Earn Up to 6% APY* on Your Everyday Checking Account Balance

Settling for Average Means Leaving Money on the Table

Members who open a Rewards High Yield Checking account can earn 6% APYon qualifying average daily balances up to $10,000 and 0.50% APYon balances above $10,000. That’s far higher than the national average savings rate of just 0.39%.¹

Qualifying for the rewards rate is simple with everyday activity like debit card purchases, online banking access, and e-statements.

Even the 0.50% rate on balances above $10,000 is about 7× higher than the national average checking rate of 0.07%¹
No monthly account fees when qualifications are met
No minimum balance requirements
Secure mobile and online banking tools
Up to $10 in out-of-network ATM fees refunded each cycle

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.

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” and link back to the OnPath Foundation website.

Open an Account

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.

About OnPath Credit Union

Frequently Asked Questions

Who can take advantage of/open an account?

Anyone who qualifies for membership with OnPath Credit Union can open a Rewards High Yield Checking Account. Membership is available to individuals who live, work, worship, attend school, or frequently do business in certain Louisiana parishes, have a family member connected to OnPath, work for a partner business, or by making a small donation to the OnPath Foundation.

Do I have to open an account at a branch?

No. OnPath offers the ability to open accounts online, making it easy to apply and manage your account digitally without visiting a branch. Mobile and online banking tools are also included for ongoing account access and management.

What if I don’t meet the qualifications?

If you don’t initially qualify through residency, employment, or family eligibility, you can still become eligible for membership by making a $5 donation to the OnPath Foundation.

Is my money safe?

Yes. Deposits at OnPath are federally insured by the National Credit Union Administration (NCUA). In addition, qualifying accounts may receive additional private insurance coverage through Excess Share Insurance Corporation for balances above standard federal limits.