Rates
Competitive rates on loans, credit cards, and accounts.
Savings Rates
Share Certificates
| Term | APY* |
|---|---|
| 6 Months | 3.25% |
| 12 Months | 3.75% |
| 18 Months | 3.55% |
| 24 Months | 3.50% |
| 36 Months | 2.75% |
| 48 Months | 2.75% |
| 60 Months | 2.75% |
General Share / Savings Accounts
| Amount | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| ($0.00 - $2,499.99) | $5.00 | 0.10% | 0.10% |
| ($2,500.00 or greater) | $5.00 | 0.15% | 0.15% |
Christmas Club Account
| Amount | Dividend Rate | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.10% | 0.10% |
| $2,500.00 or greater | 0.15% | 0.15% |
High-Yield Money Market
| Amount | Dividend Rate | APY* |
|---|---|---|
| 0 - $999.99 | 0.00% | 0.00% |
| $1,000 - $9,999.99 | 0.20% | 0.20% |
| $10,000 - $49,999.99 | 0.30% | 0.30% |
| $50,000+ | 0.40% | 0.40% |
IRA & Roth IRA Passbook
| Amount | Dividend Rate | APY* |
|---|---|---|
| All balances $0.00 or greater | 0.50% | 0.50% |
Personal Loans
| Product | Term | APR* |
|---|---|---|
| Signature Loans | Up to 72 months* | As low as 9.25%* |
| Debt Consolidation | As low as 9.25%* | |
| Tuition Loan | As low as 7.99%* |
*Annual Percentage Rate. "As low as rate" is subject to the borrower's credit history, repayment term, and collateral. Rates are subject to change without prior notice and may be different than stated above. Rates may be as high as 18% APR depending on the information obtained from your credit application and credit report.
Federally insured by the NCUA. Call 504.733.7274 or 800.749.6193 for details.
Credit Cards
| Loan Type | Beginning APR* |
|---|---|
| Low Rate Mastercard | 12.65%-17.25% |
| Secured Mastercard | 6.99% |
*Annual Percentage Rate. NEW VISA cardholders are eligible to receive 4.99% APR on all balance transfers and purchases for six (6) months from account opening on all purchases done within the 1st 60 days. Balance transfer eligible on Low-Rate and Signature cards only. Once the transferred balance is paid and/or at the end of the six (6)-month purchase/promotion period, APR will revert to a variable rate between 13.15% and 17.95% based on creditworthiness and WSJ Prime rate. Offer not valid on secured credit cards, student credit cards, or current card balances held with OnPath FCU. Membership eligibility applies. Terms and conditions are subject to change without notice. Visit BeOnPath.org, or call 504.733.7274 for details. Federally insured by the NCUA.
**Signature Travel Perks are only valid on select OnPath FCU Visa Cards.
Mortgages
| Product | Loan to Value | Beginning Rate |
|---|---|---|
| Land | 70% | Contact mortgage department |
| Home Equity Line of Credit | Up to 100% | Contact mortgage department |
| Construction Loan | 80% | Contact mortgage department |
| Conventional Mortgage | Up to 95% | Contact mortgage department |
| Jumbo Mortgage | Contact mortgage department | Contact mortgage department |
| Fixed Rate Second Mortgage | Up to 100% | Contact mortgage department |
OnPath Credit Union is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act.
Automobiles
| Loan Type | APR* |
|---|---|
| New and Used | As low as 5.74%* |
Motorcycles, ATVs & Jet Skis
| Loan Type | APR* |
|---|---|
| New and Used Vehicles | As low as 9.38% APR* |
Boats & RVs
| Loan Type | APR* |
|---|---|
| New and Used Boats and RVs | As low as 9.98% APR* |
