OnPath Credit Union
Rates
The path to financial wellness is yours for the taking. We'll help out with a few great rates.
Competitive Rates on Loans, Credit Cards, and Accounts
When you win, we win
Because Credit Unions are not-for-profit financial institutions, we take our profits and give them back to our members in the form of lower interest rates on loans and higher yields on savings, checking and investment products. This is what you can call a win-win.
Loan Rates
Credit Cards
| Loan Type | Beginning APR* |
|---|---|
| Platinum Signature Visa | 12.25% - 17.95% |
| Platinum Rewards Visa | 11.25% - 17.95% |
| Platinum Low Rate Visa | 6.70% - 12.50% |
| Platinum Student Visa | 11.25% - 17.95% |
| Platinum Secured Visa | 4.25% |
| Promotional Rate Balance Transfer** | 5.99% |
*APR = Annual Percentage Rate. Rates are subject to change without prior notice and may be different than stated above. Rates may vary depending on the information obtained from your credit application and credit report. Variable Rate Visa based on WSJ Prime.
**APR=Annual Percentage Rate. 5.99% APR offer valid on eligible new and existing OnPath FCU Visa credit cards. 5.99% APR on purchases for the first six months eligible on new OnPath FCU Visa credit cards only. Following promotional period, the standard APR is between 6.70% and 17.95% and will vary based on the credit card type, WSJ prime rate, and the individual’s credit worthiness. Offer not valid on secured credit cards or current card balances held with OnPath FCU. Membership eligibility applies. Terms and conditions subject to change without notice. Visit BeOnPath.org, or call 504.733.7274 for details. Federally insured by the NCUA.
***Rewards, Cash Back and Signature Travel Perks only valid on select OnPath FCU Visa Cards.
Mortgages
| Product | Loan to Value | Beginning Rate |
|---|---|---|
| Land | 70% | |
| Home Equity Line of Credit | Up to 100% | |
| Construction Loan | 80% | |
| Conventional Mortgage | Up to 95% | |
| Jumbo Mortgage | ||
| Fixed Rate Second Mortgage | Up to 100% |
Automobiles
| Loan Type | Rate |
|---|---|
| New Auto Loans | As low as 3.24% APR* |
| Used Auto Loans | As low as 3.49% APR* |
| Promotional Auto Loan** | As low as 1.99% APR** |
*APR = Annual Percentage Rate. ($20,000 minimum for 72 months) No other discounts apply. Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
** Promotional Auto Loan APR: APR = Annual Percentage Rate. Introductory rate as low as 1.99% APR reflects 36-month term, includes all discounts, and is based on applicant meeting certain credit criteria. Estimated payment is $29.00 per month, per $1,000 based on rate of 1.99% APR. Other terms and conditions may apply. For more details, contact 504.733.7274 or 800.749.6193. Limited time offer. Insured by the NCUA.
Motorcycles, ATVs & Jet Skis
| Loan Type | Rate |
|---|---|
| New and Used Vehicles | As low as 5.88% APR* |
*APR = Annual Percentage Rate. ($20,000 minimum for 72 months) No other discounts apply. Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
Boats & RVs
| Loan Type | Rate |
|---|---|
| New and Used Boats and RVs | As low as 5.48% APR* |
*APR = Annual Percentage Rate. ($20,000 minimum for 72 months) No other discounts apply. Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
General Secured
| Loan Type | Rate |
|---|---|
| New and Used | As low as 7.99% |
Personal Loans
| Product | Term | APR* |
|---|---|---|
| Signature Loans | 24 Months | 8.99% |
| 36 Months | 9.99% | |
| 60 Months | 11.99% | |
| Debt Consolidation | 12 Months | 6.99%*** |
| Stretch Loan LOC | 12.00% | |
| Credit Enhancement Loan | 17.95% | |
| Borrow and Save | 17.95% | |
| Wheels to Work | 17.95% |
* APR = Annual Percentage Rate. "As low as rate" is subject to borrower's credit history, repayment term and collateral. Rates are subject to change without prior notice and may be different than stated above.
** Promotional Personal Loan Rates: APR= Annual Percentage Rate. Promotional rate as low as 6.25% reflects 24-month term, includes all discounts, and is based on applicant meeting certain credit criteria. All rates subject to change without prior notification. Rates may be as high as 17.95% depending on information obtained from your credit application and credit report. Estimated payment is $4.44 per month, per $100 based on rate of 6.25% for 24 month term. Other terms and conditions may apply. Limited time offer. Federally insured by the NCUA. Call 504.733.7274 or 800.749.6193 for details.
***APR= Annual Percentage Rate. Offer valid from 02.09.2021 through 04.09.2021 for a Debt Consolidation Personal Loan. An introductory rate of 6.99% APR is applicable for 12 months. Following the promotional period, the standard APR is between 8.75% and 12.24% and will vary based on credit score, final term, and loan amount accepted. An estimated payment schedule could be as follows: A $25,000 Debt Consolidation Personal Loan is approved for 10.64% at 60 months, would be financed for the first 12 months at 6.99% APR with a monthly payment of $119.81, including a $60 processing fee. After the introductory period is over the payments would be at an APR of 10.24%, which would yield a monthly payment of $139.38. This example is for illustrative purposes only. The examples and rates are not a guarantee, agreement, or commitment to loan funds or extend credit. Approved loan amount dependent on verification of gross monthly income. The minimum loan amount is $5,000.00. Debts must be six months or older and show on your credit score to qualify. Credit Scores below 690 may be subject to controlled disbursement. Offer not valid on current loan or credit card balances held with OnPath FCU. Normal lending guidelines apply. Membership eligibility applies. Terms and conditions subject to change based on market conditions and borrower eligibility. Visit BeOnPath.org or call 504.733.7274 for details. Federally insured by the NCUA.
Savings & Checking Rates
Savings & Club Accounts
| Product | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Savings ($0.00 -$200) | $5.00 | 0.00% | 0.00% |
| Savings ($201 -$1,000) | $5.00 | 0.25% | 0.25% |
| Savings ($1,001- $5,000) | $5.00 | 0.30% | 0.30% |
| Savings ($5,001 - $10,000) | $5.00 | 0.35% | 0.35% |
| Savings ($10,001 - $50,000) | $5.00 | 0.40% | 0.40% |
| Savings ($50,000+) | $5.00 | 0.60% | 0.60% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Checking Accounts
| Product | Dividend Rate | APY* |
|---|---|---|
| Wise Choice Checking (Up to $999) | 0.00% | 0.00% |
| Wise Choice Checking (1,000+) | 0.25% | 0.25% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Money Master Accounts
| Money Master | Dividend Rate | APY* |
|---|---|---|
| $1,000 - $4,999 | 0.10% | 0.10% |
| $5,000 - $9,999 | 0.15% | 0.15% |
| $10,000 - $24,999 | 0.25% | 0.25% |
| $25,000 - $49,999 | 0.30% | 0.30% |
| $50,000 - $74,999 | 0.35% | 0.35% |
| $75,000 - $99,999 | 0.40% | 0.40% |
| Over $100,000 | 0.45% | 0.45% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Health Savings Accounts
| Health Savings Accounts | Dividend Rate | APY* |
|---|---|---|
| $1,000 to $5,000 | 0.15% | 0.15% |
| Up to $10,000 | 0.20% | 0.20% |
| Up to $20,000 | 0.25% | 0.25% |
| Up to $50,000 | 0.30% | 0.30% |
| Up to $75,000 | 0.50% | 0.50% |
| Up to $100,000 | 0.55% | 0.55% |
| Over $100,000 | 1.00% | 1.00% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Share Certificate Rates
Share Certificate & IRA Rates
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 0.40 | 0.40% |
| 12 Months | 0.60% | 0.60% |
| 24 Months | 0.80% | 0.80% |
| 36 Months | 1.00% | 1.00% |
| 48 Months | 1.10% | 1.10% |
| 60 Months | 1.20% | 1.20% |
*APY= Annual Percentage Yield. $1,000 minimum deposit, early withdrawal subject to penalty, rates subject to change.