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 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According to CSR, the Early Withdrawal Penalty for either CD Special is 365 days of interest on the amount being withdrawn.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.

Joining Pathways can be done online or at any of six Ohio branches located in Columbus (4), Delaware, and Marysville.

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, 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 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.

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

  |     |   Comment #1
This is the most remarkable CD deal Ken has posted all year. The key to entry into this CU could lie within that list of 400 SEGs. I cannot locate the list online. Has anyone found it?
  |     |   Comment #2
The EWP of 365 days interest on the 40 month CD not so hot in a rising rate environment. Last week's Garden Savings 48 Month 4.07% CD came with a 6 month EWP.
  |     |   Comment #3
I looked but only saw a short list of 10-20 businesses
  |     |   Comment #4
If anyone learns more on the SEG please post. I have tried to call a few times and get no answer.
  |     |   Comment #5
Same here, highrate. Only a short list. We would need the complete list to have any shot whatsoever. And even then there would be no guarantee. But I WOULD like to see that long list of SEGs!
  |     |   Comment #6
It's not available anywhere online that I could find, just the short list. I'm guessing they listed the relatively large/major businesses publicly, and the others are all so small (little local stores/restaurants) that they didn't want to bother listing them because anyone who'd need to know about those being eligible would be informed by their boss at that business.
Good Deal
  |     |   Comment #7
The online application is quick & simple. I choose one of the SEGs listed but I was never asked to verify in the process. I used my credit card to pay for the $5 savings. All & all it only took 30+ minutes to complete. Shortly I was given my member & account #.

Now I can log into my acct & see the $5 savings listed. So when you go to the Pathways FCU site the Promo Special 40-Mo CD 4% is no longer listed as it was the first day. But you can see it when you log into your acct. I plan to open the special in the middle of Dec as I have another CD that matures at that time.

The Special states that it is offered through December 31, 2018. So go for it!!
  |     |   Comment #9
I am surprised you can do it without any verification. Aren't you concerned that they will find out and deactivate your account? Has anyone else done this?
  |     |   Comment #10
Agreed, highrate. A credit union will subject any new member to verification sooner or later. If they fail to do so they risk losing their charter. Loss of charter is a MOST serious matter for any CU. It is the same as going out of business is for a company. There are membership limitations agreed to by all credit unions. Those membership rules must be obeyed.
  |     |   Comment #11
I am wondering if I should try that as well. It's a really good cd rate, notwithstanding what I wrote above
  |     |   Comment #12
This writeup states that you have to visit a branch to open this CD, so if you don't live nearby then I guess trying to join and get the good rate won't work online.
  |     |   Comment #13
good point. So it's probably not worthwhile
  |     |   Comment #14
The competitor in that area is the GE Engine CU...either cu provides good rates (normally) but cracking the nut to be able to join is the key to this magic kingdom!
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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