The New Member’s Guide to orsa

Welcome to your new credit union!

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!

Step one: start your savings

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.

• High Yield Savings – Consistently ranked as one of the best in the nation, our High Yield Savings Account offers 10% APY* on your first $1,000 saved and a great rate at any amount past that. After all, your savings journey deserves a strong start.
• 52-Week Savings Challenge – 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!
• Grow Your Change – 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.

Step two: open CloseEnuff^™ checking

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

Okay, maybe 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.

• $50 overdraft buffer – 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.
• Buy Now. Pay Later – 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!
• Early Pay – 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.
• Easy direct deposit switch – 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.
• Debit card rewards – Earn points every time you swipe, redeem them for all kinds of gift cards, and reward yourself for even the most boring of spending!

Step three: set up digital banking

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

Download digital banking on the Apple App Store or Google Play^™ to…

• Manage accounts and track your spending with a single, easy overview.
• Monitor your credit score and stay up to date with any changes.
• Pay with digital wallet by simply tapping your phone on the card reader.
• Plan out potential loans and credit cards before making a commitment.
• Track debt & payment progress, while getting tips on how to pay it off faster.
• Budget & track savings so you can hit your financial goals faster.
• Get safety & fraud alerts 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.

• CDs – 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.
• Money Market – Earn higher rates at higher savings amounts, without limiting your ability to write checks or make withdrawals.
• Investments – Explore market options and build a personalized financial plan fit to your goals with our investments & insurance experts.
• Financial Counseling – 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.

Step five: get in touch

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 (877) 937-2328 to talk with a real human!

Want to talk about something a little more personal? Our financial counselors 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 calling our Care Center or signing up online!