OnPath Federal Credit Union

Overview / Commentary
5508 Citrus Blvd
Harahan, LA 70123

OnPath Federal Credit Union is headquartered in Metairie and is the 9th largest credit union in the state of Louisiana. It is also the 641st largest credit union in the nation. It was established in 1961 and as of June of 2023, it had grown to 141 employees and 53,161 members at 11 locations. OnPath Federal Credit Union's savings rates are 10X the national average, and it has a B health rating.

Field of Membership Restrictions

OnPath Federal Credit Union is open to anyone who lives, works, worships, or attends school in the Greater New Orleans area, Lafourche Parish or Orleans Parish, or the communities of Avondale, Bridge City, Gretna, Harvey, Marrero, South Kenner, St. Tammany, Waggaman, or Westwego. Employees/members of more than 600 SEGs also qualify for membership. Immediate family members of those eligible to join are also eligible to join.
See current membership details

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High Yield Rewards Checking - 9/29/2023

7% APY on up to $10k. $6.95 monthly fee waived with $500 average daily balance. 15 debit card purchases required. Membership open with $5 donation to OnPath Foundation.

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Reviews (1)

Poor Credit Union Service

OnPath has become the laughingstock of credit unions. I went on vacation, and I informed them of my whereabouts prior to leaving and my card still did not work, come to find out they did not put my credit card on travel status, which is recommended by us as members. That was not the first time either. Hats off!!!! A COMPLETE JOKE!!!! Online banking is a joke as well. Most employees there are rude, especially the ones associated with the loan department and loan personnel in the branches. One in particular at the SLIDELL BRANCH, where a family member was being helped there, she reminded her as a CURMUDGEON and has no personal skills when speaking and talked to her like if she was a child. She almost lost it. She was encouraged to buy the Life/disability, GAP, and Warranty with her vehicle loan. When she went to use it, she had to pay for most of the repairs to be done because the warranty at Route 66 would not cover it all. She paid $2200.00 for protection, and it is worthless. Telephone Service personnel, I hear, have the most complaints of all. Imagine that other than the branches, they are the front line at ONPATH!!!!

When it was ASI FCU, it was friendlier, and the people were more approachable. The reason is, there was no incentive program in place, it was just a family-oriented atmosphere, no hassle experience. Now it seems like they are a vehicle hungry/Credit Card push’in/loan junky CHOP SHOP!!! They raised my friend’s credit limit and told her it would improve her credit score, and it did, but what they really wanted to do was make her spend more money and get her deeper in debt. The illusion worked ONPATH, GREAT JOB!!!!

What kind of system is that????? Now she has more debt and can barely make her payments. ONPATH only wants your loans so they can become a billion-dollar credit union here soon and not care one bit about the members anymore, which tells me, THEY DON'T GIVE 2 CRAPS ABOUT YOU, JUST YOUR MONEY especially when it comes to new money accounts. The upper chain of command receives heavy incentives if all this transpires, so it is pushed down among the ranks for their benefits. They just don't care anymore and that is sad. I have read numerous online reviews, and the members know what they are talking about, but ONPATH does not listen, and concerns go unnoticed. They lost their mojo when it became a BANK!!! They are paying incentives to their employees to make them money hungry, which tells you that member service went out the window. Even the employees are cut throating each other for business. I witnessed it with my own eyes, when 2 employees were arguing in front of us for business, while waiting to be seen. SAD AND PATHETIC!!!!!

Credit Unions are for the working-class people, not to be operated like a BIG BANK!!!! Oh, and get this, I overheard if you DO NOT make your goal, you are written up. If you want to hear what's going on at OnPath, just wait in line in the branch. So, tell me, is that going to help the average person looking for a financial institution to put their money in???? I will never promote this sorry credit union to anyone. Find one that will work for you.


Health Grade Components

NCUA #14692
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD-2%
Return on Equity - YTD-31.18%
Annual Interest Income$14.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$620.3MM$557.7MM
LoansQ2 2023vs Q2 2022$492.0MM$427.6MM
DepositsQ2 2023vs Q2 2022$474.3MM$474.3MM
Equity CapitalQ2 2023vs Q2 2022$39.9MM$43.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$2.1MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$2.5MM$900.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not OnPath Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OnPath Federal Credit Union Savings Account Rates

5.00%$25k-Wealth Builder Savings 6 Month
2.00%*$500k*-Wealth Builder Savings
OTHER TIERS: 1.00% $1k - $100k | 1.25% $100k - $250k | 1.50% $250k - $500k
1.00%*$100k*-Health Savings Account
OTHER TIERS: 0.15% $1k - $5k | 0.20% $5k - $10k | 0.25% $10k - $20k | 0.30% $20k - $50k | 0.50% $50k - $75k | 0.55% $75k - $100k
0.20%*$50k*-Regular Savings
OTHER TIERS: 0.01% $201 - $1k | 0.05% $1k - $5k | 0.10% $5k - $10k | 0.15% $10k - $50k

OnPath Federal Credit Union Money Market Rates

0.45%*$100k*-Money Master Account
OTHER TIERS: 0.10% $1k - $5k | 0.15% $5k - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k | 0.35% $50k - $75k | 0.40% $75k - $100k

OnPath Federal Credit Union CD Rates

5.00%$1k-9 Month CD Promotion- New Money
4.35%$1k-72 Month Share Certificate
4.30%$1k-60 Month Share Certificate
4.25%$1k-48 Month Share Certificate
4.20%$1k-36 Month Share Certificate
4.15%$1k-24 Month Share Certificate
4.10%$1k-12 Month Share Certificate
4.10%$1k-18 Month Share Certificate
3.30%$1k-6 Month Share Certificate
2.00%$1k-3 Month Share Certificate

OnPath Federal Credit Union IRA Rates

5.00%$1k-9 Month IRA Promotion
4.35%$1k-72 Month IRA
4.30%$1k-60 Month IRA
4.25%$1k-48 Month IRA
4.20%$1k-36 Month IRA
4.15%$1k-24 Month IRA
4.10%$1k-12 Month IRA
4.10%$1k-18 Month IRA
3.30%$1k-6 Month IRA
2.00%$1k-3 Month IRA


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