d
Vote for your Board of directors
C
redit union membership puts the control in your hands. As a memberowner at Pathways Financial Credit Union, it’s not only your credit union right to vote for our volunteer Board of Directors, it’s your duty. Control of our credit union and its management is in your hands. You can’t say that at a bank, now can you? Each year our members elect a Board of Directors. Each member in good standing gets one vote, regardless of the number of shares they own. One person, one vote means that control and direction of the credit union is not based on the financial resources of a few members, but on the needs of the entire membership. We invite you to join us at our Annual Meeting on April 9 at 6:30 p.m., at our Western branch, 750 Georgesville Road, Columbus. Eligibility: If you are the primary owner listed on the account, have been a member for 90 days or more, your account is in good standing, and you are over the age of 16, you are eligible to vote.
Keep In Contact
Three Ways to Vote Please use one of the following convenient methods to cast your vote beginning February 1, 2014
WECU
n Online Voting
Administered by CUBallot, an independent, secure website. Receive easy-to-understand instructions on how to vote at https://pathwayscu.cuballot.com. n Telephone Voting Allows members to cast votes by dialing 877-254-9229. Simply follow the prompts of the interactive voice response system. You can also call this number to request a paper ballot be mailed to you. n Paper Ballots Are available at any Pathways Financial Credit Union branch and by phone, using the phone number above.
Pardon our dust! WECU Branch of Pathways gets a makeover
T
he next time that you stop by our WECU branch in Marysville you may notice some big changes happening both inside and outside. Our WECU location will be getting a makeover through the winter and into spring! We’re thrilled to bring these upgrades to all Pathways members who choose our Marysville location to do their banking. Please note that our WECU branch will remain open as construction is underway. Check our website at www.pathwayscu.com/wecu for regular updates regarding construction. We’ll continue to provide you with information as we break ground on this exciting project.
Holiday closing schedule
A
ll Pathways Financial Credit Union branches will be closed for business on the following holidays. Regular hours resume the following business day after each holiday. Online banking and telephone banking tools will remain available for your convenience, as will ATMs for cash withdrawals and debit cards for Point-Of-Sale purchases. Wednesday, January 1 - New Year’s Day Monday, January 20 - Martin Luther King, Jr. Day Monday, February 17 - Presidents Day
Members First
- Grandview
WWW.pAThWAyScU.cOM
1445 West Goodale Blvd., Columbus, OH 43212 Phone: (614) 462-6850 • Toll-Free: 1-800-743-2327
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A NEWSLETTER FOR OUR MEMBER/OWNERS Powerco
- Gahanna/New Albany
5665 North Hamilton Rd., Columbus, OH 43230 Phone: (614) 416-7588 • Toll-Free: 1-800-367-7485
Powerco
- AEP Building (Restricted Access)
1 Riverside Plaza, Columbus, OH 43215 Phone: (614) 716-6411 • Toll-Free: 1-800-367-7485 Routing #: 244077093 Special hours: Mon.-Fri. 8:30 am – 4:30 pm
- Marysville
121 Emmaus Rd., PO Box 426, Marysville, OH 43040 Phone: (937) 644-4746 Routing #: 244077093 Special hours: Mon.-Thur. 9:00 am – 5:00 pm Friday 9:00 am – 6:00 pm Saturday Closed
Western
- Casino District
750 Georgesville Rd., Columbus, OH 43228 Phone: (614) 276-6589 • Toll-Free: 1-800-765-4928
Western
- Delaware
879 West William St., Delaware, OH 43015 Phone: (740) 363-4646 • Toll-Free: 1-800-765-4928
Western
WINTER 2014
- Plain City
490 South Jefferson Ave., Plain City, OH 43064 Phone: (614) 873-6652 • Toll-Free: 1-800-765-4928
Hours (All offices except WECU and AEP Building) Day Office hours Drive-Thru Mon.-Thur. 8:30 am – 5:00 pm 8:00 am – 5:00 pm Friday 8:30 am – 6:00 pm 8:00 am – 6:00 pm Saturday 9:00 am – Noon 9:00 am – Noon CU*Talk Telephone Banking (614) 278-6152 • Toll-Free: 1-800-765-4237
Online Information Members First Web: www.pathwayscu.com/members-first Email:
[email protected]
Earn up to $6,500 for your education
WECU Web: www.pathwayscu.com/wecu Email:
[email protected]
Western Web: www.pathwayscu.com/western Email:
[email protected] Routing #: 244077093
DELIVER TO PATHWAYS
Apply now for the 2014 Pathways Financial Credit Union Scholarship
P
athways is proud to award a $2,500 scholarship to a hardworking high school senior or college attendee. All scholarship applications we receive will be forwarded to the Central Ohio Chapter of Credit Unions for the opportunity to receive one of three $1,000 scholarships. Central Ohio Chapter scholarship recipients are eligible to win one of five Ohio Credit Union Foundation sponsored scholarships of $3,000. In total, you could earn as much as $6,500 to put towards your education! The scholarship application can be found online at pathwayscu.com under the “Local News” tab of our website, as well as at all seven branches of Pathways Financial Credit Union. Please return your completed application by February 14, 2014, to your local branch, or mail to: Pathways Financial Credit Union ATTN: Scholarship Committee 5665 N. Hamilton Rd., Columbus, OH 43230
Powerco Web: www.pathwayscu.com/powerco Email:
[email protected]
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Eligibility rEquirEmEnts: One scholarship submission per entrant. Employees and board members of Pathways Financial Credit union, the Ohio Credit union league and its related organizations, including the Ohio Credit union Foundation, and their immediate family members, are not eligible for this opportunity.
Fee’d up with your bank’s checking account? We make moving your checking account an easy switch
W
hen it comes to checking accounts, the banks have us beat - on issuing fees, that is! The list is long: debit card fees, minimum balance fees, and minimum direct deposit fees just to name a few. Pathways offers several low or no-fee checking account options tailored to fit your needs. All of the bells and whistles come free of charge: n n n n n
FREE debit card Unlimited transactions FREE technology tools for around-the-clock monitoring of your accounts $10 Grace program means you won’t receive an overdraft fee if your account is negative $10 or less FREE Overdraft Protection programs
We understand that switching your checking account can sometimes feel like ending a relationship, so we try to make it as easy as possible. Access our Switch Kit for all the pieces required to move your checking account to Pathways. You’ll find checklists and printable forms to send to your bank notifying them that you’ve moved on to greener pastures. Call a Member Service Representative today or stop by your local branch to learn more about easily switching your checking account to your local credit union. Or access the Switch Kit online 24/7 under the Spending section of our website. *Dividends paid on average daily balances over $250.
High Tech Loan Tools
Say goodbye to paper statements
What local service means for your mortgage And why it’s an advantage for you
...And say hello to faster, safer, and greener E-statements Meet Surly Statement. He pops up in your mailbox sometime during the first week of every month, but you’re never sure quite when to expect him. He loves to sandwich himself in between the mountain of paper piled up on your counter or table. And if there’s one thing he really doesn’t like, it’s the environment. It’s time to tell him goodbye. Switch to E-statements before March 30, 2014, and we’ll enter you into our drawing for a $100 Visa gift card! Choosing
BY Cristina Diaz, mortgage Loan Officer
I
f you have purchased a home, you know that shopping for a mortgage loan is a big decision that can feel overwhelming. If you’re a first-time homebuyer, you know that it’s hard to have an idea of where to even begin. There are many advantages to choosing Pathways for your mortgage needs — not only in terms of rate, but service as well. Our mortgage loan officers are dedicated to making your purchase or refinance as simple and smooth as possible. Here’s how service makes a difference:
E-statements means that you can expect to receive your statement promptly on the first business day of each month. They are 100% safe and secure and help to eliminate unnecessary paper waste. And you can access all of your statements at any time directly through online banking. Already said goodbye to Surly? Then you are already entered into our drawing. Learn more about Surly Statement and our sweepstakes on our website.
Cristina Diaz Mortgage Loan Officer
your financial goals and the best way for us to help you achieve them. n Credit unions were built on the idea of “people helping people.” Our mortgage team follows that same philosophy. Since we work with you to achieve your financial goals, we’re committed to building a relationship, not just a one-time transaction. n Our in-house underwriting means we can close your loan quicker and more efficiently. n We’re here when you need us. Walk in, call our office, or send over an e-mail at any time to discuss your loan application, sign documents, or receive updates. n You’re assigned your own personal mortgage loan officer to be your point of contact from beginning to end, from application to closing.
www.pathwayscu.com/saygoodbye
*If you do not wish to receive electronic statements, please call the credit union to request to have your e-statement option turned off. Doing so will ensure that you continue to receive your paper statement. Sweepstakes runs from January 1 - March 30 , 2014 and is open to all new and current e-statement users. No purchse necessary and does not increase your odds of winning. Odds are based on the number of entries received, and winner will be selected at random. Drawing will take place on March 31, 2014. Winner will be notified by phone and/or e-mail and will be posted to Pathways Financial Credit Union website and social media outlets. Paper entries may be sent to Pathways Financial Credit Union, Attention: E-statements Sweepstakes, 5665 North Hamilton Road, Columbus, OH 43230 and must include name, address, and telephone number. One cash prize of $500 will be given away. The cash value of the prize may be considered income or be tax impacting and will be reported on IRS Form 1099-MISC. Consult your tax advisor for tax advice. Accessing e-statements requires the member to have free access to It’s Me 247 Online Banking. Federall and a valid e-mail address. Insured by NCUA. If you wish to not receive sweepstakes information in the future please contact the credit union toll-free at 1-800-367-7485.
As you begin exploring mortgage options, remember that there are big advantages to keeping your loan local. We’ll never sell the servicing of your mortgage to another financial institution, and we’ll always be available to provide you with the best service possible. Call or stop by our branch today to learn more.
Get account access wherever you are
Lost interest in your high-interest credit card?
Sign up for mobile banking and text banking We’ve all been there... That moment where you get ready to run out for an errand or two and stop in your tracks. “Wait, how much money do I have in my account again?” No need to lug out the laptop if you’ve enrolled in mobile and/ or text banking. We put instant account access directly at your fingertips to make monitoring your accounts a breeze. Check your balances and transfer funds on the spot, day or night. Here’s how you can access these FREE services available to you: Mobile Banking n Access www.pathwayscu.com using your
browser on your smart phone or tablet. n Click the “Mobile Banking” icon n Bookmark the page to your home screen for easy access
Text Banking n Log in to online
banking via the pathwayscu.com website n Click “Go Mobile” at the top of the page and follow the directions to enroll in text banking n Text one of the following commands to 46247: BAL Balance for all accounts BAL{nick} Balance for up to three accounts that you have nicknamed with online banking BAL{nick}{#} Balance for a specific membership and account combination HELP The member service number
n We initiate conversations that ensure we understand
Text banking is available to you regardless of your cell phone. You do not need a smart phone to access your accounts using text banking; however, please make sure that your cell phone service plan enables text messages. It is possible that your carrier may charge for text messages - check your plan for details. Both mobile and text banking are easy to use and have security measures in place to protect your account information.
Switch to the Pathways Platinum Rewards Visa
D
on’t settle for a credit card that only offers you an obscenely high interest rate and a mountain of fees. Transfer your balances from holiday purchases to a Pathways Platinum Rewards Visa and get a rate as low as 7.99% APR* with NO balance transfer fees, annual fees, or monthly maintenance fees. Not only could switching save you interest, but it’s also rewarding, too. Our credit cards come with CURewards, meaning you can redeem points for airfare, hotel stays, cruises, electronics, jewelry, housewares, and more. And just like all of your other accounts at Pathways, you can access your card 24/7 directly through online banking to monitor activity, view statements, make payments, and more. Call or stop by your local branch and speak with one of our loan officers to learn more about the many benefits of switching to our Pathways Platinum Rewards Visa. If you’re ready to apply, our online branch is always open at www.pathwayscu.com. *APR = Annual Percentage Rate. Your interest rate and repayment terms will be based on your individual credit history and may be different from rates quoted above. To obtain additional information, contact our Member Services department at 614-416-7588.
New Year. New Mortgage. Our 12-Year Mortgage Makeover offers a low rate and no closing costs
I
f saving money is your New Year’s resolution, our 12-Year Fixed-Rate Mortgage is the perfect vehicle to help you reach that goal. With a low, fixed interest rate at just 3.49%* and no closing costs, our 12-Year Fixed Rate Mortgage lets you take advantage of today’s historically low interest rates and use the monthly savings however you choose! Not only does this unique mortgage product allow you to pay off your mortgage sooner and simultaneously save thousands of dollars in interest, it also ensures that your loan stays right here in central Ohio. Pathways will never sell the servicing of your loan to another financial institution. Everyone gets a fresh start as the New Year begins, so why not your mortgage, too? Use your savings to pay off any leftover holiday bills! Call or visit any branch of Pathways Financial Credit Union to learn more about how our 12-Year Fixed-Rate Mortgage can put you on the path to big savings. Additional Benefits! • No pre-payment penalty • L oan can be closed and funded in as little as three weeks •A separate savings account to be used as an escrow-type savings for tax and insurance payments *APR = Annual Percentage Rate. Fixed Fixed 12-Year Mortgage interest rate assumes a maximum LTV of 80% for qualified buyers. Minimum loan amount of $30,000, minimum credit score of 700. Minimum credit score to qualify for 3.49% APR offer is 740. Rate effective October 1, 2013 and is subject to change. All interest rate offers are based on your individual credit history, property values, and other qualifying factors and may be different from the rate quoted above. Existing Pathways Financial loans: closing cost fee of $1,025 charged for all Pathways Financial mortgage loans refinanced to a lower rate under this program. This offer and membership in Pathways Financial is available to people who live, work, attend school or worship in Delaware, Franklin, Madison, and Union counties in Ohio.
High Tech Loan Tools
Say goodbye to paper statements
What local service means for your mortgage And why it’s an advantage for you
...And say hello to faster, safer, and greener E-statements Meet Surly Statement. He pops up in your mailbox sometime during the first week of every month, but you’re never sure quite when to expect him. He loves to sandwich himself in between the mountain of paper piled up on your counter or table. And if there’s one thing he really doesn’t like, it’s the environment. It’s time to tell him goodbye. Switch to E-statements before March 30, 2014, and we’ll enter you into our drawing for a $100 Visa gift card! Choosing
BY Cristina Diaz, mortgage Loan Officer
I
f you have purchased a home, you know that shopping for a mortgage loan is a big decision that can feel overwhelming. If you’re a first-time homebuyer, you know that it’s hard to have an idea of where to even begin. There are many advantages to choosing Pathways for your mortgage needs — not only in terms of rate, but service as well. Our mortgage loan officers are dedicated to making your purchase or refinance as simple and smooth as possible. Here’s how service makes a difference:
E-statements means that you can expect to receive your statement promptly on the first business day of each month. They are 100% safe and secure and help to eliminate unnecessary paper waste. And you can access all of your statements at any time directly through online banking. Already said goodbye to Surly? Then you are already entered into our drawing. Learn more about Surly Statement and our sweepstakes on our website.
Cristina Diaz Mortgage Loan Officer
your financial goals and the best way for us to help you achieve them. n Credit unions were built on the idea of “people helping people.” Our mortgage team follows that same philosophy. Since we work with you to achieve your financial goals, we’re committed to building a relationship, not just a one-time transaction. n Our in-house underwriting means we can close your loan quicker and more efficiently. n We’re here when you need us. Walk in, call our office, or send over an e-mail at any time to discuss your loan application, sign documents, or receive updates. n You’re assigned your own personal mortgage loan officer to be your point of contact from beginning to end, from application to closing.
www.pathwayscu.com/saygoodbye
*If you do not wish to receive electronic statements, please call the credit union to request to have your e-statement option turned off. Doing so will ensure that you continue to receive your paper statement. Sweepstakes runs from January 1 - March 30 , 2014 and is open to all new and current e-statement users. No purchse necessary and does not increase your odds of winning. Odds are based on the number of entries received, and winner will be selected at random. Drawing will take place on March 31, 2014. Winner will be notified by phone and/or e-mail and will be posted to Pathways Financial Credit Union website and social media outlets. Paper entries may be sent to Pathways Financial Credit Union, Attention: E-statements Sweepstakes, 5665 North Hamilton Road, Columbus, OH 43230 and must include name, address, and telephone number. One cash prize of $500 will be given away. The cash value of the prize may be considered income or be tax impacting and will be reported on IRS Form 1099-MISC. Consult your tax advisor for tax advice. Accessing e-statements requires the member to have free access to It’s Me 247 Online Banking. Federall and a valid e-mail address. Insured by NCUA. If you wish to not receive sweepstakes information in the future please contact the credit union toll-free at 1-800-367-7485.
As you begin exploring mortgage options, remember that there are big advantages to keeping your loan local. We’ll never sell the servicing of your mortgage to another financial institution, and we’ll always be available to provide you with the best service possible. Call or stop by our branch today to learn more.
Get account access wherever you are
Lost interest in your high-interest credit card?
Sign up for mobile banking and text banking We’ve all been there... That moment where you get ready to run out for an errand or two and stop in your tracks. “Wait, how much money do I have in my account again?” No need to lug out the laptop if you’ve enrolled in mobile and/ or text banking. We put instant account access directly at your fingertips to make monitoring your accounts a breeze. Check your balances and transfer funds on the spot, day or night. Here’s how you can access these FREE services available to you: Mobile Banking n Access www.pathwayscu.com using your
browser on your smart phone or tablet. n Click the “Mobile Banking” icon n Bookmark the page to your home screen for easy access
Text Banking n Log in to online
banking via the pathwayscu.com website n Click “Go Mobile” at the top of the page and follow the directions to enroll in text banking n Text one of the following commands to 46247: BAL Balance for all accounts BAL{nick} Balance for up to three accounts that you have nicknamed with online banking BAL{nick}{#} Balance for a specific membership and account combination HELP The member service number
n We initiate conversations that ensure we understand
Text banking is available to you regardless of your cell phone. You do not need a smart phone to access your accounts using text banking; however, please make sure that your cell phone service plan enables text messages. It is possible that your carrier may charge for text messages - check your plan for details. Both mobile and text banking are easy to use and have security measures in place to protect your account information.
Switch to the Pathways Platinum Rewards Visa
D
on’t settle for a credit card that only offers you an obscenely high interest rate and a mountain of fees. Transfer your balances from holiday purchases to a Pathways Platinum Rewards Visa and get a rate as low as 7.99% APR* with NO balance transfer fees, annual fees, or monthly maintenance fees. Not only could switching save you interest, but it’s also rewarding, too. Our credit cards come with CURewards, meaning you can redeem points for airfare, hotel stays, cruises, electronics, jewelry, housewares, and more. And just like all of your other accounts at Pathways, you can access your card 24/7 directly through online banking to monitor activity, view statements, make payments, and more. Call or stop by your local branch and speak with one of our loan officers to learn more about the many benefits of switching to our Pathways Platinum Rewards Visa. If you’re ready to apply, our online branch is always open at www.pathwayscu.com. *APR = Annual Percentage Rate. Your interest rate and repayment terms will be based on your individual credit history and may be different from rates quoted above. To obtain additional information, contact our Member Services department at 614-416-7588.
New Year. New Mortgage. Our 12-Year Mortgage Makeover offers a low rate and no closing costs
I
f saving money is your New Year’s resolution, our 12-Year Fixed-Rate Mortgage is the perfect vehicle to help you reach that goal. With a low, fixed interest rate at just 3.49%* and no closing costs, our 12-Year Fixed Rate Mortgage lets you take advantage of today’s historically low interest rates and use the monthly savings however you choose! Not only does this unique mortgage product allow you to pay off your mortgage sooner and simultaneously save thousands of dollars in interest, it also ensures that your loan stays right here in central Ohio. Pathways will never sell the servicing of your loan to another financial institution. Everyone gets a fresh start as the New Year begins, so why not your mortgage, too? Use your savings to pay off any leftover holiday bills! Call or visit any branch of Pathways Financial Credit Union to learn more about how our 12-Year Fixed-Rate Mortgage can put you on the path to big savings. Additional Benefits! • No pre-payment penalty • L oan can be closed and funded in as little as three weeks •A separate savings account to be used as an escrow-type savings for tax and insurance payments *APR = Annual Percentage Rate. Fixed Fixed 12-Year Mortgage interest rate assumes a maximum LTV of 80% for qualified buyers. Minimum loan amount of $30,000, minimum credit score of 700. Minimum credit score to qualify for 3.49% APR offer is 740. Rate effective October 1, 2013 and is subject to change. All interest rate offers are based on your individual credit history, property values, and other qualifying factors and may be different from the rate quoted above. Existing Pathways Financial loans: closing cost fee of $1,025 charged for all Pathways Financial mortgage loans refinanced to a lower rate under this program. This offer and membership in Pathways Financial is available to people who live, work, attend school or worship in Delaware, Franklin, Madison, and Union counties in Ohio.
Vote for your Board of directors
C
redit union membership puts the control in your hands. As a memberowner at Pathways Financial Credit Union, it’s not only your credit union right to vote for our volunteer Board of Directors, it’s your duty. Control of our credit union and its management is in your hands. You can’t say that at a bank, now can you? Each year our members elect a Board of Directors. Each member in good standing gets one vote, regardless of the number of shares they own. One person, one vote means that control and direction of the credit union is not based on the financial resources of a few members, but on the needs of the entire membership. We invite you to join us at our Annual Meeting on April 9 at 6:30 p.m., at our Western branch, 750 Georgesville Road, Columbus. Eligibility: If you are the primary owner listed on the account, have been a member for 90 days or more, your account is in good standing, and you are over the age of 16, you are eligible to vote.
Keep In Contact
Three Ways to Vote Please use one of the following convenient methods to cast your vote beginning February 1, 2014
WECU
n Online Voting
Administered by CUBallot, an independent, secure website. Receive easy-to-understand instructions on how to vote at https://pathwayscu.cuballot.com. n Telephone Voting Allows members to cast votes by dialing 877-254-9229. Simply follow the prompts of the interactive voice response system. You can also call this number to request a paper ballot be mailed to you. n Paper Ballots Are available at any Pathways Financial Credit Union branch and by phone, using the phone number above.
Pardon our dust! WECU Branch of Pathways gets a makeover
T
he next time that you stop by our WECU branch in Marysville you may notice some big changes happening both inside and outside. Our WECU location will be getting a makeover through the winter and into spring! We’re thrilled to bring these upgrades to all Pathways members who choose our Marysville location to do their banking. Please note that our WECU branch will remain open as construction is underway. Check our website at www.pathwayscu.com/wecu for regular updates regarding construction. We’ll continue to provide you with information as we break ground on this exciting project.
Holiday closing schedule
A
ll Pathways Financial Credit Union branches will be closed for business on the following holidays. Regular hours resume the following business day after each holiday. Online banking and telephone banking tools will remain available for your convenience, as will ATMs for cash withdrawals and debit cards for Point-Of-Sale purchases. Wednesday, January 1 - New Year’s Day Monday, January 20 - Martin Luther King, Jr. Day Monday, February 17 - Presidents Day
Members First
- Grandview
WWW.pAThWAyScU.cOM
1445 West Goodale Blvd., Columbus, OH 43212 Phone: (614) 462-6850 • Toll-Free: 1-800-743-2327
A NEWSLETTER FOR OUR MEMBER/OWNERS Powerco
- Gahanna/New Albany
5665 North Hamilton Rd., Columbus, OH 43230 Phone: (614) 416-7588 • Toll-Free: 1-800-367-7485
Powerco
- AEP Building (Restricted Access)
1 Riverside Plaza, Columbus, OH 43215 Phone: (614) 716-6411 • Toll-Free: 1-800-367-7485 Routing #: 244077093 Special hours: Mon.-Fri. 8:30 am – 4:30 pm
- Marysville
121 Emmaus Rd., PO Box 426, Marysville, OH 43040 Phone: (937) 644-4746 Routing #: 244077093 Special hours: Mon.-Thur. 9:00 am – 5:00 pm Friday 9:00 am – 6:00 pm Saturday Closed
Western
- Casino District
750 Georgesville Rd., Columbus, OH 43228 Phone: (614) 276-6589 • Toll-Free: 1-800-765-4928
Western
- Delaware
879 West William St., Delaware, OH 43015 Phone: (740) 363-4646 • Toll-Free: 1-800-765-4928
Western
WINTER 2014
- Plain City
490 South Jefferson Ave., Plain City, OH 43064 Phone: (614) 873-6652 • Toll-Free: 1-800-765-4928
Hours (All offices except WECU and AEP Building) Day Office hours Drive-Thru Mon.-Thur. 8:30 am – 5:00 pm 8:00 am – 5:00 pm Friday 8:30 am – 6:00 pm 8:00 am – 6:00 pm Saturday 9:00 am – Noon 9:00 am – Noon CU*Talk Telephone Banking (614) 278-6152 • Toll-Free: 1-800-765-4237
Online Information Members First Web: www.pathwayscu.com/members-first Email:
[email protected]
Earn up to $6,500 for your education
P
athways is proud to award a $2,500 scholarship to a hardworking high school senior or college attendee. All scholarship applications we receive will be forwarded to the Central Ohio Chapter of Credit Unions for the opportunity to receive one of three $1,000 scholarships. Central Ohio Chapter scholarship recipients are eligible to win one of five Ohio Credit Union Foundation sponsored scholarships of $3,000. In total, you could earn as much as $6,500 to put towards your education! The scholarship application can be found online at pathwayscu.com under the “Local News” tab of our website, as well as at all seven branches of Pathways Financial Credit Union. Please return your completed application by February 14, 2014, to your local branch, or mail to: Pathways Financial Credit Union ATTN: Scholarship Committee 5665 N. Hamilton Rd., Columbus, OH 43230
Powerco Web: www.pathwayscu.com/powerco Email:
[email protected]
WECU Web: www.pathwayscu.com/wecu Email:
[email protected]
Western Web: www.pathwayscu.com/western Email:
[email protected] Routing #: 244077093
DELIVER TO PATHWAYS
Apply now for the 2014 Pathways Financial Credit Union Scholarship
Eligibility rEquirEmEnts: One scholarship submission per entrant. Employees and board members of Pathways Financial Credit union, the Ohio Credit union league and its related organizations, including the Ohio Credit union Foundation, and their immediate family members, are not eligible for this opportunity.
Fee’d up with your bank’s checking account? We make moving your checking account an easy switch
W
hen it comes to checking accounts, the banks have us beat - on issuing fees, that is! The list is long: debit card fees, minimum balance fees, and minimum direct deposit fees just to name a few. Pathways offers several low or no-fee checking account options tailored to fit your needs. All of the bells and whistles come free of charge: n n n n n
FREE debit card Unlimited transactions FREE technology tools for around-the-clock monitoring of your accounts $10 Grace program means you won’t receive an overdraft fee if your account is negative $10 or less FREE Overdraft Protection programs
We understand that switching your checking account can sometimes feel like ending a relationship, so we try to make it as easy as possible. Access our Switch Kit for all the pieces required to move your checking account to Pathways. You’ll find checklists and printable forms to send to your bank notifying them that you’ve moved on to greener pastures. Call a Member Service Representative today or stop by your local branch to learn more about easily switching your checking account to your local credit union. Or access the Switch Kit online 24/7 under the Spending section of our website. *Dividends paid on average daily balances over $250.
