OnPath Credit Union
Rates
The path to financial wellness is yours for the taking. We'll help out with a few great rates.
When you win, we win
Because Credit Unions are not-for-profit financial institutions, we take our profits and give them back to our members in the form of lower interest rates on loans and higher yields on savings, checking and investment products. This is what you can call a win-win.
Loan Rates
Credit Cards
| Loan Type | Beginning APR* |
|---|---|
| Platinum Signature Visa | 14.00% - 17.95% |
| Platinum Rewards Visa | 13.00% - 17.95% |
| Platinum Low Rate Visa | 8.45% - 14.50% |
| Platinum Student Visa | 13.00% - 17.95% |
| Platinum Secured Visa | 6.00% |
*APR = Annual Percentage Rate. 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. Variable Rate Visa based on WSJ Prime.
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 Auto Loans | As low as 3.99% APR* |
| Used Auto Loans | As low as 4.24% APR* |
| Promotional Auto Loan** | As low as 1.99% APR** |
| Promotional Auto Loan** | As low as 1.99% 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.
** Promotional Auto Loan APR: APR = Annual Percentage Rate. Introductory rate as low as 1.99% APR reflects 24-month term, includes all discounts, and is based on applicant meeting certain credit criteria. Estimated payment is $42.54 per month, per $1,000 based on rate of 1.99% APR. Other terms and conditions may apply. For more details, contact 504.733.7274 or 800.749.6193. Limited time offer. Insured by the NCUA.
Motorcycles, ATVs & Jet Skis
| Loan Type | Rate |
|---|---|
| New and Used Vehicles | As low as 6.13% 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 5.73% 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 5.67% |
Personal Loans
| Product | Term | APR* |
|---|---|---|
| Signature Loans | 24 Months | 9.16% |
| 36 Months | 11.16% | |
| 60 Months | 14.16% | |
| Promotional Personal Loans** | 24 Months | 7.99%** |
| Stretch Loan LOC | 12.00% | |
| Credit Enhancement Loan | 17.95% | |
| Borrow and Save | 17.95% | |
| Wheels to Work | 17.95% |
* APR = Annual Percentage Rate. "As low as rate" is subject to borrower's credit history, repayment term and collateral. Rates are subject to change without prior notice and may be different than stated above.
** Promotional Personal Loan Rates: APR= Annual Percentage Rate. Promotional rate as low as 7.99% reflects 24-month term, includes all discounts, and is based on applicant meeting certain credit criteria. All rates subject to change without prior notification. Rates may be as high as 17.95% depending on information obtained from your credit application and credit report. Estimated payment is $4.52 per month, per $100 based on rate of 7.99% for 24 month term. Other terms and conditions may apply. Limited time offer. 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 | 0.25% | 0.25% |
| Savings ($1,001- $5,000) | $5.00 | 0.30% | 0.30% |
| Savings ($5,001 - $10,000) | $5.00 | 0.35% | 0.35% |
| Savings ($10,001 - $50,000) | $5.00 | 0.40% | 0.40% |
| Savings ($50,000+) | $5.00 | 0.60% | 0.60% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Checking Accounts
| Product | Dividend Rate | APY* |
|---|---|---|
| Wise Choice Checking (Up to $999) | 0.00% | 0.00% |
| Wise Choice Checking (1,000+) | 0.25% | 0.25% |
*APY= Annual Percentage Yield. Fees may reduce earnings.
Money Master Accounts
| Money Master | Dividend Rate | APY* |
|---|---|---|
| $1,000 - $4,999 | 0.40% | 0.40% |
| $5,000 - $9,999 | 0.45% | 0.45% |
| $10,000 - $24,999 | 0.50% | 0.50% |
| $25,000 - $49,999 | 0.55% | 0.55% |
| $50,000 - $74,999 | 0.75% | 0.75% |
| $75,000 - $99,999 | 0.80% | 0.80% |
| Over $100,000 | 1.25% | 1.25% |
*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.
Share Certificate Rates
Share Certificate & IRA Rates
| Term | Dividend Rate | APY* |
|---|---|---|
| 6 Months | 0.50% | 0.50% |
| 12 Months | 1.00% | 1.00% |
| 24 Months | 1.30% | 1.30% |
| 36 Months | 1.75% | 1.75% |
| 48 Months | 2.25% | 2.25% |
| 60 Months | 2.50% | 2.50% |
| Promotional CD Rate 36 Months** | 2.00%** | 2.00%** |
*APY= Annual Percentage Yield. $1,000 minimum deposit, early withdrawal subject to penalty, rates subject to change.
** Promotional CD Rate (36 Month CD for a limited time): Annual Percentage Yield (APY) is based on an investment as of 09/30/19. Interest compounds monthly. Withdrawal of interest may reduce earnings. Penalty for early withdrawal applies. Limited time offer. New Money only. Other Certificate terms and rates are available. Fees could reduce earnings on the account. Minimum of $1,000 is required to open this CD. Must be eligible for membership in order to open this CD. Visit our member benefits page for details on eligibility. Your contributions may be tax deductible. Consult your tax advisor. Member NCUA. Equal housing lender.