Rates

Competitive rates on loans, credit cards, and accounts.

    Savings Rates

    General Share / Savings Accounts

    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%
    *Annual Percentage Yield. Fees may reduce earnings. Rate may change after account is opened.
    Elite Money Market

    Elite Money Market

    Effective 6/1/2025
    Amount Dividend Rate APY*
    0 - $2,499.99 0.10% 0.10%
    $2,500 - $24,999.99 0.15% 0.15%
    $25,000+ 4.31% 4.40%
    *Annual Percentage Yield. The 4.40% 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. Rates may change after account is opened.
    High-Yield Money Market

    High-Yield Money Market

    Effective Date: 11/5/24
    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%
    *Annual Percentage Yield. Fees may reduce earnings. Dividends are paid monthly. Rate may change after account is opened.
    Share Certificates

    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%
    *Annual Percentage Yield. Fees may reduce earnings.
    Christmas Club Account

    Christmas Club Account

    Effective Date: 11/5/24
    Amount Dividend Rate APY*
    $0.00 - $2,499.99 0.10% 0.10%
    $2,500.00 or greater 0.15% 0.15%
    *Annual Percentage Yield. Fees may reduce earnings. Rate may change after account is opened.
      IRA & Roth IRA Passbook

      IRA & Roth IRA Passbook

      Amount Dividend Rate APY*
      All balances $0.00 or greater 0.50% 0.50%
        Personal Loans

        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

        Credit Cards

        Loan Type Beginning APR*
        Low Rate Mastercard 12.65%-17.25%
        Secured Mastercard 6.99%

        *APR=Annual Percentage Rate. 0% APR offer valid on eligible new OnPath MasterCard Low Rate Credit Cards only. Introductory rate of 0% APR applies to purchases and balance transfers made during the first 90 days upon account opening. 0% promo repayment period applies for the first 6 statement cycles, then the standard purchase APR applies. Standard purchase APR: between 12.65% and 17.25% 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 July 2025. Terms and conditions subject to change without notice. Federally insured by the NCUA.

        Mortgages

        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

        Automobiles

        Loan Type APR*
        New and Used As low as 5.74%*
        *APR = Annual Percentage Rate. As low as rate subject to change and based on individual credit worthiness. No other discounts apply. Up to 96-month term allowed with ancillary products, payment protection, GAP and/or warranty. $95 loan processing fee applies. $20,000 minimum for 72 months, $25,000 minimum for 84 months, and $50,000 minimum for 96 months.
        Motorcycles, ATVs & Jet Skis

        Motorcycles, ATVs & Jet Skis

        Loan Type APR*
        New and Used Vehicles As low as 9.38% APR*
        *APR = Annual Percentage Rate. ($20,000 minimum for 120 months) Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
        Boats & RVs

        Boats & RVs

        Loan Type APR*
        New and Used Boats and RVs As low as 9.98% APR*
        *APR = Annual Percentage Rate. ($20,000 minimum for 120 months) Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.

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