
Rates
Competitive rates on loans, credit cards, and accounts.
Savings Rates
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% |
Elite Money Market
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% |
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% |
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% |
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% |
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% |
*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
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* |
