Pathways Financial Credit Union Offers Competitive CD Rates in OH & KY


Deal Summary: Certificates – 12-month (0.70% APY), 18-month (0.75% APY), 24-month (0.85% APY), $500 minimum deposit.

Availability: Easy membership requirement in Ohio and Kentucky.

Ohio-based Pathways Financial Credit Union (Pathways) is offering competitive rates on its shorter-term Certificates: 12-month (0.70% APY), 18-month (0.75% APY), 24-month (0.85% APY). The minimum opening deposit is $500, with no stated balance cap.

0.85*%$500-Pathways Financial Credit Union24 Month Certificate
0.75*%$500-Pathways Financial Credit Union18 Month Certificate
0.70*%$500-Pathways Financial Credit Union12 Month Certificate
Rates as of June 13, 2021.

As stated on the Rates page, the Early Withdrawal Penalty reads as follows:

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.

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.


Headquartered in Columbus, Ohio, Pathways Financial Credit Union’s field of membership (FOM) has expanded significantly since I last wrote about them in 2018. Previously limited to seven Central Ohio counties, the current FOM includes an easy membership requirement (American Consumer Council membership) for all residents of Ohio and Kentucky. This is described at the start of the online application.

Individuals who live, work, worship, attend school, or own a business in Ohio counties of Clark, Delaware, Fairfield, Franklin, Greene, Licking, Madison, Miami, Montgomery, Pickaway, or Union, or the city of Maysville (KY) are also 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.

Joining Pathways and/or opening a Certificate can be done online,* by phone (614.416.7588, 800.367.7485), or at any of six Ohio branches located in Columbus (4), Delaware, and Marysville. There are also five Ohio branches in Aberdeen, Beavercreek, Dayton, Engelwood, Dayton that operate as Incenta, A Division of Pathways Financial Credit Union.

*The online application is showing APYs 10 bps lower than the APYs listed on Pathways’ Rates page. CSR confirmed the higher rates are the correct rates and suggested opening a Certificate over the phone would probably be the best option until the online application is updated.

The Share Savings Account is a required account and establishes your membership
with Pathways. The account must be opened with a $5.00 minimum deposit.

Pathways participates in the CO-OP Shared Branch network.

Not close to a Pathways branch?
Access your Pathways account via the Shared Branching Network!

In addition to our branches throughout central Ohio area, we also have over 5,000 branches available to you across the United States and in foreign countries.

Credit Union Overview

Pathways Financial Credit Union has an overall health grade of "A" at, with a Texas Ratio of 3.11% (excellent) based on December 31, 2021 data. In the past year, Pathways has increased its total non-brokered deposits by $88.93 million, an excellent annual growth rate of 24.19%. 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. In the past two years, three more mergers were finalized (American Chemical Society Federal Credit Union, Incenta Federal Credit Union, and Standard Register Federal Credit Union), resulting in a statewide FOM. Pathways Financial Credit Union is currently the 15th largest credit union headquartered in Ohio, with nearly 41,000 members and assets in excess of $506 million.

How the Certificates Compare

Given the multi-state FOM, a comparison to nationally available CD is appropriate. When compared to similar length-of-term CDs tracked by that require a similar minimum deposit and are available nationwide, Pathways Financial Credit Union's 12-, 18-, and 24-month Certificate APYs all currently rank second.

The above rates are accurate as of 4/22/2021.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Columbus CD rates, Dayton CD rates, 1-year CD rates, 5-year CD rates

Pathways Financial Credit Union (OH) Adds 40-Month CD
Deal Summary: Certificate Specials – 40-month (4.00% APY) and 30-month (3.50% APY), $10k minimum deposit, offered through December 31, 2018.

Availability: Residents of seven central Ohio counties; employees/retirees of more than 400 SEGs.

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...

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7.00% 7-Month CD at an Ohio CU (Western).
Western Credit Union is offering a 7.00% APY 7-month share certificate. The minimum deposit is $5K and the maximum is $100K. Only consumer deposits are allowed and the money must be new to the credit union. It's a limited time offer.

The field of membership includes those who live, work, worship or attend school in several areas of Ohio including Delaware County, Union County and Madison County. There's also a long list of Select Employee Groups. To join, you must open a share savings account with a minimum $5 deposit.

Branches are...

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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.