OnPath Credit Union

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

Credit Cards

Loan TypeBeginning APR*
Platinum Signature Visa12.25% - 17.95%
Platinum Rewards Visa11.25% - 17.95%
Platinum Low Rate Visa6.70% - 12.50%
Platinum Student Visa11.25% - 17.95%
Platinum Secured Visa4.25%
Promotional Rate Balance Transfer**4.99%

*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. Balance Transfer Offer valid from 6.15.20 to 12.31.20 on eligible new and existing OnPath Visa credit cards. 4.99% APR on balance transfers applicable to life of balance transferred to OnPath FCU. 4.99% APR on all purchases valid from 6.15.20 to 12.31.20. 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.Rewards, Cash Back and Signature Travel Perks only valid on select OnPath FCU Visa Cards.Terms and conditions subject to change without notice. Visit BeOnPath.org, or call 504.733.7274 for details. Federally insured by the NCUA.  

 

Mortgages

Mortgages

ProductLoan to ValueBeginning Rate
Land70%

Contact Mortgage Department

Home Equity Line of CreditUp to 100%

Contact Mortgage Department

Construction Loan80%

Contact Mortgage Department

Conventional MortgageUp to 95%

Contact Mortgage Department

Jumbo Mortgage

Contact Mortgage Department

Contact Mortgage Department

Fixed Rate Second MortgageUp to 100%

Contact Mortgage Department

Automobiles

Automobiles

Loan TypeRate
New Auto LoansAs low as 3.24% APR*
Used Auto LoansAs 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

Motorcycles, ATVs & Jet Skis

Loan TypeRate
New and Used VehiclesAs low as 6.13% 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

Boats & RVs

Loan TypeRate
New and Used Boats and RVsAs low as 5.73% 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

General Secured

Loan TypeRate
New and UsedAs low as 7.99%

Personal Loans

Personal Loans

ProductTermAPR*
Signature Loans24 Months8.99%
36 Months9.99%
60 Months11.99%
Promotional Personal Loans**24 Months 6.25%**
Stretch Loan LOC12.00%
Credit Enhancement Loan17.95%
Borrow and Save17.95%
Wheels to Work17.95%

* 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.

Savings & Checking Rates

Savings & Club Accounts

Savings & Club Accounts

ProductMinimum BalanceDividend RateAPY*
Savings ($0.00 -$200)$5.000.00%0.00%
Savings ($201 -$1,000)$5.000.25%0.25%
Savings ($1,001- $5,000)$5.000.30%0.30%
Savings ($5,001 - $10,000)$5.000.35%0.35%
Savings ($10,001 - $50,000)$5.000.40%0.40%
Savings ($50,000+)$5.000.60%0.60%

*APY= Annual Percentage Yield. Fees may reduce earnings.

Checking Accounts

Checking Accounts

Product Dividend RateAPY*
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 Accounts

Money MasterDividend RateAPY*
$1,000 - $4,9990.10%0.10%
$5,000 - $9,9990.15%0.15%
$10,000 - $24,9990.25%0.25%
$25,000 - $49,9990.30%0.30%
$50,000 - $74,9990.35%0.35%
$75,000 - $99,9990.40%0.40%
Over $100,0000.45%0.45%

*APY= Annual Percentage Yield. Fees may reduce earnings.

Health Savings Accounts

Health Savings Accounts

Health Savings AccountsDividend RateAPY*
$1,000 to $5,0000.15%0.15%
Up to $10,0000.20%0.20%
Up to $20,0000.25%0.25%
Up to $50,0000.30%0.30%
Up to $75,0000.50%0.50%
Up to $100,0000.55%0.55%
Over $100,0001.00%1.00%

*APY= Annual Percentage Yield. Fees may reduce earnings.

Share Certificate Rates

Share Certificate & IRA Rates

Share Certificate & IRA Rates

TermDividend RateAPY*
6 Months0.400.40%
12 Months0.60%0.60%
24 Months0.80%0.80%
36 Months1.00%1.00%
48 Months1.10%1.10%
60 Months1.20%1.20%

*APY= Annual Percentage Yield. $1,000 minimum deposit, early withdrawal subject to penalty, rates subject to change.