Business Products
Pathways Financial Credit Union offers comprehensive business services, including checking, savings, flexible lending, merchant processing, and business credit cards, to support your organization's growth and community impact.
Business Checking Accounts
Easily manage your day-to-day finances with our convenient and accessible checking accounts! Account management is simplified with low monthly maintenance fees (and sometimes no fees!), easy online and mobile banking options, and more. You can also make convenient purchases with a free MasterCard debit card or use it to access over 55,000 surcharge-free ATMs across the country.
Checking Account Benefits
Account-to-Account Transfer
Account-to-account transfer to another financial institution available for just $10/month.
Online & Mobile Banking
You'll get free access to e-statements, e-alerts, and mobile/online banking to help you keep track.
Inexpensive Transactions
Get 50-400 free transactions every month, and additional transactions are only $0.25 each.
Low Opening Balance
Get started easily with low minimum deposits ranging from $25-$50.Business Savings Accounts
Grow your business reserves with a Pathways Business Savings Account. Enjoy competitive dividend rates that help your funds work harder. Whether you’re setting aside money for future investments, unexpected expenses, or long-term goals, you’ll have secure, convenient access whenever you need it. Manage and monitor your savings effortlessly through our online and mobile banking tools to keep your business on track for success.Business Savings Account Benefits
Competitive Interest Rates
Your money grows faster, which helps you reach your financial goals sooner.
Low Opening Deposit
Start saving right away! You only need a $5 initial deposit to open an account.
Federally Insured
Deposits are insured for up to $250,000 by the National Credit Union Administration (NCUA).
Establishes Membership
Open a Business Savings account to establish your membership and enjoy access to dozens of Pathways Products.
Business Credit Cards
Our business credit cards have several helpful organizational features, including corporate accounts and individual sub-accounts with individually specifiable credit limits.Business Credit Card Benefits
Get Rewarded
CURewards offers travel and shopping rewards..
Low Rates
Lower rates means a larger portion of your payments will be allocated to principal reduction.
Multiple Users Per Account
You can add team members to the account, and each member can be assigned a unique credit limit.
No-Fee Credit Card
Save money with no monthly or annual fees.Business Loans
Whether you are looking for help with day-to-day expenses or you are looking to make a major capital investment, we have the business loan product for you.
Business Loan Benefits
Competitive Rates
As a not-for-profit organization, we offer lower rates than other lenders, helping you save money.
Flexible Terms
Work with our team to find a loan term that works best for you and your business.
Flexible Use of Funds
Benefit from quick loan decisions and tailored service provided by local representatives.
Fast Loan Decisions
Benefit from quick loan decisions and tailored service provided by local representatives.Commercial Real Estate Loans
Expand your business with flexible commercial real estate financing from Pathways. Whether you’re purchasing your first commercial property, refinancing an existing space, or investing in new development, our experienced lending team is here to help you every step of the way. We offer competitive rates, personalized service, and loan options designed to fit your business goals, so you can focus on what matters most.Commercial Real Estate Loan Benefits
Potential Tax Benefits
Consult your tax professional to determine if leasing offers tax advantages.
Flexible Terms
We work with you based on your unique business needs to find the right loan terms.
Local Business Partner
Our dedicated team will partner with you to equip your business with essential tools for success.
Fast Loan Decisions
With local decision-making and a streamlined approval process, we deliver fast responses so you can act quickly on business opportunities.Business Investments
Grow and protect your business assets with Pathways’ investment solutions. From building a reserve fund to planning for long-term expansion, our business investment options are designed to help you maximize returns while maintaining flexibility and security. Partner with us to make informed decisions that support your business goals and ensure financial stability for the future.-
Business Investments
Business Money Market
$ 2500Minimum opening deposit
- No-risk account – not tied to the stock market
- Offer a competitive rate of return, but with more flexibility in accessing funds than a Share Certificate
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Business Investments
Business Share Certificates
3.45 %APYAs High As
- Offer the best possible rates at Pathways
- Funds are secured for a set amount of time
- A guaranteed way for you to maximize your business savings
Business Investment Benefits
Competitive Dividend Rates
Earn consistent, reliable returns on your balances, independent of the stock market.
Federally Insured
Your money is federally insured through the NCUA for up to $250,000, and privately through ESI for an additional $250,000.
Online and Mobile Access
Easily manage your investments wherever you go with online and mobile banking.
Flexible Terms
Select a term from 6 to 60 months to fit your financial schedule.Merchant Services & More
Pathways offers a full suite of business digital banking and payment solutions to help you stay efficient, secure, and in control of your finances. Whether you’re processing payments, managing payroll, or monitoring cash flow, we have the tools and partners to support your success.Merchant Card Processing Benefits
Dedicated Support & Reporting
Pathways provides each business customer a dedicated account manager and online reporting for sales monitoring, trend insights, and account management.
Industry Specific Solutions
Pathways offers customized payment solutions designed for various sectors, including hospitality, healthcare, professional services, retail, and restaurants.
Robust Data Security
Pathways offers multi-layered security to protect customer payment data from hackers, counterfeit transactions, and breaches, simplifying PCI compliance.
Customized Payment Terms
Pathways offers diverse payment solutions, including in-person, online, and mobile options like smart terminals, EMV readers, tablet POS, and e-commerce, plus Apple/Android Pay support.Membership Resources & Benefits
Debt Management Services
Take control of your finances with Pathways & Trinity Debt Management. Access budgeting guidance, money tips, debt repayment tools, and educational resources to avoid bankruptcy, foreclosure, and more. Learn More
Financial Education Resources
Banzai is an interactive platform teaching real-world financial skills. It offers budgeting guidance, financial calculators, and scenario-based lessons to help individuals confidently manage their finances. Learn More
Automated Investing
Pathways EasyVest simplifies wealth growth. Our automated tool builds and optimizes investments, guiding new investors toward long-term financial security. Learn More
Cooperative Business Services
Cooperative Business Services provides financial institutions with a complete commercial lending solution, including software, expert services, and business development. We also offer tailored business loans to support borrower growth.
Learn More★★★★★
“From my initial inquiry to final signing, everyone was very responsive and very professional. Refinancing my vehicle could not have been easier. Pathways is great!”
- Sara W.
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