- Spend & Save
- Savings
Save smarter, reach your goals faster
Start saving with confidence. High rates, low risk, no headaches.
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?
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No minimum balance required
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Access your funds easily as needed
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Overdraft protection available for added security
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Great for starting an emergency fund
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Manageable, simple account structure
What makes it right for you?
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Convenient access to funds for everyday expenses
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No need to worry about maintaining a balance
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Added protection with optional overdraft services
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Peace of mind with a basic, no-frills savings option
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
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
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
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.
Why members love saving with us
“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.
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.