Now through the end of the year, Pathways Financial Credit Union (Pathways) is offering two very competitive Certificate Specials: 40-month (4.00% APY) and 30-month (3.50% APY). These limited-time specials require a $10k minimum deposit, with no stated balance cap. (Note: previous Pathways Certificate Specials have required new money, but CSR stated the 40- and 30-month do NOT.)
According to CSR, the Early Withdrawal Penalty for either CD Special is 365 days of interest on the amount being withdrawn.
Excess Share Insurance
Large deposits at Pathways are protected by Excess Share Insurance.
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.
Thanks to DA reader, schweikw, for posting about these CD specials in the DA Forum.
Headquartered in Columbus, Ohio, Pathways Financial Credit Union’s field of membership (FOM) is primarily residency-based, with individuals who live, work, worship, or attend school in the Ohio counties of Delaware, Fairfield, Franklin, Licking, Madison, Pickaway, or Union eligible to join.
Employees and retirees (and their immediate family members) of more than 400 SEGs qualify for membership.
Immediate family members of current Pathways members are also welcome to apply.
Opening a Certificate Special can only be done at any of the above mentioned branch locations.
Not close to a Pathways branch?
Access your Pathways account via the Shared Branching Network!
Pathways is a member of the Credit Union Service Center’s Shared
Branching network, giving our members branch access wherever they are.
Credit Union Overview
Pathways Financial Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 2.07% (excellent) based on June 30, 2018 data. In the past year, Pathways has increased its total non-brokered deposits by $11.11 million, an excellent annual growth rate of 5.11%. Please refer to our financial overview of Pathways Financial Credit Union (NCUA Certificate # 66376) for more details.
Pathways Financial Credit Union was established in 2012, when three Central Ohio credit unions (Members First, Powerco, Western) merged. A year later, WECU joined the Pathways family as the fourth founding member. With a combined 216 years of member service, Members First, Powerco, Western, and WECU also had widely diverse FOMs, leading Pathways to adopt a residency-based FOM. Pathways Financial Credit Union is currently Ohio’s 25th largest credit union with more than 27,300 members and assets in excess of $259 million.
How the Certificate Specials Compare
When compared to 272 similar length-of-term CDs tracked by DepositAccounts.com that require a minimum deposit of $10k or less and are available within the FOM, Pathways Financial Credit Union's 40-month and 30-month Certificate Special APYs currently rank first and second, respectively.
The above rates are accurate as of 11/14/2018.
To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.