All Disclosures

APR = Annual Percentage Rate. Rates subject to change at any time and without notice. Auto Loan/Motorcycle/Boat/RV Loans: Your interest rate and repayment terms will be based on your individual credit history and underwriting criteria and may be different from rates quoted above. Loan rates quoted on relevant product pages are based on a sample amount and term as specified. Your specific interest rate and repayment terms will vary based on individual credit history, vehicle age, mileage, and loan term selected. State and county recording charges based on where the vehicle is titled will apply. Note that refinances of existing Pathways’ loans are subject to a $250 loan refinance fee. Other exclusions apply, please contact an associate for details. 

Personal Loans/Debt Consolidation Loans/Share Secured Loans: Are subject to application and credit approval. APR above is based on $5,000 amount financed, a credit score generated by Pathways for the purpose of this loan of 740 and a $35 loan processing fee. To obtain additional information, contact our Member Services department at 614-416-7588. 

Credit Cards/ MyFlexline of Credit: Rate is based on a credit score generated by Pathways for the purpose of this loan of 740 or greater. Your rate may be different based on your score

APY = Annual Percentage Yield. APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Fees may reduce earnings. Rates on variable rate accounts (i.e. Share Savings, Checking, Money Market) could change after account opening. In addition, all rates listed are subject to change without notice. Accounts insured up to $500,000 through a combination of federal insurance provided by the National Credit Union Administration (NCUA) for $250,000 and private insurance provided by Excess Share Insurance (ESI) for an additional $250,000. 

Certificate Rates: The rate and annual percentage yield is fixed for the term of the share certificate. We will impose a penalty if you withdraw any of the principal funds before the maturity date. For terms to maturity less than 36 months, the penalty imposed will be an amount equal to 180 days’ dividends, and for terms equal to or greater than 36 months, the penalty imposed will be an amount equal to 365 days’ dividends. Fees or other conditions may reduce your earnings. In order to earn the stated APY, you must allow your earnings to be added to your certificate balance. Withdrawal of your monthly earnings will not allow you to earn the stated APY. All rates listed are subject to change without notice. Accounts insured up to $500,000 through a combination of federal insurance provided by the National Credit Union Administration (NCUA) for $250,000 and private insurance provided by Excess Share Insurance (ESI) for an additional $250,000.

All information presented on this page is for educational purposes only and doesn’t constitute tax, legal or accounting advice. It is to be considered as general information, not recommendations. Please consult with an attorney or tax professional for guidance.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Pathways Retirement and Investment Servicves and Pathways Financial Credit Union (Pathways) are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Everwise Investment Services, and may also be employees of Pathways Financial. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Pathways Financial Credit Union or Pathways Retirement and Investment Services. Securities and insurance offered through LPL or its affiliates are:

Your credit union ("Pathways Financial Credit Union") provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay Pathways Financial Credit Union for these referrals. This creates an incentive for Pathways Financial Credit Union to make these referrals, resulting in a conflict of interest. Pathways Financial Credit Union is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

APR = Annual Percentage Rate. Rate is subject to application and credit approval. Specific rate is subject to application, approval, and acceptable property appraisal and title search; loan-to-value ratio; credit history. The APR is variable and can change quarterly but will never be higher than 18.00%. Lowest rate available is for well qualified borrowers who are approved for a new credit line amount of $25,000 or higher; a loan-to-value ratio of 80% or less; assumes property is owner occupied.

Rates reported are based on Prime plus or minus a margin. The margin is based on your home’s loan-to-value ratio, credit history, and the amount of the credit line. “Prime” means Bank Prime Loan Rate published by the Board of Governors of the Federal Reserve System in its Statistical Release H.15(519) entitled “Selected Interest Rates.” Use of the word “Prime” does not mean the rate is the best or lowest rate offered by any lender.

Hazard Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a Special Flood Hazard Area.

There is a Draw Period for 10 years after the account is opened during which advances and purchases may be made, and during which reductions to principal are not required (unless credit limit has been exceeded), followed by a 10-year Repayment Period during which the minimum monthly payments amortize the outstanding balance on the line at the end of the Draw Period.

APR = Annual Percentage Rate. Rate is subject to application and credit approval. APRs listed on relevant product pages on the site are based off of sample amounts and terms for general information. Individualized rates will be based on your specific conditions and will be calculated with a registered and licensed Pathways associate. Specific rate is subject to acceptable property appraisal and title search; loan-to-value ratio; 740 or higher credit score. Property must be owner occupied. Hazard Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a Special Flood Hazard Area.

APR = Annual Percentage Rate. Rate is subject to application and credit approval. APR on relevant product pages is based on a sample loan amount and term. Specific individualized rates are subjet to review by a registered and licensed Pathways associate. Rates are subject to acceptable property appraisal and title search; loan-to-value ratio; 740 or higher credit score. Property must be owner occupied. Hazard Insurance must be carried on the real property securing the account, and flood insurance is required on buildings located in a Special Flood Hazard Area.

APR = Annual Percentage Rate. Rates are subject to change at any time and without notice. Transaction must be to facilitate the purchase or refinance of a personal use automobile only. Quoted rates used as examples throughout the site on relevant product pages are based on sample loan of a fixed amount and term, a credit score  and $175 loan processing fee or $250 loan refinance fee depending on type of auto loan.. Your interest rate and repayment terms will vary based on individual credit history, vehicle age, mileage, and loan term selected, and may be different than quoted above. State and county recording charges based on where the vehicle is titled will apply. Please consult with a Pathways associate for additional details. 

APR = Annual Percentage Rate. Rate is subject to application and credit approval. APR listed on relevant product pages and offers is based on a fixed sample amount, including a $35 loan fee. Rates available subject to meeting certain underwriting criteria. Your rate may be different depending on credit history.

*APY = Annual Percentage Yield. Cash Back rewards are deposited into Owner Rewards Savings Accounts. Owner Rewards Savings Account balances $5,000 and under will earn 10.00% APY compounded and credited quarterly; balances exceeding $5,000 will earn regular Secondary Savings APY. Consult the Credit Union’s Account Disclosure Rate Supplement with a Pathways associate for current APY. Deposits will not be made in the instance of a negative checking account balance. The only deposits permitted into Owner Rewards Savings Accounts are loan interest rebates, Pathways cash back credit card points redeemed for cash, round-up deposits from debit card transactions, and applicable credit union match funds from select campaigns. Share and checking accounts are federally insured for up to $250,000 by the National Credit Union Administration (NCUA). Share and checking accounts are privately insured for an additional $250,000 by Excess Share Insurance. Rates are subject to change without notice.

APR = Annual Percentage Rate. Please note that there is a 3.00% balance transfer fee on all balances. Your 0.00% APR for 12-months starts when your new Mastercard is opened and is in effect for the next 12 payment cycles. See disclosure documentation at the bottom of this page for further information.