Rates
Competitive rates on loans, credit cards, and accounts.
Savings Rates
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% |
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% |
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% |
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% |
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 9.50%* |
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
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
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 6.49%* |
Motorcycles, ATVs & Jet Skis
Loan Type | APR* |
---|---|
New and Used Vehicles | As low as 8.99% APR* |
Boats & RVs
Loan Type | APR* |
---|---|
New and Used Boats and RVs | As low as 8.99% APR* |