Rates

Competitive rates on loans, credit cards, and accounts.

    Savings Rates

    Share Certificates

    Share Certificates

    Term APY*
    6 Months 3.50%
    12 Months 4.25%
    18 Months 3.80%
    24 Months 3.85%
    36 Months 3.00%
    48 Months 3.00%
    60 Months 3.00%
    *Annual Percentage Yield. Fees may reduce earnings.
    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.
    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.
    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.
      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 9.50%*
        Credit Enhancement Loan 17.95%
        Debt Consolidation As low as 9.5%*

        *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*
        Platinum Signature Visa 17.50% - 17.95%
        Platinum Low Rate Visa 13.15% - 17.75%
        Platinum Secured Visa 17.95%

        *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

        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 6.49%*
        *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 8.99% 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 8.99% 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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