Teen Bank Accounts
A smart financial start for smarter Michigan teens.
AGES 13-18
Your Money, Your Journey, Your Future.
Truth is... money is more than just numbers in a cash app. It’s a tool to shape your future. With the right resources, you can take control of your financial journey and unlock opportunities to turn your Impossible Dreams into reality. And we’re here to help every step of the way.
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.
Teen Checking Account
Unlock adult level skills
Bank like a boss. With our Teen Checking Account, you get real-world money tools—mobile banking, a debit card, and Rewards—so you can take your first steps toward learning to spend and budget like an adult.
Teen Savings Account
Get ahead of the savings curve
Saving now means more freedom later. With our Teen Savings Account, you’re setting yourself up for big possibilities—whether it’s your first car, college, or something even bigger. Start building smart habits today and get ahead of the curve!
Scholarships
Scholarships
Scholarships that invest in you
College and career education unlock your future, and we're dedicated to helping you reach it. Our scholarships support young adult members working toward university degrees, trade certifications, technical skills, and professional development, because your goals deserve real backing.
Save. Spend. Give. Program
Earning while learning at school
Make your money grow by joining one of our 50+ Save. Spend. Give. Programs at schools across the state. Available to students through 12th grade, not only will you earn interest that grows your savings, but you can actually join the team and run the whole show. It’s a hands-on experience that can give you a leg up in your future career and looks awesome on a college application.
Young Adult Loans
Got Impossible Dreams? We got you.
From building credit with credit cards to auto loans and private student loans built for your needs, we’re here to walk with you through the process and help you make your dreams possible.
Contact Us
Need a hand getting set up?
All good. We’re here to help!
Ignite their Impossible Dreams
News
Meet orsaWatch: Subscription Manager
Spot monthly subscriptions. Collect them all in one place. And even cancel what you don’t want right from digital banking. No extra apps. No extra subscriptions. All free for orsa members!
News
2026 orsa Member Scholarships Are Now Open!
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!
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!
Kids, Teen & Young Adult Services
Ope! Not a teen?
All good. We have member-centered accounts and services built for every age and stage!