Empower your everyday spending

Enjoy competitive rates, flexible rewards, and the convenience you need to manage your personal finances with ease.

    Low Rate Mastercard

    Low Rate Mastercard®

    Save more with every swipe.

    Simplify your finances with low rates designed to save you more on every purchase.

    Benefits

    • Accessible for many credit scores: Great for those with average to excellent credit.
    • Save on everyday spending: Take advantage of low rates for all your purchases.
    • Enhanced security features: Stay protected with purchase alerts and free fraud monitoring.
    • No unnecessary fees: Enjoy no annual or balance transfer fees, plus a 25-day grace period on purchases.

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    Secured Mastercard

    Secured Mastercard®

    Build credit with confidence.

    Build or rebuild your credit with a secure and reliable card that works for you.

    Benefits

    • Build or rebuild credit with ease: A great option for establishing or improving your credit score.
    • Secure and flexible spending: Use your savings as collateral while enjoying the convenience of a credit card.
    • Affordable and accessible: Benefit from low fees and competitive rates tailored for your needs.
    • Safety and security included: Enjoy fraud protection and tools to monitor and manage your spending.

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    0% Intro Offer

     The journey to lower rates begins with a 0% APR* for 6 months on purchases and balance transfers made in the first 90 days of account opening. After that, a competitive 12.65% -17.25% variable APR applies. Way lower than big banks! And unlike them, we never charge an annual fee for our OnPath Low Rate Mastercard®

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    Disclosures

    *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.

    You know the why,
    we know the way.

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