- Borrow
- Consumer Loans
Get the loan you need, for what you want
Our personal loans come with low rates, no fees, and flexible terms. Whether it's debt consolidation or an emergency, we've got you covered.
Signature loans
Flexible personal loans for anything life throws your way.
Our personal loans give you the chance to borrow up to $35,000 with no hidden fees and low rates—perfect for home improvements, vacations, or unexpected expenses.
How this loan helps you
- Borrow up to $35,000
- No fees or prepayment penalties
- Low, fixed interest rates
- Fast funding—get approved quickly
What you’ll need to qualify
- Proof of income required
- Credit check and financial review
- Must be a member of OnPath
- Minimum loan amount: $1,000
Line of credit
Borrow only what you need, when you need it
Whether it’s a surprise bill or planned project, our line of credit gives you financial flexibility. With low rates and flexible terms, accessing funds is as easy as it gets.
How this loan helps you
- Revolving access to funds when needed
- Only pay interest on the funds you use
- Flexible repayment terms
- Perfect for managing cash flow or unexpected expenses
What you’ll need to qualify
- Proof of income required
- Good credit history preferred
- Must be a member of OnPath Credit Union
- Credit review may be necessary
Credit enhancement loan
A step up for your credit health
Rebuild your credit with manageable terms and a structured plan. Our credit enhancement loan is an effective, supportive way to help you reach a stronger financial standing.
How this loan helps you
- Affordable monthly payments to fit your budget
- Builds positive credit history
- Great for credit-building or re-establishing credit
- Low, fixed interest rate
What you’ll need to qualify
- Proof of income required
- Member of OnPath Credit Union
- Willingness to make consistent, timely payments
- Financial counseling available for guidance
What sets our personal loans apart?
Lending solutions designed to simplify life and support your financial goals.
Low rates, no hidden fees
Get competitive interest rates without hidden fees or penalties.
Fast approval
Get approved quickly, so you don’t have to wait for the funds you need.
Flexible terms
Choose loan terms that fit your budget and financial situation
Member-focused
We put our members first, offering personal service and support.
Why members love our personal loans
“Within 10 minutes of completing an auto loan application, a loan specialist called and told me I was approved.”
“I am a down-home guy from the River Region and I wanted to do business with someone with that same perspective. I found that with the Credit Union.”
“Banking with the Credit Union feels personal. It’s a small bank feel, even though they aren’t that small. They offer so many beneficial services and workshops to their members.”
"Our loan experience with the Credit Union exceeded the already high expectation we had. Whenever we had a question about anything, they always had the answer. It was such a relief to know we were in great hands and would HIGHLY recommend them to anyone for the first-time homebuyer program, or any loan for that matter!"
…
"Great service. I got a home equity loan to do some remodeling without leaving my recliner."
"This was my first 'solo' home buying experience, and I could not have fathomed being connected to a better lender. Nothing about the process felt transactional; they weren't just interested in 'closing the loan,' they were concerned about my overall financial wellbeing. The Framework Homebuyers class was literally a masterclass in …
"After two loans and a new car, the Credit Union has always been helpful, caring and considerate. None of this would be possible without you."
"We chose the Credit Union to finance our new truck because of their historically great rates and excellent customer service. We were able to take advantage of several discount perks to get a great interest rate!"
"Being a business partner with the Credit Union has some major perks not only for employees, but for our business as well. All Evonik employees get great benefits and rewards just for being a member, with no fees or anything."
"The Credit Union has taught us at Gateway Ford how to save for our future."
"The Credit Union helped me make my dream of opening a Sweet Rolls become a reality. Other banks looked at me like ‘How are you going to do this? You don't know what you're doing.’ They didn't have any faith in me. They viewed me as an entrepreneur and helped me every step of the way."
"The credit union saves me time. My time is important. It’s the best thing I can give to my family."
"I feel safe with the Credit Union. When there was an unauthorized charge on my account, they texted me, called me, locked my account and launched a full investigation. My definition of protecting and serving! They are ??."
"I feel secure banking at the Credit Union."
"My dog Athena needed emergency surgery, but I didn't have the money to pay for it. The Credit Union approved me for a loan and the cash was in my account the same day. Without their help, I don't know what would've happened to her."
"Any need I have, the Credit Union takes care of it. Their customer service is number one."
"I've been with the Credit Union for three years. I won't bank with anyone else."
"The Credit Union is always reliable. They help get me what I need and treat me like family."
"I love my credit union. They are personable. They know me."
"For years, the Credit Union has been my choice for a variety of banking needs."
"I legit thought I was lost without a answer to getting my home repaired after hurricane Ida. Until crossed paths with Ashley Broyard and Onpath Credit Union. They were the Hail Mary pass I took and they came through for me with flying colors. I would be so lost without their help. Ashley Broyard is the best. Kind. Caring. …
"Holly Apple-Kratzberg is so knowledgeable and a great mortgage lender. We’ve received lending for a variety of loan types (e.g. refinancing, construction, etc.) over several years. I always shop around rates, and Holly always has the best rates. Her customer service skills are excellent. She always communicates with us in a timely …
"The mortgage team at OnPath cannot be topped. My loan officer, Hollie, made the process so smooth and simple and as painless as can be. Even my real estate agent commented to me about how easy it was to work with OnPath. If you're looking for the best place to get a mortgage, OnPath is the place."
Frequently asked questions
The OnPath CU routing number is 265075087. This number is most often requested as part of direct deposit or auto draft set ups, and typically precedes your member number.
Many different check styles are available. To browse and save time when ordering, visit https://reorder.libertysite.com/default.aspx to select your favorite style and view pricing options.
Online:
If you have a Liberty reorder form that contains your reorder ID and start number, and you do not have any changes to your personal information, please visit https://reorder.libertysite.com/default.aspx to order checks online. You will need to use OnPath CU Routing and Transit Number along with your account number. These numbers are from the bottom row of numbers on your checks.
If you have changes to your personal information, please make all updates at your local OnPath CU branch, or by logging into your account via our Online Banking system
By Phone:
To reorder your checks by phone through Liberty Harland Clark call 877.585.8777.