So, you just became an orsa member—what now? In this guide, we’ll walk you through the accounts and services that make orsa stand out, and what to do next to make the most of them! 

The New Member’s Guide to orsa 

From the entire orsa team, we’re glad to have you here. Make yourself at home, and we’ll show you around.

Whether you’re looking for a nationally ranked high-yield savings account, fewer checking fees, or simply a more convenient experience, we’ve got you covered. Here’s a quick guide to get you started!

From rainy-day funds to funding your new cottage up north, we’re here to make every savings journey faster, easier, and headache-free. In addition to a nationally ranked High Yield Savings Account, we also have accounts designed to kickstart progress or help you save a little extra automatically.

, our High Yield Savings Account offers 10% APY* on your first $1,000 saved 

 a great rate at any amount past that. After all, your savings journey deserves a strong start.

 – Every week, we’ll make an automatic transfer from any account you choose into a new 52-Week Savings Account. Transfers start at a dollar or less and double each week, saving you up to $1,378 in a year without lifting a finger!

 – When you use your orsa debit card, we’ll round up the change to the nearest dollar and deposit it into whatever orsa account you’d like—so you’re able to save money every time you spend some.

When it comes to checking at orsa, there’s only one word you need to know: 

 it’s two words smushed together. Still, CloseEnuff

 is all about going the extra mile for our members—so it’s a fitting name for an account that’s packed full of powerful perks designed to help make every dollar go further. It’s the only adult checking account we offer, because it’s the only checking account you need.

 – If you overdraft your account by $50 or less, you won’t pay a penny. No more second guessing, constant balance checking, or big fees for going a few cents over.

 – Unfortunately, big surprise expenses happen. That’s why we let you break down big purchases into small monthly payments, even up to 60 days after the fact!

 – Payday not lining up with your bills? Early pay lets you get paid up to two days sooner, so you can spend it when you need it most.

 – We’re just as sick of painful setup processes as you are, so we made switching your direct deposits to CloseEnuff™ simple, quick, and completely paperwork free.

 – Earn points every time you swipe, redeem them for all kinds of gift cards, and reward yourself for even the most boring of spending!

We know how busy life gets, so we’re always looking for ways to take financial chores off your plate. 

 is our app (and web platform) that packs all the power of a physical branch right into your pocket, so you can manage your money no matter where you’re at.

 and track your spending with a single, easy overview.

 by simply tapping your phone on the card reader.

 and credit cards before making a commitment.

, while getting tips on how to pay it off faster.

 so you can hit your financial goals faster.

 to keep your money, information, and peace of mind secure.

Step four: plan for the future & get growin’

Planning for your future should be exciting, not overwhelming. We’re here to help your wild dreams to life and embrace the endless opportunities along the way, which is why we offer a number of accounts and tools specifically designed for long-term growth that doesn’t get in the way of your day-to-day.

 – Earn a fixed rate (and guaranteed returns!) over a set period of time ranging from a few months to a few years, with no market exposure or need to constantly manage your funds.

 – Earn higher rates at higher savings amounts, without limiting your ability to write checks or make withdrawals.

 – Explore market options and build a personalized financial plan fit to your goals with our investments & insurance experts.

 – Not sure what goals to set, or how to get started? Our financial counselors can help you create a plan to build savings, pay off debt, and build smart financial habits that stick.

Have an account question? Wondering about branch services, or an event we’re hosting? Whatever it may be, we’re always happy to help our friends and neighbors. Give our Michigan-based Care Center a call at 

Want to talk about something a little more personal? Our 

 are here to help, from big-picture financial plans to little budget tweaks. Appointments are totally free for orsa members, with both online and in-person options. Book yours by 

The New Member's Guide to orsa

Membership

Learn More

There’s a lot more to orsa than we could ever fit in just one blog. Explore, poke around, and learn about what it means to be a member!

orsa Membership

Check out our other member benefits!

Make your “impossible” home ownership dream possible with our comprehensive credit union path to home ownership.

h-Ope!™

h-Ope!™ Affordable Housing

In collaboration with the Local Impact Alliance, our orsa Scholarship Fund awards scholarships to our members each year! 

Scholarships

We’re proud to partner with 50+ school districts all over Michigan to bring fun, real-world financial education to 1st through 12th graders throughout our communities!

Save. Spend. Give.

Save. Spend. Give. Program

From first-timer to first-time-on-their-own, we have the tools and support you need to put your littles and bigs on the right financial path.

Kids, Teens, Young Adult

Kids & Students 

We celebrate your big goals and even bigger dreams.

Member Highlights

In bright spots

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The first program of its kind in the country, we’re working with Cancer Care Advocate Andy Janning to create compassionate and personalized support for those battling cancer. 

Cancer Care Agents

Cancer Care Agent

Caring, confidential financial support for survivors of economic abuse. In partnership with First Step of Michigan.

Choose The Bear

Choose The Bear™ 

Compassionate, expert guidance to help you handle the complexities that come up after losing a loved one.

Steps After Life

Get the tools and info you need to get your dreams and your money on the right track.

Financial Wellness

Because we’ve been there, we’re here to help where we can.

Member Support

And dark moments

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Join Now

Looking to make your Impossible Dreams possible? Your membership can help make it happen!

You are Enuff™

Banking

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

Borrowing

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

Growing

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

Business

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

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

What We Do

Making Impossible Dreams come true on the daily.

See what a bear, a factory, and the iconic Daisy air rifle have to do with igniting Impossible Dreams.

History

Our History

Membership has its perks—see what’s in it for you. From great rates to exclusive rewards, being a member means more. Check out all the ways we’ve got your back!

Member Benefits

See all the communities we serve across our great state of Michigan.

Locations

Michigan Locations

Discover how we make more of your money by raising up Michigan communities. 

Community Impact

More About orsa

Get to know us

The New Member’s Guide to orsa

We won’t let rising tuition costs get in the way of a secure future for our members. We’re teaming up with the Local Impact Alliance again to award a total of $40,000 to Michigan students chasing their higher education dreams—and applications are open! 

2026 orsa Member Scholarships Are Now Open!

Supporting education & bringing wild dreams to life

orsa Scholarship Fund, in partnership with the Local Impact Alliance, is awarding 15 Michigan students with a total of $40,000 in educational funding!

From dream jobs locked behind expensive degrees, to the training it takes to break into a lucrative trade, there’s a good chance that higher education is an essential step in the future you’re building.

We can’t stand to see Michigan students put their dreams on the backburner just because tuition costs keep rising, so we created orsa Scholarship Fund to help level the playing field.

Supporting our students isn’t just a big deal on the individual level. Investing in education creates impact that our communities, industries, and entire state will someday feel. Just like interest compounding over time, the good we do today is what sets the stage for even greater things down the road.

How do orsa scholarships work? Who can apply?

There’s a total of ten $3,000 undergraduate scholarships available, as well as five $2,000 CTE trade school scholarships.

As long as you’re an orsa member with an account opened before December 31, 2025, and you’ve applied at (or been accepted to) an undergraduate or CTE program at an accredited college, university, or trade school, then you’re welcome to apply!

orsa board members, employees, and their family members are ineligible. For a full list of qualifications, visit our 

Scholarship applications are entirely online! All you need is the last four digits of your orsa account number, your latest transcript, and a letter of recommendation from someone other than a family member.

Once you have all that together, you can start a 

Not a student? You can still get involved!

Want to help support students while investing in Michigan’s future? The orsa Scholarship Fund is always accepting member contributions, and you can 

If you’d like to discuss your contribution with an orsa foundation team member directly, you can reach them at 

. Every cent is another step towards bringing our students’ wild dreams to life!

2026 Scholarships Open Blog Post

Apply Now

Email Mili Tandon

Have your submission materials ready? Apply here!

Apply for an orsa Scholarship

Apply now!

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Ignite your Impossible Dreams

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!

Dreaming Wild: Introducing the Orsa Innovation Hub!

Dreaming wild with Plymouth-Canton Educational Park!

It’s official! orsa credit union is proud to partner with Plymouth-Canton Community Schools (P-CCS) on a bold, long-term investment in students, educators, and the future of our community.

A transformational partnership between orsa credit union, the credit union you knew as Community Financial, and 

 (P-CCS) is bringing a long-held vision to life: a community-powered hub designed to expand opportunity, spark curiosity, and provide real-world experiences that prepare students for a rapidly changing world.

More than a sponsorship, this is a 25-year public-private collaboration built on shared belief: when students are trusted with opportunity, supported by their community, and encouraged to explore what’s possible, incredible things happen.

Located at Canton High School, the Orsa Hub serves as a dynamic ecosystem for exploration. Students will engage in robotics, artificial intelligence, digital storytelling, financial wellness, sustainability projects, and design experiences within flexible, collaborative spaces. Guided by educators, expert mentors, and strong ties to local industry, learners will apply ideas through immersive programs to foster leadership, curiosity, and creativity across their K-12 journey.

orsa credit union was founded 75 years ago by Daisy Air Rifle factory employees in Plymouth, Michigan. This community has always been home, and public education has always been a cornerstone of the For-Impact investment the credit union is dedicated to supporting.

Our 25-year, $5 million commitment to the Orsa Hub reflects that legacy and our belief in standing with students for the long haul. Carrying the orsa name, the Hub signals a financial investment coupled with presence, partnership, and shared responsibility for what comes next.

At orsa, we believe financial confidence and future readiness should never be a privilege. They are essential to strong communities and a healthy Michigan.

Across the state, we support youth through modern financial education programs, student-led learning experiences, and savings tools that grow with young people as they build lifelong habits through our redesigned 

. Bringing an engaging new learning experience to 50+ schools across Michigan.

 even more flexible and accessible for savers at every level. So that everyone, from 

 and beyond, can learn to make savings a habit while experiencing the joy of boosted returns with a 

 graduation to ensure that we grow with our young Michiganders as they grow their financial knowledge and responsibility.

This partnership with Plymouth-Canton Public Schools is intended to serve as our physical presence for financial education and innovation, a STEM hub, and a resource for future-focused careers, all of which are so important to fostering financial stability for years to come.

This partnership creates a home base for future-focused careers, emerging technologies, and new ways of learning that meet students where they are and help them imagine where they could go.

What does this mean for Michigan’s future?

Breaking down barriers to financial success, one student at a time.

This investment is about widening access, not narrowing opportunity.

That’s why this investment is focused on expanding access to financial and STEM education—helping kids learn how money works, build strong habits early, and grow real career skills that last a lifetime. In the true spirit of Belonging, this is about widening who gets to build a secure financial future, not just who already has the advantage. And we couldn’t be more excited to help make that possible!

Every orsa member plays a role in making this possible.

 we exist to create joy and ignite Impossible Dreams

. Which is why we’re working hard to ensure that the next generation of Michiganders is ready for the future. Your membership helps fund investments like the Orsa Hub. These investments strengthen communities, support educators, and prepare the next generation to lead, build, and dream boldly.

Together, we are planting seeds that will grow for decades to come.

Introducing the Orsa Innovation Hub Blog Content

Earning while learning at school

Greenlight Debit Card

Learn More About Greenlight

Greenlight for Kids: Like a debit card with training wheels!

CloseEnuff™ Checking

Because You Are Enuff™, we’re building the best cashflow boosting checking in Michigan!

High Yield Savings Account

Boosted high-yield APY with easy digital banking makes us a great place for savers.

High Yield Savings

Growing a financially savvy future for Michigan, one amazing kid at a time!

Kids & Teens

orsa foundation

Working to tackle Michigan’s largest barrier to economic prosperity: housing affordability.

orsa credit union is the next chapter in a 75-year story of showing up for Michigan through life’s milestones, challenges, and impossible dreams. 

Thank you for being part of our story. We’re excited to keep building what comes next, together.

75 years strong. And just getting started!

Explore who we are and why we work so hard to help Michiganders achieve their wild, Impossible Dreams.

About Us

Who we are

See what a bear, a factory, and the iconic Daisy air rifle have to do with igniting Impossible Dreams. 

Membership has its perks—see what’s in it for you. From great rates to exclusive rewards, being a member means more. Check out all the ways we’ve got your back! 

Discover how we make more of your money by raising up Michigan communities.

More About orsa credit union

 Curious? Get to know us a little better…

Become a Member

Ignite your Impossible Dreams. Become a member today!

Dreaming Wild: Introducing the Orsa Hub!

We’ve partnered with Music Hall Detroit to ignite joy and inspire even more access to the arts with an exciting new partnership in the Motor City! 

Joy has a Sound: Announcing Orsa Music Hall!

orsa credit union and Music Hall Detroit are coming together to invest in the future of music and culture in Detroit with Orsa Music Hall!

Music Hall Center for the Performing Arts

, one of the city’s iconic cultural institutions, and 

, the credit union you knew as Community Financial, have secured a transformative partnership that includes naming rights to the new 

, along with long-term support for programming, education and community engagement.

Why is orsa making an investment in Music Hall Detroit?

When we started this, we didn’t ask, ‘Where can our name go?’ We asked, ‘Where does Detroit’s future need support?’

Music Hall Detroit is approaching 100 years of cultural leadership. From the swing of Count Basie’s orchestra to the poetry of Eartha Kitt and the legacy of Aretha Franklin, it has shaped Detroit’s identity through music, performance, and access to the arts.

Detroit is in a moment of reinvention. And strong cities grow on culture. The creativity it inspires ignites moments of reinvention and anchors cities during transitions.

Because orsa exists to create joy and ignite Impossible Dreams across Michigan, we are making this intentional, long-term investment to ensure that the Music Hall continues to grow its impact—both culturally and economically. Fueling foot traffic for local small businesses, sparking tourism, and igniting talent attraction. All while making Detroit a city where people from around the country want to move and live.

Access, creativity, and community vitality. (And that’s just the beginning!)

Joy shouldn’t be a luxury. It’s a vital part of any community’s social fabric. Which is why this investment is designed to broaden the reach of the arts, expand educational programming, and create more opportunities for artists, students, families, and audiences across the region. In the true spirit of Belonging, this is about expanding who gets to participate in culture, not just who can afford it. And we couldn’t be happier.

Your membership just got even more exciting.

If you love music and the arts, stay tuned. There are some very exciting things to come! In the meantime, you can share your passion and excitement by celebrating with our new member-exclusive 

Music Hall Announcement Blog Content

For nearly a century, that sound has echoed from the heart of Detroit through the work of the Music Hall Center for the Performing Arts, a place where artists, audiences, and ideas collide to create something unforgettable.

As the Music Hall approaches its 100th anniversary, orsa credit union is honored to stand alongside them at the outset of their next chapter, investing in the expansion of their mission and the creative future of Detroit for decades to come. At orsa, the credit union you knew as Community Financial, we are united by a shared belief that the arts do more than entertain. They spark possibility.

Our new name reflects who we have always been and where we are going next. Choosing orsa was about clarity, courage, and committing even more boldly to our purpose at a moment of growth, for our member-owned cooperative and for the communities we serve.

That same spirit lives in this partnership. Through a 25-year naming agreement, we are proud to showcase our commitment to Detroit and the arts while also telling our story. We are proud to shine vibrantly as the Orsa Music Hall. This moment is not about a name on a building. It’s about a partnership rooted in creativity, long-term belief, and an unshakeable commitment to Detroit and to all Michiganders.

At orsa, our purpose is simple and ambitious: to create joy and ignite Michiganders’ impossible dreams. The arts are essential to that purpose. They invite us to feel, to question, to connect, and to dream bigger than we thought possible. Few institutions embody that spirit more powerfully than the Music Hall, whose history mirrors Detroit itself, resilient, expressive, and endlessly creative.

We believe in Detroit as a city people nationwide dream of moving to, building in, and belonging to. We invest in partnerships that shape that future with intention and heart. Our new Grand River location reflects our commitment to showing up for Detroit’s residents as boldly as we support Michiganders across the state, where our cooperative has grown. This partnership is one more way we say, clearly and publicly: Detroit matters. Arts matter. Joy matters.

We are proud to begin this journey with the Music Hall and grateful to the artists, supporters, and community members who make this place extraordinary. Together we honor history while making space for what’s next, for new voices, new audiences, and new impossible dreams.

Let the music play. Let the dancing begin. Let the joy be loud. Huzzah!

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