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A hub of stories, knowledge and resources that help shape financial futures and a better community.
Get Inspired
From our latest impacts and financial tips to what it means to Belong, see how we’re making Impossible Dreams come true in the Michigan communities we serve.
Showing 21 results for Borrowing
Guide
HELOC for Home Improvement: What Michigan Homeowners Need to Know
The state’s harsh winters and older-than-average housing stock mean Michigan homeowners often need to renovate more often. The good news is that a Home Equity Line of Credit (HELOC) can make those renovations far easier to finance. Using smart financing and finding the right renovation projects can translate into serious long-term benefits. Here, we explain how to make that choice based on your unique needs.
Guide
HELOC vs. Home Equity Loan for Michigan Homeowners
Even after an interest rate cut in 2025, Michiganders are still getting squeezed between high borrowing costs and rises in the cost of living. That’s made paying for things like home improvements or even retirement more difficult than ever. Fortunately, in times like this, Michigan homeowners can turn to their own home equity to finance their needs and wants more conveniently and affordably.
Guide
Benefits of a Credit Union vs. Bank
Think the differences between banks and credit unions is all technical stuff for finance geeks? Think again! Knowing the differences can have a huge impact on you and your money, from a retirement with more time at the lake to healthier Michigan communities.
Guide
The New Member’s Guide to orsa
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!
Story
The Family Financial Circle: Passing Wisdom, Wealth, and Wild Dreams Forward
Money is more than numbers in an account—it’s a story that spans generations. Here’s how to pass on your hard-earned wisdom, wealth, and wild dreams!
Guide
Mortgages as Forced Savings?
A guide to understanding how mortgages can help train you to save better.
Guide
How to Navigate Expensive Debt
Tips to navigate a more expensive world of debt when the cost of borrowing is spendy.
Guide
What is a HELOC?
Everything you need to know about a Home Equity Line of Credit
Guide
How Much Car Can (Should!) I Afford?
A simple and straight-forward guide to figuring out how expensive of a car you should buy or lease on your budget.
Guide
Is Buying or Renting Right for You?
A straight-forward guide to deciding if you should rent or buy your home.
Guide
Home Improvement Budget Tips
Follow this guide for easy home improvement tips on a budget so you can finally ditch those old kitchen cabinets!
Guide
How to Budget for a New Car
Lease? Buy? Uber? Find the right transportation option that won’t break your budget.