Credit union · NCUA insured
OnPath Federal Credit Union Auto Loan Rates
OnPath Federal Credit Union auto loans start at 5.49% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How OnPath Federal Credit Union’s auto loan rates compare
Compared with banks and credit unions near New Orleans, LA, where OnPath Federal Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
OnPath Federal Credit Union
5.49%APR
- Terms
- —
- Up to
- 16.74% APR
- Discount
- None included
New vehicle loans
Lowest rate
Post Office Employees Credit Union
2.74%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Instep Credit Union
3.75%APR
- Terms
- up to 72 months
- Up to
- —
- Discount
- Included in the rate
OnPath Federal Credit Union auto loan score
73
Auto loan score
Higher than 34% of U.S. banks and credit unions
- New vehicleNew5.49%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OnPath Federal Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto refinance
Current loan must not be financed by OnPath CU or any of its divisions. Vehicle must meet age and mileage requirements. Membership eligibility applies.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49%–16.74% | Standard APR ranges from 5.49% to 16.74% based on credit worthiness, age of vehicle, and terms of the loan. $95 processing fee applies. Financing up to retail value available. Optional 90-day no payment promotion defers first payment for 90 days from origination date (interest accrues during deferral period). |
Sources (1)
- beonpath.org/borrow/personal/auto-loans · captured Oct 5, 2026
New vehicle loans
Must be purchasing a new vehicle from a licensed dealer. Proof of income required and minimum credit score applies. Collateral must meet credit union guidelines. Membership eligibility applies.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49%–16.74% | Rates starting at 5.49% APR; standard APR ranges from 5.49% to 16.74% based on credit worthiness, age of vehicle, and terms of the loan. Financing up to retail value available. Optional 90-day no payment promotion defers first payment for 90 days from loan origination date (interest accrues during deferral period). |
Sources (1)
- beonpath.org/borrow/personal/auto-loans · captured Oct 5, 2026
Used vehicle loans
For pre-owned vehicle purchases (dealership and private purchases). Proof of income and credit review required. Vehicle must meet age and mileage requirements. Must provide vehicle title or bill of sale. Collateral must meet credit union guidelines. Membership eligibility applies.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.49%–16.74% | Standard APR ranges from 5.49% to 16.74% based on credit worthiness, age of vehicle, and terms of the loan. Financing up to retail value available. Optional 90-day no payment promotion defers first payment for 90 days from origination date (interest accrues during deferral period). |
Sources (1)
- beonpath.org/borrow/personal/auto-loans · captured Oct 5, 2026
Who can join OnPath Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.