The OnPath Federal Credit Union is a personal credit card from OnPath Federal Credit Union. The annual fee is we never charge an annual fee for our OnPath Low Rate Mastercard ®. The ongoing APR is After that, a competitive 11.65% -16.25% variable APR* applies. after a 0% APR* for 6 months on purchases and balance transfers made in the first 90 days of account opening. introductory rate.