OnPath Credit Union
Rates
Competitive Rates on Loans, Credit Cards, and Accounts
Now that's banking with direction!
Earn 5.25% APY with a 6-Month Share Certificate!*
Fill out the form below to get started!
*APY=Annual Percentage Yield. Terms & conditions apply. See below for full details.
Share Certificate Rates
| Term | APY* |
|---|---|
| 3 Months | 2.00% |
6 Months | 5.25% |
12 Months | 5.00% |
| 18 Months | 4.10% |
| 24 Months | 4.15% |
| 36 Months | 4.20% |
| 48 Months | 4.25% |
| 60 Months | 4.30% |
72 Months | 4.35% |
*APY=Annual Percentage Yield. Offer valid for a limited time only and subject to change without notice. $1,000 minimum deposit required. Early withdrawal penalties may apply. Rate and term apply. OnPath Federal Credit Union does not provide tax advice; your tax advisor can recommend whether this account may be of benefit to you. Member will have 10 days from the maturity date to modify term, change deposit amount, or withdraw without penalty. Other terms and conditions may apply. All retirement accounts are insured up to $250,000 by the National Credit Union Share Insurance Fund. For more information, contact 504-733-7274 or visit BeOnPath.org. Federally Insured by the NCUA.
IMPORTANT NOTE – Early withdrawal penalty of 3% of the current balance. Example - a balance of $100,000 will be charged $3,000 or a balance of $5,000 will be charged $150.
All deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund. For more information, contact 504-733-7274 or visit BeOnPath.org. Federally Insured by the NCUA.
.
Wealth Builder Savings
| Amount | Dividend Rate | APY* |
|---|---|---|
| $1,000 - $99,999 | 1.00% | 1.00% |
| $100,000 - $249,999 | 1.24% | 1.25% |
| $250,000 - $499,999 | 1.49% | 1.50% |
| $500,000 + | 1.98% | 2.00% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
All deposits are insured up to $250,000 by the National Credit Union Share Insurance Fund. For more information, contact 504-733-7274 or visit BeOnPath.org. Federally Insured by the NCUA.
Loan Rates
Credit Cards
| Loan Type | Beginning APR* |
|---|---|
| Platinum Signature Visa | 17.50% - 17.95% |
| Platinum Rewards and Student Visa | 16.50% - 17.95% |
| Platinum Low Rate Visa | 13.15% - 17.75% |
| Platinum Secured Visa | 17.95% |
*APR=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. 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.
**Rewards, Cash Back, and Signature Travel Perks are only valid on select OnPath FCU Visa Cards.
Mortgages
| Product | Loan to Value | Beginning Rate |
|---|---|---|
| Land | 70% | |
| Home Equity Line of Credit | Up to 100% | |
| Construction Loan | 80% | |
| Conventional Mortgage | Up to 95% | |
| Jumbo Mortgage | ||
| Fixed Rate Second Mortgage | Up to 100% |
Automobiles
| Loan Type | Rate |
|---|---|
| New and Used | As low as 6.64%* |
*APR = Annual Percentage Rate. No other discounts apply. Up to 96-month term allowed with ancillary products, payment protection, GAP and/or warranty. $95 loan processing fee applies. Loan terms based on individual credit worthiness. Rates subject to change. $20,000 minimum for 72 months, $25,000 minimum for 84 months, and $50,000 minimum for 96 months.
Motorcycles, ATVs & Jet Skis
| Loan Type | Rate |
|---|---|
| New and Used Vehicles | As low as 9.38% APR* |
*APR = Annual Percentage Rate. ($20,000 minimum for 72 months) No other discounts apply. Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
Boats & RVs
| Loan Type | Rate |
|---|---|
| New and Used Boats and RVs | As low as 9.98% APR* |
*APR = Annual Percentage Rate. ($20,000 minimum for 72 months) No other discounts apply. Up to 84 month term allowed with ancillary products, payment protection, GAP and/or warranty.
General Secured
| Loan Type | Rate |
|---|---|
| New and Used | As low as 11.99% |
Personal Loans
| Product | Term | APR* |
|---|---|---|
| Signature Loans | 24 Months | 12.95% |
| 36 Months | 13.50% | |
| 60 Months | 15.00% | |
| Stretch Loan LOC | 12.00% | |
| Credit Enhancement Loan | 17.95% | |
| Borrow and Save | 17.95% | |
| Debt Consolidation | As Low As | 13.00% |
| Wheels to Work | 17.95% | |
| Emergency Loan | As Low As | 10% |
* APR = 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% 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.
Savings & Checking Rates
Savings & Club Accounts
| Product | Minimum Balance | Dividend Rate | APY* |
|---|---|---|---|
| Savings ($0.00 -$200) | $5.00 | 0.00% | 0.00% |
| Savings ($201 -$1,000) | $5.00 | 0.01% | 0.01% |
| Savings ($1,001- $5,000) | $5.00 | 0.05% | 0.05% |
| Savings ($5,001 - $10,000) | $5.00 | 0.10% | 0.10% |
| Savings ($10,001 - $50,000) | $5.00 | 0.15% | 0.15% |
| Savings ($50,000+) | $5.00 | 0.20% | 0.20% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Money Master Accounts
| Money Master | Dividend Rate | APY* |
|---|---|---|
| $1,000 - $4,999 | 0.10% | 0.10% |
| $5,000 - $9,999 | 0.15% | 0.15% |
| $10,000 - $24,999 | 0.25% | 0.25% |
| $25,000 - $49,999 | 0.30% | 0.30% |
| $50,000 - $74,999 | 0.35% | 0.35% |
| $75,000 - $99,999 | 0.40% | 0.40% |
| Over $100,000 | 0.45% | 0.45% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Health Savings Accounts
| Health Savings Accounts | Dividend Rate | APY* |
|---|---|---|
| $1,000 to $5,000 | 0.15% | 0.15% |
| Up to $10,000 | 0.20% | 0.20% |
| Up to $20,000 | 0.25% | 0.25% |
| Up to $50,000 | 0.30% | 0.30% |
| Up to $75,000 | 0.50% | 0.50% |
| Up to $100,000 | 0.55% | 0.55% |
| Over $100,000 | 1.00% | 1.00% |
*APY= Annual Percentage Yield. Fees may reduce earnings.