Onpath Fcu
“Can a Louisiana community credit union modernize its digital banking stack and expand embedded finance offerings—BNPL, mortgage, digital banking—to deepen member engagement without sacrificing cooperative identity?”
HQLouisiana, United States
IndustryBank / Community
The story
OnPath Federal Credit Union is a member-owned Louisiana-based credit union focused on being a financial advocate for its communities. The credit union has invested in digital banking infrastructure, partnering with NCR and Black Knight to modernize its platform. In 2026, it expanded embedded finance offerings by launching a BNPL product via equipifi, extending flexible payment options to members through their existing digital banking experience without requiring new accounts.
Product timeline
2022
Signed long-term agreement with Black Knight for the Empower loan origination system to support retail and home equity lending channels.· lending
2022
Tapped NCR to enhance digital banking capabilities for consumers and businesses.· banking
2026
Launched Buy Now, Pay Later solution in partnership with equipifi, integrated within mobile and online banking platforms.· lending
Regulated entities
Federal Credit Union Charter
US (NCUA)
OnPath Federal Credit Union
The stack
Lending
Buy Now, Pay Later (Plan Your Purchase)Buy Now, Pay Later (Split Your Payments)Signature personal loansLine of creditHome equity loansFirst mortgageBusiness loans
Open banking
Accounting gap: minor