Spend it. Save it. Grow it.
Learn how to earn more with the accounts our members love the most.
Want to earn on the things you already buy? Grow a bigger balance? Lock in a guaranteed rate? These are the accounts our members trust to help them get there.
Rewards High Yield Checking
Get paid on the money you keep in your account.
OnPath Credit Union High Yield Checking pays you on the balances you don't spend. The more you save every month, the more you earn, it's just that simple.
Features & benefits
- Earn 6% APY* on average daily balances up to $10,000 and .50% on balances above $10,000
- Get up to $10 in out-of-network ATM fees refunded
- No monthly account fee
- No minimum balance
- Pay your way with Buy Now Pay Later
Qualifications
- Login to online or mobile banking one (1x) or more times per cycle
- Enroll in e-statements and receive for the statement cycle
- Have fifteen (15x) or more debit card purchases post and settle during the statement cycle
- If you don't meet the qualifications one month, you can try again the next cycle
Rewards Cash Back Checking
Earn 5% cash back* on purchases and put your money to work.
From groceries and gas, to fishing tackle and gear, turn your everyday debit card purchases into cash back in your pocket!
Features & benefits
- Earn 5% cashback* on debit card purchases
- Get up to $10 in out-of-network ATM fees refunded
- No monthly account fee
- No minimum balance
- Pay your way with Buy Now Pay Later
Qualifications
- Login to online or mobile banking one (1x) or more times per cycle
- Enroll in e-statements and receive for the statement cycle
- Have fifteen (15x) or more debit card purchases post and settle during the statement cycle
- If you don't meet the qualifications one month, you can try again the next cycle
Elite Money Market Account
A high-return savings option with easy access.
Grow large balances faster with our high-yield money market account, offering high returns with the ability to access funds when you need them.
Why choose a money market account?
- Earn 4.15% APY** on balances over $25,000
- Up to three penalty-free withdrawals per month
- High-return alternative to standard savings accounts
- Flexible access to funds when needed
- Manage funds easily through online and mobile banking
- Excess Share Insurance available
What makes it right for you?
- High returns without a long-term commitment
- Flexibility to access funds and earn interest
- Ideal for larger balances with room to grow
- Convenient access to manage funds as needed
Promotional share certificates
Earn a higher rate with our 11, 22, and 30 month promotional share certificates.
11 Months
3.85% APY***
$1,000 minimum
22 Months
4.20% APY***
$1,000 minimum
30 Months
4.30% APY***
$1,000 minimum
Why choose share certificates?
- Guaranteed growth with fixed rates
- Your choice of 11, 22, or 30 month terms
- Higher returns than other similar share certificates
- Insured savings for added security
- Competitive APY rates for all terms
- Low $1,000 minimum balance
What makes it right for you?
- Earn more on funds you don't need immediately
- Reliable savings with minimal risk
- Secure, insured growth for added peace of mind
- A limited-time rate that far exceeds industry standards
You know the why, we know the way.
Disclosures
* For all Rewards accounts, you may qualify for monthly rewards if you meet the applicable minimum qualification requirements for the monthly qualification cycle. To meet the minimum qualification requirements, you must: 1) make 15 Debit card purchases that post and settle to your account; 2) sign on to online or mobile banking at least one time; 3) be enrolled in and receive e-statements. The monthly qualification cycle is defined as one day prior to the first banking day of the current statement cycle through one day prior to the last banking day of the current statement cycle. Account transactions may take one or more business days from the date the transaction was made to post and settle to the account. All transactions must post and settle during the monthly qualification cycle in order to qualify for the account’s reward. The following transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit purchases processed by merchants and received by our credit union as ATM transactions, and purchases made with debit cards not issued by our credit union. For OnPath Rewards Cash Back accounts, you will receive 5.00% cash back on PIN-based/signature-based debit card purchases that post and settle to your account if you meet the minimum qualification requirements during the monthly qualification cycle, up to a maximum of $8.00. In addition, we will refund up to $10.00 in ATM fees assessed at nationwide ATMs we do not own or operate. ATM refunds will be paid on the last business day of the month. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle, you will not earn a cash back reward and ATM fees will not be refunded to you. Rewards Checking accounts are limited at 2 accounts per member.
The Rewards High Yield Checking account is a tiered rate account. If you meet the minimum qualification requirements for your Rewards High Yield Checking account during the monthly qualification cycle, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply to daily balances of $10,000.99 and below. The second dividend rate and annual percentage yield listed for this account will apply to daily balances of $10,001.00 or greater. Each dividend rate will apply only to that portion of the daily balance within each balance range. In addition, we will refund up to $10.00 in ATM fees assessed at nationwide ATMs we do not own or operate. ATM refunds will be paid on the last business day of the month. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Rewards High Yield account, the third dividend rate and annual percentage yield as listed in the Rate Schedule will apply to the entire balance in your High Yield account and ATM fees will not be refunded to you. account and ATM fees will not be refunded to you.
Click here to view the current Monthly Statement Qualification Cycle.
Rates may change after account is opened.
** APY = Annual Percentage Yield. The 4.15% 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.
*** Promotional Share Certificate Annual Percentage Yield (APY) is based on an investment as of November 1, 2026, for an 11-month term at 3.85% APY or a 30-month term at 4.30% APY, and as of October 1, 2026, for a 22-month term at 4.20% APY. A $1,000 minimum deposit is required to open the Share Certificate. Early withdrawal penalties and fees apply and may reduce earnings. At maturity, this Share Certificate will renew to the Standard Share Certificate at the closest term, not to exceed the existing term at the current rate unless specified by the primary account holder. This offer may be ended or extended at OnPath Credit Union's discretion. Other terms and conditions apply. Membership eligibility applies. Deposits are federally insured by the NCUA.