SMASH

Your 2026 Savings Goals with

Up to 4.30% APY*

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Promotional share certificates

Earn a higher rate with our 11, 22, and 30 month promotional share certificates.

11 Months

3.85% APY*

$1,000 minimum

22 Months

4.20% APY*

$1,000 minimum

30 Months

4.30% APY*

$1,000 minimum

Guaranteed growth with fixed rates
Your choice of 11, 22, or 30 month terms
Higher returns than other similar share certificates
Insured savings for added security
Competitive APY rates for all terms
Low $1,000 minimum balance

Our Share Certificate promotions Are Available to Atlata Residents

Residents of the Atlanta Metro can join OnPath Credit Union by donating just $5 to the OnPath Foundation, which focuses on building stronger communities through financial education, entrepreneurship, and homeownership

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Opening an Account is Easy

Step 1: Apply

Complete a quick application with your basic information—it only takes a few minutes.

Step 2: Verify

We’ll securely confirm your details to keep your account safe.

Step 3: Open

Review, sign, and fund your account so you can start banking right away.

Why Bank With OnPath Credit Union

Many online banks compete by minimizing overhead. OnPath offers the same features and low-fee account options, often with better yields, by operating as a not-for-profit credit union.

See how much more a financial institution can do when it doesn’t have to pay investors or stockholders. Join OnPath today.

Why Choose OnPath's Promotional CDs?

Three Exceptional Rates

Lock in a limited-time rate on a Promotional Share Certificate: 3.85% APY* for 11 months, 4.20% APY* for 22 months, or 4.30% APY* for 30 months. Your money earns a guaranteed fixed return for the full term. Grab yours before these offers end.

Digital Account Opening

Open your promotional CD online in minutes through our online application portal.

Federally Insured by NCUA

Your deposits are protected by NCUA insurance up to $250,000. Grow your savings with complete confidence knowing your funds are safe and secure.

Disclosures *Promotional Share Certificate Annual Percentage Yield (APY) is based on an investment as of November 1, 2026, for an 11-month term at 3.85% APY or a 30-month term at 4.30% APY, and as of October 1, 2026, for a 22-month term at 4.20% APY. A $1,000 minimum deposit is required to open the Share Certificate. Early withdrawal penalties and fees apply and may reduce earnings. At maturity, this Share Certificate will renew to the Standard Share Certificate at the closest term, not to exceed the existing term at the current rate unless specified by the primary account holder. This offer may be ended or extended at OnPath Credit Union's discretion. Other terms and conditions apply. Membership eligibility applies. Deposits are federally insured by the NCUA.