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    Regular savings account

    Regular savings account

    A simple, accessible account for everyday savings.

    Start building your savings with a flexible account that has no minimum balance, easy access to funds, and optional overdraft protection.

    Why choose a regular savings account?

    • No minimum balance required

    • Access your funds easily as needed

    • Overdraft protection available for added security

    • Great for starting an emergency fund

    • Manageable, simple account structure

    What makes it right for you?

    • Convenient access to funds for everyday expenses

    • No need to worry about maintaining a balance

    • Added protection with optional overdraft services

    • Peace of mind with a basic, no-frills savings option

    Elite money market

    Elite Money market account

    A high-return savings option with easy access.

    Grow large balances faster with our high-yield money market account, offering high returns with the ability to access funds when you need them.

    Why choose a money market account?

    • Earn 5.25% APY* on balances over $25,000
    • Up to three penalty-free withdrawals per month
    • High-return alternative to standard savings accounts
    • Flexible access to funds when needed
    • Manage funds easily through online and mobile banking
    • Excess Share Insurance available

    What makes it right for you?

    • High returns without a long-term commitment
    • Flexibility to access funds and earn interest
    • Ideal for larger balances with room to grow
    • Convenient access to manage funds as needed
    Christmas club account

    Christmas club account

    Save throughout the year for a debt-free holiday.

    Plan ahead for holiday expenses with a Christmas club account, helping you save gradually and access your funds when you’re ready to shop.

    Why choose a Christmas club account?

    • Dedicated savings for holiday spending
    • No fees for account setup or maintenance
    • Make deposits at any time
    • Access your funds right before the holiday season**
    • Save at your own pace with flexible deposits

    What makes it right for you?

    • Start the holiday season with savings already in place
    • Avoid the stress of holiday debt
    • Save consistently without impacting your main accounts
    • Be financially prepared for gifts and celebrations
    Non-interest bearing account

    Non-interest bearing account

    Flexible savings without the influence of market rates.

    Save with flexibility and access funds anytime, without the fluctuations of an interest-bearing account.

    Why choose a non-interest bearing account?

    • Quick and easy access to funds
    • No market risk or interest fluctuations
    • Flexible terms to meet your needs
    • No penalties or fees for withdrawals
    • Simple setup and management

    What makes it right for you?

    • Ideal for accessible savings without interest
    • Reliable and stable option with no market impact
    • Freedom to access funds at any time
    • Low-risk, straightforward savings option
    Share certificates

    Share certificates

    Lock in your savings for a higher return.

    Secure your savings with a guaranteed rate of return. With terms from 6 to 60 months, share certificates provide stable growth over time.

    Why choose share certificates?

    • Guaranteed growth with fixed rates
    • Flexible terms from 6 to 60 months
    • Higher returns than regular savings
    • Insured savings for added security
    • Competitive APY rates for all terms

    What makes it right for you?

    • Earn more on funds you don’t need immediately
    • Reliable savings with minimal risk
    • Choose terms that align with your goals
    • Secure, insured growth for added peace of mind
    Disclosures

    *APY = Annual Percentage Yield. The 5.25% APY on an Elite Money Market Savings Account applies only to new money with balances of $25,000 or more. Dividends are paid monthly. Rates may change without prior notice, and other terms and conditions may apply. Deposits are federally insured by the NCUA. Additional insurance coverage up to $750,000 is available for qualifying accounts through OnPath FCU's private insurance via Excess Share Insurance Corporation. For more information, visit BeOnPath.org or Louisianafcu.org. Rates may change after account is opened.

    **Earns dividends quarterly. Dividends are calculated on the actual dollar amount in the account and are not paid for any day that the account balance falls below $200. Funds are available in savings account beginning November 1st. Early withdrawal penalties apply. 

    More reasons to save with us

    We make saving simple, secure, and rewarding—just the way it should be.

    Competitive rates

    Earn more with higher interest on your savings.

    Quick access

    Need your money? It’s easy to access when you need it.

    Flexible terms

    Choose an account that matches your goals and timeline.

    Secure savings

    Your money is insured and secure with us.

    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.

    From any page on the OnPath CU website, click LOGIN in the upper, left corner of the page. From there, select SIGN-UP. Follow the prompts to enroll in Online Banking. You will need your OnPath CU member number (Member ID) and Social Security Number.

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