Personal Products
Discover a better way to bank! As a Pathways member, you're part of a family and all of our banking products are designed to help you get the most value for the lowest cost. Apply for membership today to enjoy exclusive benefits and personalized service that’s dedicated to your success.
Explore Our Most Popular Products
Take advantage of banking solutions that help you save money and simplify your finances. Whether you are looking for a no-fee checking account for your everyday transactions, a savings account with a competitive interest rate, a vehicle loan with flexible terms, or something else, we can help you achieve your goals. At Pathways Financial Credit Union, our members are our top priority, and our dedicated team is ready to assist with all of your banking needs!
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Personal Investments
Share Certificates
3.45 %APYAs High As
- A competitive fixed rate for the duration of the certificate term
- A diverse range of term options, including 6, 12, 24, 36, 48 or 60 months
- Open an account with a minimum deposit of just $500.
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Checking
Swipe2Save Checking
10 %APY Owner Rewards Purchase Round-Up
- Round Up Your Purchase & Deposit the Difference
- Earn 10% APY when you also open an Owner Rewards Savings Account
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Checking
Basic Checking
$ 0Fees & Service Charges
- Unlimited transactions
- Dividends paid on average daily balances of $250 or more
- Overdraft Privilege Protection
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Credit Cards
MasterCard Cash Back Rewards
16.49 %APRAs Low As
- 1.5% CASH BACK for each dollar spent
- 0% balance transfer
- NO Annual Fee
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Vehicle Loans
New & Used Vehicle Loan
5.24 %APRAs Low As
- Fast and local decision-making
- Financing terms up to 85-months
- 100% financing available
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Mortgages
Fixed-Rate Mortgage
30 YrsMaximum Term
- Terms up to 30-years available
- Low down payments
- Predictable monthly payments
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Home Equity
Home Equity Loan
Max 90 %Of Your Home's Appraised Value
- Maximum term of 15 years
- Finance up to 90% of your home’s appraised value
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Checking
Youth Swipe2Save Checking
$ 0Fees & Service Charges
- Youth Debit Card
- Pay Allowance
- Track Spending
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Savings
Regular Share Savings
0.05 %APYAs High As
- Establish your membership with the credit union
- Save for your immediate financial future
- Offers flexibility in accessing funds
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Savings
Vacation Club
0.05 %APYAs High As
- Set aside money for specifically for your vacation
- Transfer your Vacation Club funds to your Share Account any time or withdraw at any of our surcharge-free ATM machines
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Savings
Holiday Club
0.05 %APYAs High As
- Set aside money for specifically for the holidays
- On October 1, the balance of your Holiday Club Account is automatically transferred into your Regular Share Account
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Savings
Health Savings Account (HSA)
1.00 %APYAs High As
- Easy application process
- Transferable in the event of job change
- Covers most medical, dental, and prescription costs
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Credit Cards
Low Rate Credit Card
11.49 %APRAs Low As
- Our lowest rate credit card option
- Flexible spending power
- NO annual fee
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Vehicle Loans
Vehicle Loan Refinance
5.24 %APRAs Low As
- Fast and convenient ways to apply online, in person, or over the phone in less than 15 minutes
- You could save hundreds
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Personal Loans
Lifestyle Personal Loan
10.44 %APRAs Low As
- Quick and convenient financing with trusted financial partners.
- Your loan is local, meaning your money stays right here in our central Ohio communities.
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Personal Loans
Personal Secured Loans
8.95 %APRAs Low As
- Quick and convenient financing with trusted financial partners.
- Your loan is local, meaning your money stays right here in our central Ohio communities.
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Personal Loans
MyFlexLine
13.19 %APRAs Low As
- Quick and convenient financing with trusted financial partners.
- Your loan is local, meaning your money stays right here in our central Ohio communities.
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Student Loans
Student Loans
$ 1000Minimum Loan
- Competitive interest rates
- Multiple repayment options
- No origination fees; no prepayment penalty
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Home Equity
Power Equity Line of Credit
$ 100kMaximum Line
- Rates some of the best in the market
- NO annual fee or closing costs
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Mortgages
Adjustable-Rate Mortgage (ARM)
- Low, competitive interest rates
- Start with a fixed interest rate for a set period of time, then adjusting when interest rates change over the life of the loan
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Mortgages
The Game Changer Mortgage
$ 299Closing Costs
- 10-year to 15-year term options available
- Lower your interest rate and potentially your monthly payment!
- Reduce the amount of time owed on your mortgage
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Mortgages
FHA and VA Loans
$ 0Down Payment
- Low or no down payment options with flexible credit requirements.
- For qualifying veterans or buyers who qualify for FHA loans.
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Personal Investments
Money Market Account
$ 2500Minimum Deposit
- Write checks directly from your Money Market account
- An alternative to riskier money market accounts that are tied to the stock market
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Personal Investments
Individual Retirement Account (IRA)
59 1/2Minimum Age for Withdrawals
- Earn tax-deferred, compound dividend on your money
- Direct Deposit options available to help you start saving right away
- Continue tax-deferred deposits as late as age 70½
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Portfolio Investments
myHSA Investments
30 +Mutual Fund Choices
- Maximize your tax savings
- Earn more on your unused dollars
- Save for health care in retirement
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Portfolio Investments
Pathways Retirement and Investment Services
$ 0Cost Obligation
- Offered through LPL Financial
- Membership is not a requirement
- Identify financial milestones & get recommended tactics to help you pursue those goals
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Portfolio Investments
EasyVest - Automated Online Investments
$ 50Minimum Investment
- Invest directly from Mobile Banking
- Start with as little as $50
- Enjoy automated optimization
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Savings
Owner Rewards
10.00 %APYAs High As
- Earn 10.00% APY on select savings deposited into the account.
- Grow your savings with a Swipe2Save account or a MasterCard Credit Card.
Checking Accounts
Easily manage your day-to-day finances with our convenient and accessible checking accounts! Account management is simplified with no monthly fees, easy online and mobile banking options, and overdraft protection. 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
Swipe2Save Checking
APY Owner Rewards Purchase Round-Up
- Round Up Your Purchase & Deposit the Difference
- Earn 10% APY when you also open an Owner Rewards Savings Account
Checking
Basic Checking
Fees & Service Charges
- Unlimited transactions
- Dividends paid on average daily balances of $250 or more
- Overdraft Protection
Checking
Love My Crew Checking
Off Merch at the Crew Shop
- Grow your savings with everyday purchases
- Show your pride in your wallet
Checking
Youth Swipe2Save Checking Accounts
APY1 Owner Rewards Round-Up
- Empower Financial Independence
- User-friendly tools help kids learn to track their spending
- Parents can easily transfer money from their own Swipe2Save accounts
Checking Account Benefits
Access 30,000+ ATMs Nationwide
Access cash anytime from our nationwide network of 30,000+ surcharge-free CO-OP ATMs.
Online & Mobile Banking
Conveniently manage your account online or with your mobile device anywhere, anytime.
Overdraft Protection
Activate overdraft protection to ensure your transactions always go through and to safeguard against returned checks.
No Monthly Maintenance Fees
Keep more of your hard-earned money instead of worrying about fees slowly draining your account.
Savings Accounts
Save for the future with our no-fee savings accounts! Our competitive interest rates allow you to grow your money faster than other savings options, and you have convenient access to your funds when you need them. Easily track your savings progress with our online and mobile banking to help you reach your goals.
Savings
Regular Share Savings
As High As
- Establish your membership with the credit union
- Save for your immediate financial future
- Offers flexibility in accessing funds
Savings
Holiday Club
As High As
- Set aside money for specifically for the holidays
- On October 1, the balance of your Holiday Club Account is automatically transferred into your Regular Share Account
Savings
Vacation Club
As High As
- Set aside money for specifically for your vacation
- Transfer your Vacation Club funds to your Share Account any time or withdraw at any of our surcharge-free ATM machines
Savings
Health Savings
As High As
- Earn a competitive rate of interest on all funds in your Health Savings Account
- Save money pre-tax on high-deductible healthcare plans
- Most medical, dental, and prescription costs are considered qualified expenses
Savings Account Benefits
Competitive Interest Rates
Your money grows faster, which helps you reach your financial goals sooner.
Low Minimum Balance Requirement
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).
Flexible Access
Easily access your funds in a variety of ways. There are no fees for deposits or withdrawals.
Credit Cards
Get a credit card that gives you the purchasing power you need for less money! With no annual fees and competitive interest rates, you can save on the cost of borrowing while enjoying the flexibility of paying over time.
Credit Cards
MasterCard Cash Back Rewards
As Low As
- 1.5% CASH BACK for each dollar spent
- 0% balance transfer
- NO Annual Fee
Credit Cards
Low Rate Credit Card
As Low As
- Our lowest rate credit card option
- Flexible spending power
- NO annual fee
Credit Card Benefits
No Annual Fees
There is no annual fee or minimum finance charges, which simplifies account management.
Low Rates
More of your payments go towards reducing the principal of your balance.
Credit Card Controls
Set up alerts to keep you informed of activity on your card. You can even “lock” your card from use if it’s lost or stolen!
High Credit Limits
Credit lines are available from $500 to $25,000. Your credit limit will be determined during the application process.
Vehicle Loans
Get a great deal on your next vehicle! Receive a fast loan decision and finance up to 100% of the vehicle purchase price with flexible terms of up to 85 months. Take a break after purchasing your vehicle and enjoy up to 90 days before your first payment is due.
Vehicle Loans
New & Used Vehicle Loan
As Low As
- Fast and local decision-making
- Financing terms up to 85-months
- 100% financing available
Vehicle Loans
Vehicle Loan Refinance
As Low As
- Fast and convenient ways to apply online, in person, or over the phone in less than 15 minutes
- You could save hundreds
Vehicle Loans
Motorcycle, Boat and RV Loans
As Low As
- No payments for up to 90 days
- Convenient financing terms
- No early-payment penalties
Vehicle Loan Benefits
Up to 100% Financing
Get behind the wheel faster! There’s no need to wait to save for a down payment.
Flexible Terms
Terms of up to 85 months are available. We’ll work with you to get a term that fits your budget.
No Payments for Up To 90 Days
Take some time to enjoy your new vehicle before the first payment is due.
No Prepayment Penalties
Make extra payments to pay off your loan faster and save on interest.
TrueCar - Car Buying Service
TrueCar takes the stress out of buying a vehicle! Obtain transparent pricing and narrow down your vehicle options online to save time and avoid the pressures of dealerships. TrueCar users save an average of $1,824 off MSRP!
Personal Loans
Quickly get the funds you need for various expenses! Whether you’re consolidating debt, financing a major purchase, covering medical expenses, or something else, our short application process makes borrowing easy. Conveniently apply online for a fast loan decision.
Personal Loans
Lifestyle Personal Loan
As Low As
- Quick and convenient financing with trusted financial partners.
- Your loan is local, meaning your money stays right here in our central Ohio communities.
Personal Loans
Personal Secured Loans
As Low As
- Quick and convenient financing with trusted financial partners.
- Use your savings or other assets as collateral, allowing you to borrow what you need at a competitive rate.
Personal Loans
MyFlexLine
As Low As
- Quick and convenient financing with trusted financial partners.
- Your loan is local, meaning your money stays right here in our central Ohio communities.
Personal Loan Benefits
Competitive Rates
As a nonprofit organization, our rates are lower than other lenders to help you save.
Flexible Terms
Get a term that fits your budget with our personal loans — or make interest-only payments during the draw period with our line of credit.
Easy Application Process
Conveniently apply online or in person at a branch. It only takes a few minutes to fill out our short application.
Fast Loan Decisions
Take advantage of a fast loan decision and personalized service from local representatives.
Mortgages
Need something fixed for the long-term? Or maybe you’re looking for short-term flexibility? Perhaps you want lower interest rates and to pay your home off faster? At Pathways, we offer mortgage solutions to help you purchase your dream home and achieve your financial goals.
Mortgages
Fixed-Rate Mortgage
Maximum Term
- Terms up to 30-years available
- Low down payments
- Predictable monthly payments
Mortgages
Adjustable-Rate Mortgage (ARM)
- Low, competitive interest rates
- Start with a fixed interest rate for a set period of time, then adjusting when interest rates change over the life of the loan
Mortgages
The Game Changer Mortgage
Closing Costs
- 10-year to 15-year term options available
- Lower your interest rate and potentially your monthly payment!
- Reduce the amount of time owed on your mortgage
Mortgages
FHA and VA Loans
Down Payment
- Low or no down payment options with flexible credit requirements.
- For qualifying veterans or buyers who qualify for FHA loans.
Mortgage Benefits
Competitive Rates
As a nonprofit organization, we offer competitive rates for all our members.
Flexible Terms
Whether you want a 30- or 15-year fixed, or a 30-year adjustable, we’ve got what you need.
Easy Application Process
Conveniently apply online or in person at a branch.
Fast Loan Decisions
Take advantage of a fast loan decision and personalized service from local representatives.
Home Equity Loans and Lines of Credit
Your home’s value can provide a great way to pay for home renovations, unexpected expenses, or special occasions. With a Pathways Home Equity Loan or Power Equity Line of Credit, get access to the cash you need—when you need it.
Home Equity
Home Equity Loan
Of Your Home's Appraised Value
- Maximum term of 15 years
- Finance up to 90% of your home’s appraised value
Home Equity
Power Equity Line of Credit
Maximum Line
- Rates some of the best in the market
- NO annual fee or closing costs
Home Equity and Line of Credit Benefits
Quick Access to Funds
Once your loan or line is approved, you can access the cash when you need it.
Easy Application Process
Conveniently apply online or in person at a branch.
Fast Loan Decisions
Take advantage of a fast loan decision and personalized service from local representatives.
Student Loans
Invest in your future for less! Our affordable student loans are offered in partnership with Sallie Mae to help you save on higher education financing. With a maximum loan amount of $75,000 and a low APR* of 1.00%, you can get the funds you need to make your educational dreams come true.
Student Loans
Student Loans
Minimum Loan
- Competitive interest rates
- Multiple repayment options
- No origination fees; no prepayment penalty
Student Loan Benefits
Easily Apply Online
Easily apply online or at a branch. You don't need to indicate which school you're attending to complete the application.
Fast Loan Decisions
After your online application is submitted, you will receive a decision within 3 business days — and maybe much sooner!
High Loan Amounts
Focus on your studies instead of stressing over funding! Borrow up to $75,000 for tuition, fees, books, room and board, and other educational expenses.
Competitive Rates
Our low rates reduce the cost of borrowing, which allows you to graduate with less debt.
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.
Financial Education Resources
Banzai is an award-winning, interactive content platform that teaches real-world finance. From budgeting advice to dozens of different financial calculators, Banzai helps you understand how to manage your money.
Automated Investing
Our automated EasyVest tool securely builds and optimizes your wealth, so you can relax knowing your future is taken care of. Perfect for anyone wanting to get started but unsure how — let Pathways EasyVest guide you on the journey to financial growth!
Free Credit Reports
Unlock your credit potential with Pathways SmartScore in Pathways Online Banking! Get unlimited access to your credit score, report, and tips to strengthen it. Understand what impacts your score and use personalized recommendations to improve it. Plus, enjoy custom offers to save money.
★★★★★
“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.
Have a Question? We’re Just a Call Away!
*APR = Annual Percentage Rate 1 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.
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