certificate terms and conditions, including the applicable dividend rate, Annual Percentage Yield (APY), minimum opening deposit, maturity date, early withdrawal penalty, renewal provisions, and other applicable terms.The applicable dividend rate and APY are those offered by the Credit Union at the time the Certificate is opened.Early Withdrawal Penalty: A penalty may be imposed for early withdrawal as provided in the Credit Union's Certificate disclosure and account agreement.Minimum Balance to Earn an Advertised APY: $100Minimum Opening Deposit: $100Annual Percentage Yield (APY): 4.26% APYAPY Availability: 6 monthsFees: Fees could reduce earnings on the account.2. CloseEnuff Checking — Earn Up to $360
Open a new CloseEnuff Checking Account at the Novi Branch during the promotion period and establish a qualifying Direct Deposit within 30 days of account opening.To earn the promotional incentive, the qualifying Direct Deposit must be maintained for six consecutive months. Minimum monthly direct deposit amount $600.Members who meet the promotion requirements will receive $60 per month for six months, for a maximum of $360 per membership.The CloseEnuff Checking Account must remain open and in good standing during the applicable qualification period. If the qualifying Direct Deposit is discontinued or the promotion requirements are otherwise not satisfied, the member may not receive future incentive payments.Minimum Opening Deposit: $5When the Incentive Will Be Paid: Within 30 days after 6-month qualifying term.Fees: Fees could reduce earnings on the account.Applicable account fees and standard account terms and conditions apply.3. High-Yield Savings — 10.00% APY
Open a new High-Yield Savings Account at the Novi Branch during the promotion period and earn 10.00% APY on the first $2,000 for six months.The promotional 10.00% APY applies only to the first $2,000 in the account.Any balance above $2,000 will earn the standard dividend rate and APY applicable 0.10% APY to the account.The promotional APY will apply for six months from the account opening date, provided the account remains open and in good standing.After the six-month promotional period ends, the account will earn the standard rate and APY then in effect.Minimum Opening Deposit: $5Minimum Balance Required to Earn 10.00% APY: $0.01Maximum Balance Eligible for 10.00% APY: $2,000.Promotional APY Period: Six months from account opening.Fees: Fees could reduce earnings on the account.Annual Percentage Yield (APY): 10.00%.4. Auto Loan or Auto Loan Refinance — Up to 60-Day Payment Deferral
Open a qualifying new auto loan (new or used) or refinance existing third-party auto loan at the Novi branch during the promotion period and defer your first loan payment for up to 60 days from the loan closing date.The payment deferral applies only to qualifying loans and is subject to Credit Union approval and the final loan documents.Interest will continue to accrue during the payment deferral period. Interest is deferred, not waived.Because interest continues to accrue, the payment deferral may increase the total amount of interest paid over the life of the loan and may affect the loan's final maturity date.The first payment due date will be established in the final loan documents.Credit approval is required. All other applicable loan terms, rates, fees, underwriting requirements, and conditions apply.5. Personal Loan — 0.60 Percentage-Point APR Discount
The 0.60 percentage-point APR discount applies for the life of the loan and is not subject to a per-account maximum.The promotional discount does not guarantee approval or a particular APR. The final APR and other loan terms will depend on the member's creditworthiness, loan amount, repayment term, and other applicable underwriting criteria.Credit approval is required.6. Mortgage — $600 Toward Closing Costs
Apply for a qualifying mortgage loan or refinance existing third-party loan through the Novi Branch during the promotion period and receive $600 toward eligible mortgage closing costs at closing.The mortgage loan must satisfy the Credit Union's applicable eligibility, underwriting, and closing requirements.The $600 promotional credit will be applied toward eligible closing costs at closing and has no cash value. The credit may not be paid directly to the member or received as cash back at closing.If the mortgage loan does not close, the $600 promotional credit will not be provided.Mortgage approval and eligibility requirements apply. Other mortgage loan terms, rates, fees, costs, and conditions are based on the applicable mortgage program and the member's individual circumstances.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.
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