OnPath Credit Union
Rates
Competitive Rates on Loans, Credit Cards, and Accounts
Now that's banking with direction!
Savings Rates
Share Certificate Rates
| Term | APY* |
|---|---|
6 Months | 4.25% |
12 Months | 4.50% |
| 18 Months | 4.10% |
| 24 Months | 4.00% |
| 36 Months | 3.50% |
| 48 Months | 3.50% |
| 60 Months | 3.50% |
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% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Christmas Club Account
Effective Date: Wednesday, November 20, 2024
| AMOUNT | DIVIDEND | APY* |
|---|---|---|
| $0.00 - $2,499.99 | 0.10% | 0.10% |
| $2,500.00 or greater | 0.15% | 0.15% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
High-Yield Money Market
Effective Date: Wednesday, November 20, 2024
| AMOUNT | DIVIDEND | APY* |
|---|---|---|
| 0 - $999.99 | 0.00% | 0.00% |
| $1000 - $9999.99 | 0.20% | 0.20% |
| $10,000 - $49,999.99 | 0.30% | 0.30% |
| $50,000+ | 0.40% | 0.40% |
*APY= Annual Percentage Yield. Fees may reduce earnings. Dividends are paid monthly.
Investments
IRA & Roth IRA Passbook
| AMOUNT | DIVIDEND* | APY* |
|---|---|---|
| All balances $0.00 or greater | 0.50% | 0.50% |
Loan Rates
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%* |
* 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.
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% |
*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. 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.
General Secured
| TYPE | APY* |
|---|---|
| New and Used | As Low As 8.99% |
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 6.49%* |
*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
| Loan Type | Rate |
|---|---|
| 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
| Loan Type | Rate |
|---|---|
| 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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