Earn 4.00% APY*—Almost 11× the National Average Savings Rate¹

Stop Settling for Average Savings Returns

Members who open an Elite Money Market account can earn 4.00% APY on new money deposits of $25,000 or more. That’s almost 11× higher than the national average savings rate of just 0.39% APY.¹

*APY = Annual Percentage Yield. Elite Money Market dividends apply to qualifying new money deposits of $25,000 or more. Rates may change after account opening. See account details for full terms.

¹National average savings rates based on FDIC Monthly Rate Cap Information as of February 17, 2026.

Earn 4.00% APY on qualifying balances
A strong return without locking funds into long-term certificates
Maintain access with up to three penalty-free withdrawals each month
Secure mobile and online banking tools
Federally insured deposits for peace of mind

Our High-Yield Accounts Are Available to Atlanta Residents

Residents of Atlanta, Georgia can join OnPath Credit Union by donating just $5 to the OnPath Foundation, which focuses on building stronger communities through financial education, entrepreneurship, and homeownership

Open an Account

Opening an Account is Easy

Step 1: Apply

Complete a quick application with your basic information—it only takes a few minutes.

Step 2: Verify

We’ll securely confirm your details to keep your account safe.

Step 3: Open

Review, sign, and fund your account so you can start banking right away.

Why Bank With OnPath Credit Union

Many online banks compete by minimizing overhead. OnPath offers the same features and low-fee account options, often with better yields, by operating as a not-for-profit credit union.

See how much more a financial institution can do when it doesn’t have to pay investors or stockholders. Join OnPath today.

Frequently Asked Questions

Who can take advantage of/open an account?

Anyone in the United States can open an Elite Money Market Account by becoming a member of OnPath Credit Union. Membership can be obtained through standard eligibility requirements or by making a $5 donation to the OnPath Foundation. The account is especially ideal for individuals or businesses looking to grow larger savings balances while maintaining access to their funds.

Do I have to open an account at a branch?

No. Elite Money Market Accounts can be opened online, allowing members nationwide to apply and manage their savings remotely without needing to visit a physical branch.

What if I don’t meet the qualifications?

Even if you do not qualify through traditional membership requirements, you can still become eligible by donating $5 to the OnPath Foundation. For the highest advertised APY, the account requires at least $25,000 in new money deposits.

Is my money safe?

Yes. Elite Money Market deposits are federally insured by the National Credit Union Administration. OnPath also offers additional insurance coverage through Excess Share Insurance Corporation for qualifying balances above federal insurance limits, providing enhanced protection for larger deposits.

Why choose the Elite Money Market Account?

Fast growth

You’ve worked hard for your money. Now watch it skyrocket with 4.00% APY* on new deposits of $25,000 or more.

Worry-free

Your deposits are insured so you can rest easy knowing you're money is safe, regardless of what happens in the market.

Easy access

Life happens, and when it does, your money is there for you. Enjoy the flexibility of up to three free withdrawls each month-at no extra cost.

Disclosures
*APY = Annual Percentage Yield. The 4.00% APY on an Elite Money Market Savings Account applies only to new money with balances of $25,000 or more. Dividends are paid monthly. Rates may change without prior notice, and other terms and conditions may apply. Deposits are federally insured by the NCUA. Additional insurance coverage up to $750,000 is available for qualifying accounts through OnPath FCU's private insurance via Excess Share Insurance Corporation. For more information, visit BeOnPath.org. Rates may change after account is opened.