Young Adult Loans
Helping you chase your Impossible Dreams.
We believe in dreamers.
Truth is, it can be tough for younger adults to get ahead when you’re trying to pay for school or get credit for the first time. orsa credit union is here for you with simple lending options that are built to help members like you make your Impossible Dreams happen.
Young Adult Auto Loans
Auto loans
Whether it’s getting to work or school, a car is key. With credit union auto loans built for you, we can help make your dealer negotiations about the car... not the payments.
Pro Tip: Know before you go...
Apply before you talk to the dealer. Knowing your loan amount and monthly payment ahead of time makes your negotiation easier.
- Competitive loan rates
- No application fees
- Flexible terms up to 84 months
- .25% rate discounts when payments are automatically taken from checking
- Digital banking support
- Local, fast and friendly service from a credit union that puts you first
Auto Loan Rates
Date Updated Dec 18, 2025
APR* as low as | Term |
|---|---|
New or Used |
|
6.49% | 60 Months |
Classic, Collectible & Special Interest Autos |
|
8.24% | 48 Months |
Terms available for 84 months and longer, call to get a personalized quote.
*Annual Percentage Rate (APR). Individual rates vary and are dependent on individual credit history and other underwriting factors. Auto loan payment example: A $15,000 loan amount on a vehicle with 20% down, an excellent credit score, a 60 months term and a 6.74% APR, the monthly payment would be $295.23. An additional .25% rate discount is applied when payments are automatically deducted from an orsa credit union checking account. May require co-signer. Programs, rates, terms, and conditions are subject to change without notice.
Private Student Loans
Student loans
Our innovative Student Choice private student lending solution is designed to help you responsibly fill funding gaps that may remain after you've exhausted lower-cost sources of aid.
Benefits of our solution
- Available for undergraduate and graduate students
- Competitive fixed and variable interest rates
- Secure funding from our line of credit even if you're unsure of your college or exact funding needs
- Potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during repayment
- Multiple repayment & in-school deferment options
- Borrow locally from a for-impact credit union you can trust
Student Loan Refinance
Student loan refinance
Take control of your student loan repayment! Refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment and potentially lowering your rate.*
Benefits of our solution
- Competitive interest rates
- Flexible repayment terms to fit your needs
- Potentially reduce your rate by 0.25% by enrolling in automatic electronic payments during repayment
- Borrow locally from a for-impact credit union you can trust
*IMPORTANT NOTICE: By refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans. Please review this important disclosure for more information.
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.
Ignite your Impossible Dreams
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Kids, Teen & Young Adult Services
Whoa... too much, too soon?
If you’re a parent or you haven’t quite turned 18, it’s all good. We’ve got you covered too!
What We Do
Making Impossible Dreams come true on the daily.
Wherever you are on your financial journey, you Belong here.
