Kiss High-Interest Debt Goodbye!

Transfer your high-rate credit card 

balances to OnPath Credit Union and save

Apply now

A Smarter way to handle holiday debt

Holiday spending hits hard. Bills pile up. Rates climb. Before you know it, stress starts to drag you down. That's why we built a balance transfer option to help you get back on track fast. 

You deserve a break from high interest rates that keep you stuck with heavy payments. Here's the perfect way to lighten the load for the new year. 


Apply Now.

Image showing 0% balance transfer offer

Move your high interest balances to an OnPath credit card and start with a rate that actually helps you recover. Six months at 0% APR on balances transferred on the first 90 days gives you space to reset and get ahead. 

You deserve a better way forward. OnPath is here to help you find it. 

 

Getting Started is simple

  1.  Apply for an OnPath Low Rate or Rewards Mastercard
  2. Transfer your high interest balances from other credit cards within the first 90 days of your account opening date
  3. Enjoy six months of 0% APR* while you get ahead


Apply Now

Get on the path to lighter payments and less stress today. 

You work hard for your money.

Let us help you keep more of it. 

Apply Online Today

 

Have questions? We've got answers. Call us at 800.749.6193 or visit your nearest branch. Our advocates are here to help! 

 

Disclosure:

*APR=Annual Percentage Rate. 0% APR offer valid on eligible new OnPath MasterCard Low Rate Credit Cards and new OnPath World Elite Rewards Mastercards only. An introductory rate of 0% APR applies to purchases and balance transfers made within the first 90 days of account opening. 0% promo repayment period applies for the first 6 statement cycles, then the standard purchase APR applies. Standard purchase APR: between 11.40% and 16.00% will apply and vary based on credit card type, WSJ prime rate, and the individual's creditworthiness. Balance transfer fee: 3% of the dollar amount of transferred balances with a minimum of $10 will apply. Cash Advance fee: 4% of advanced amount, minimum of $10 applies. OnPath MasterCard Credit Cards have a variable interest rate, and interest can change without prior notice. Offer not valid on current credit card balances held with OnPath FCU. Membership eligibility applies. Rates as of January 2026. Terms and conditions subject to change without notice. Federally insured by the NCUA.