Credit union · NCUA insured
Pathways Financial Credit Union Savings Rates
Top CarrotPathways Financial Credit Union’s best savings rate is 4.00% APY on $10,000, with its Promotional Money Market Account. Rates checked October 6, 2026.
How Pathways Financial Credit Union’s savings rates compare
Compared with banks and credit unions near Columbus, OH, where Pathways Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pathways Financial Credit Union
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Promotional Money Market Account
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Pathways Financial Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0004.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Pathways Financial Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Owner Rewards Savings
0.05%APY
Must open a qualifying Swipe2Save Checking account or eligible Pathways cash-back rewards credit card. Only permitted deposits are loan interest rebates, cash-back points redeemed for cash, round-up deposits, and match funds; no monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Compounded and credited quarterly on balances $5,000 and under. | 10.00% | — | Compounded and credited quarterly on balances $5,000 and under. |
| $5,000 and upApplies to balances exceeding $5,000 (earns regular Secondary Savings APY). | 0.05% | $5 | Applies to balances exceeding $5,000 (earns regular Secondary Savings APY). |
Sources (5)
- pathwayscu.com/disclosures
- pathwayscu.com/es/rates
- pathwayscu.com/products/owner-rewards
- pathwayscu.com/products/savings
- pathwayscu.com/rates
All captured Sep 18, 2026
Promotional Money Market Account
4.00%APY
Available only on new Promotional Money Market accounts opened between August 1, 2026 and September 30, 2026. Funds must be new to Pathways Financial Credit Union and transferred from another financial institution; existing Pathways deposits and existing Money Market accounts do not qualify. Promotional rate applies through January 31, 2027; after January 31, 2027, automatically converts to a standard Pathways Money Market Account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upPromotional APY earned through January 31, 2027 on qualifying new money with a minimum balance of $2,500.$2,500 and up | 4.00% | $400 | Promotional APY earned through January 31, 2027 on qualifying new money with a minimum balance of $2,500. |
Sources (1)
- pathwayscu.com/moneymarketspecial · captured Sep 18, 2026
Money Market
2.00%APY
Rates on variable rate accounts could change after account opening. Open account and earn dividends with initial deposit of $2,500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 1.90% | — |
| $10,000 – $25,000 | 2.00% | $200 |
| $25,000 – $50,000 | 2.10% | — |
| $50,000 – $100,000 | 2.20% | — |
| $100,000 – $250,000 | 2.30% | — |
| $250,000 and up | 2.40% | — |
Sources (3)
All captured Sep 18, 2026
Regular Share Savings
0.05%APY
Establish membership with the credit union; minimum deposit of $5 to open; minimum balance to earn dividends is $250.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Secondary Member Share
0.05%APY
Min. to Open/Earn Dividends is $250.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Special-purpose accounts
Health Savings Account (HSA)
0.75%APY
Requires enrollment in a qualified High Deductible Health Plan (HDHP).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.25% | — |
| $2,500 – $10,000 | 0.50% | — |
| $10,000 – $25,000 | 0.75% | $75 |
| $25,000 and up | 1.00% | — |
Sources (4)
- pathwayscu.com
- pathwayscu.com/products/health-savings
- pathwayscu.com/products/savings
- pathwayscu.com/rates
All captured Sep 18, 2026
Traditional IRA
0.15%APY
IRA savings account. Minimum age for withdrawals without penalty is 59.5 years; early withdrawals may be subject to IRS penalties and income tax.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $100,000 | 0.15% | $15 |
| $100,000 and up | 0.25% | — |
Sources (3)
All captured Sep 18, 2026
Holiday Club
0.05%APY
On October 1st of each year, balance is automatically transferred into Regular Share Savings account; minimum balance to earn dividends is $250.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Vacation Club
0.05%APY
Minimum balance to open is $0; minimum balance to earn dividends is $250.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 and up | 0.05% | $5 |
Who can join Pathways Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.