Put your home to work

---

CATCH

Keep In Contact

THE

SAVE WAVE

Members First

- Grandview

A NEWSLETTER FOR OUR MEMBER/OWNERS Powerco

™ Powerco

- AEP Building (Restricted Access)

1 Riverside Plaza, Columbus, OH 43215 Phone: (614) 716-6411 • Toll-Free: 1-800-367-7485 Special Hours: Mon.-Fri. 8:30 am – 4:30 pm

Younger Members can CATCH THE $AVE WAVE in April TM

I

t’s fun in the sun for kids and teens at Pathways during the month of April! Join us as we celebrate National Credit Union Youth Week from April 20-26. The fun isn’t limited to one week only ­— younger members can CATCH THE $AVE WAVE all month long as part of the National Youth Savings Challenge.

WECU

- Marysville

121 Emmaus Rd., PO Box 426, Marysville, OH 43040 Phone: (937) 644-4746 Special Hours: Mon.-Thur.  9:00 am – 5:00 pm Friday 9:00 am – 6:00 pm

iStock/Thinkstock

TM

Here’s how members under 18 can participate: n M  ake a minimum of one deposit any time during the month of April to participate in the National Youth Savings Challenge. Ten young savers from credit unions across the country will be selected to win a $100 prize!* n M  ake a deposit at any of our seven branch locations between April 20 and April 26 and receive a special gift!**

Western

- Casino District

750 Georgesville Rd., Columbus, OH 43228 Phone: (614) 276-6589 • Toll-Free: 1-800-765-4928

© 2014 Credit Union National Association Inc.

*Prizes will be awarded by the Credit Union National Association (CUNA). Please see branch staff for details. **Limit one per member. Member must be 18 or younger and make a deposit between 4/20-4/26 in person to qualify. Offer valid while supplies last.

Thinking about buying a home? CONTINUED FROM FRONT PAGE

Our new and improved online Mortgage Center lets you: n R  eceive an online pre-approval letter in

as little as 20 minutes n V  iew rates for a variety of home loan products n V  iew current listings online n D  etermine affordability with the Mortgage Calculator n D  ownload and complete a purchase checklist n S  earch our database of preferred real estate agents

We now also offer FHA loans to help even more members realize the dream of home ownership! If you’re thinking that 2014 may be your year, reach out to any of our Mortgage Loan Officers for a free, no-obligation mortgage analysis. Gahanna/New Albany and Grandview Don Henderson, 614-416-7588 ext. 1412, [email protected] Casino District, Delaware, and Plain City Cristina Diaz, 614-276-6589 ext. 1245, [email protected] (Hablo Español) Our mortgage officers can come to the branch nearest to you, even if their main office is in a different location.

Western

- Delaware

879 West William St., Delaware, OH 43015 Phone: (740) 363-4646 • Toll-Free: 1-800-765-4928

Western

- 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]

Powerco Web: www.pathwayscu.com/powerco Email: [email protected]

WECU Web: www.pathwayscu.com/wecu Email: [email protected]

All Pathways Financial Credit Union branches will be closed for business on Memorial Day, Monday, May 26. 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.

SPRING 2014

- Gahanna/New Albany

5665 North Hamilton Rd., Columbus, OH 43230 Phone: (614) 416-7588 • Toll-Free: 1-800-367-7485

Help us celebrate National Credit Union Youth Week

If you’re in the market for a new home, Pathways has the tools and resources to make financing an easy process.

WWW.PATHWAYSCU.COM

1445 West Goodale Blvd., Columbus, OH 43212 Phone: (614) 462-6850 • Toll-Free: 1-800-743-2327

Western Web: www.pathwayscu.com/western Email: [email protected]

Proudly Made in the USA

Routing #: 244077093

Put your home to work Take advantage of our NEW Home Equity Line of Credit

W

inter is (thankfully!) behind us for another year and “Home Improvement Season” is fast approaching, making now the perfect time to put your home to work for you. Secure extra funds quickly and affordably with our NEW low-rate Home Equity Line of Credit. HELOCs allow you to take advantage of the equity in your home and use the funds for whatever you need – be it a new roof or a rainy day fund. It’s your home, your funds, your choice. Features of the NEW Pathways Home Equity Line of Credit: n Rates are some of the best in the market - starting as low as 2.99% APR!* n Up to 80% LTV n Lines up to $100,000 n NO annual fee n NO closing costs n NO draw requirements n Interest-only payment option now available n E  asily access your HELOC funds in person, online, via check, OR MasterCard debit card (coming soon!) n 10-year draw period To learn more about our Home Equity options, contact your local branch of Pathways and ask to speak with a Member Service Representative. Apply in person, over the phone, or online 24/7 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 than rates quoted above. Maximum credit line of $100,000; maximum LTV of 80%. Closing cost fee will be assessed if HELOC is closed within 3 years of opening. HELOC will convert to 15- year closed-end mortgage following the 10-year draw period. This line cannot replace a first position mortgage and must be in first or second position.

A Home Equity Line of Credit can be used for virtually any expense, including paying off bills, vacations, education, and home improvements.

Thinking about buying a home? Four reasons why 2014 is your year! 4 Reasons to Buy in 2014:

DON HENDERSON SENIOR MORTGAGE LOAN OFFICER

1. Increased lending regulations. Lending changes in the Dodd-Frank Wall Street Reform and Consumer Protection Act took effect on January 10 to safeguard against future housing meltdowns. Such changes include adjustments to debt-toincome requirements, among other things. Expect to see tighter restrictions and more paperwork in the years to come.

T

o say that the past few years in real estate have been tumultuous is putting it nicely. Thankfully, experts now have a clearer view of where the housing market is headed this year and beyond. 2014 is a great year if you’re considering purchasing a new home… but act fast!

DON HENDERSON SENIOR MORTGAGE LOAN OFFICER

2. Rates are on the rise. Gone are the days of historically low rates. Experts are in agreement that interest rates will only continue to rise. When it comes to cementing a low interest rate, the earlier you can act the better.

3. Home prices are increasing. Homes are affordable now, but know that prices are projected to rise this year at rates consistent with the historical average of 3-5%…or possibly higher. 4. Your purchasing power has never been higher. Reasons 1 to 3 all contribute to lower purchasing power for borrowers in the years to come. “Kicking the tires” on a home purchase will only cost you more money in the future. Know that your purchasing power will be high in 2014. CONTINUED ON BACK PAGE

Credit vs. Debit at the checkout...

Pathways awards scholarship Winning student Eliza Wells studying at Lee University Borrow to Give Returns Refinance your auto loan to give back to your local community

Last spring, Pathways Financial Credit Union raised over $20,000 for Central Ohio charitable organizations through our Borrow to Give program. Help us surpass this amount in 2014 as Borrow to Give kicks off on April 1! GIVING BACK IS EASY: 1. Refinance your auto loan from another financial institution to Pathways. You’ll get up to $500 cash back just for making the switch. 2. Let your loan officer know that you’d like to donate all or part of your cash back to your branch’s Borrow to Give organization: Members First (Grandview) TriVillage Mentor League Powerco (Gahanna/New Albany) Gahanna Residents in Need Powerco (1 Riverside Plaza) Operation Feed WECU (Marysville) Union County Humane Society Western (Casino District)  South-Western City Schools Education Foundation Western (Delaware) Common Ground Free Store Western (Plain City) Uptown Plain City Organization No matter if you give $1 or $400, every little bit counts! 3. Make no loan payments for 90 days and potentially lower your monthly payment with rates as low as 2.99% APR*. The best news? Borrow to Give has been extended from two months to eight months, meaning we’ll be giving back to local organizations serving our communities through the end of the year! To learn more about refinancing your car loan or Borrow to Give, contact your local branch of Pathways. Or, apply online day or night at www.pathwayscu.com. * APR = Annual Percentage Rate. Borrowers with 740+ beacon eligible for 2.74%/2.99% APR. Your interest rate and repayment terms will be based on your individual credit history and may be different from rates quoted above. For cash back offer: Minimum loan amount $3,000; you will earn 1% of the auto loan balance transferred; maximum cash back $500. You will be given the option of donating all or a portion of your cash back amount to the Borrow to Give partner organization affiliated with the branch where your loan is closed. Offer valid through 12/31/2014. We reserve the right to extend or end this promotion at any time. To obtain additional information please contact your local branch of PFCU. Existing Pathways auto loans not eligible for this offer.

P

athways Financial Credit Union is dedicated to improving the financial well-being of our members; this commitment means helping them reach important milestones such as pursuing higher education. We are proud to announce that Eliza Wells has been awarded our annual scholarship for 2014, receiving $2,500 to apply towards college expenses. All scholarship applications have been submitted to the Central Ohio Chapter of Credit Unions for the chance to receive an additional $1,000 scholarship. All COCCU scholarship winners are eligible for an additional $3,000 through the Ohio Credit Union Foundation. COCCU and OCUF will announce their scholarship recipients later this Spring. A sophomore Humanities student at Lee University in Cleveland, Tennessee, Eliza plans on entering a graduate program to earn her Masters of Library and Information Science degree. She has worked in libraries since high school and is excited to pursue a career in such a rewarding field.

Switch to FREE checking It could mean $5,000 in your pocket

O

A decision that pays off

ur Premier Checking Account doesn’t offer much…in the way of fees, that is. We believe our members have the right to a checking account option that’s free of monthly maintenance fees, minimum balance fees, minimum direct deposit fees, and the like. There has never been a better time to switch if you’re stuck” Feelionugr“bank? “fee’d up” with your checking account elsewhere. at y rry – we make All members who have a checking account on or Don’t woyour checking before November 30, 2014, will be entered into a moving t hassle-free. drawing to win $5,000 right before the holidays!* accoun bout our Ask us a itch” Benefits of FREE Premier Checking: ”EasySw Kit! n Unlimited transactions Switch n Dividends paid on average daily balances of $250 or more n Overdraft protection options n First box of checks free n Free and unlimited usage of your debit card at Pathways ATMs* n A  dded benefits when you reach age 55 - Free basic wallet-duplicate checks, free phone transfers, and 50% off our safe deposit box annual fee n A  ll of the extras that make monitoring your checking account a breeze – Online/ mobile banking, text banking, bill pay, E-alerts, E-statements, direct deposit, Debit Card RoundUP program, and $10 Grace.

Open a Pathways Platinum Rewards Visa for your chance to have your balance paid off

Don’t yet have a checking account at Pathways? Make the switch for your chance to win $5,000! All current checking account-holders are automatically entered to win. Call or visit your local branch of Pathways to learn more or to apply.

Greg Kidwell, President at Pathways Financial Credit Union, presents scholarship winner Eliza Wells with a check for $2,500 to assist with college expenses.

“I am so thankful to be receiving this scholarship from Pathways!” Eliza told us. “I appreciate this institution’s commitment to education, and I hope that they continue this program in the future. Thank you, Pathways, for investing in my future!” Congratulations, Eliza, and thank you for being a valued member-owner at Pathways Financial Credit Union. We look forward to seeing where your journey will take you!

T

here are many reasons why opening a credit card at your local credit union makes sense, but here’s one more: all members with a Pathways Platinum Rewards Visa on or before December 31, 2014, will be entered into a drawing to have your credit card balance paid off up to $5,000! Imagine how wonderful it would be to have any accrued holiday debt completely wiped away at the start of the New Year! Don’t yet have a credit card at Pathways? Open a new card or transfer your high-interest rate balances to your credit union and receive a special 6-month introductory rate of 3.99% APR*. Rates are as low as 7.99% APR* after the first six months. Existing cardholders are already entered into our special drawing. Contact your local branch of Pathways Financial Credit Union to learn more or to apply, or visit us online at www.pathwayscu.com.

No purchase necessary. Member must have a checking account with monthly direct deposit of at least $1,000 on or before November 30, 2014 to be eligible for drawing. One entry per checking account-holder. No purchase necessary. Paper entries must be postmarked prior to 11/30/14 and mailed to Pathways Financial Credit Union, ATTN: Checking Account Promotion, 5665 N. Hamilton Rd., Columbus, OH 43230 and must contain name, address, phone number, and e-mail address (if applicable). Chances of winning are dependent upon the number of eligible entries received. Winner will be drawn at random from the number of eligible entries and notified on December 1, 2014; winner will receive one $5,000 deposit made to their share account after contact has been made. Not eligible: Employees/Board of Pathways Financial Credit Union or their immediate family members, or members with delinquent, dormant, or negative checking accounts. We reserve the right to end or extend this promotion at any time. The cash value of the prize may be considered income and will be reported on IRS Form 1099-MISC. Winner should consult a tax advisor for tax advice. Void where prohibited.

*

Benefits of our Platinum Visa credit card: n N  O annual fee n S  ame low rate for purchases and cash advances n 2  4-hour online account access n C  ard protection and insurance services available n C  URewards program lets you redeem points for airfare, hotel stays, cruises, electronics, housewares, and more.

* 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. Member must have a Pathways Platinum Visa credit card on or before December 31, 2014 to be eligible for drawing. One entry per member. No purchase necessary. Paper entries must be postmarked prior to 12/31/14 and mailed to Pathways Financial Credit Union, ATTN: Credit Card Payoff Sweepstakes, 5665 N. Hamilton Rd., Columbus, OH 43230 and must contain name, address, phone number, and e-mail address (if applicable). Chances of winning are dependent upon the number of eligible entries received. Winner will be drawn at random from the number of eligible entries received on or about January 2, 2015; We will pay off our grand prize winner’s Pathways VISA card balance as of 12/31/14 (up to a maximum of $5,000). Grand prize winner is guaranteed a minimum payment of at least $1,000. Not eligible: Employees/Board of Pathways Financial Credit Union or their immediate family members, or members with a delinquent or frozen credit card account. We reserve the right to end or extend this promotion at any time. The cash value of the prize may be considered income and will be reported on IRS Form 1099-MISC. Winner should consult a tax advisor for tax advice. Void where prohibited.

A New Look at WECU Branch Celebrate our Grand Re-Opening on Saturday, May 3

If you live near or do your banking in Marysville, you may do a double take the next time you pop into our WECU branch. That’s because we’ve completely remodeled the interior of our Marysville location! Come celebrate the new look with us at our Grand Re-Opening event on Saturday, May 3, 2014 from 9:00 a.m. to 1:00 p.m. Enjoy snacks, special offers, family fun activities, prize giveaways, branch tours, and more. Be on the lookout for a special invitation with additional details in your mailbox!

What’s the difference?

I

f the recent Target data breach has taught us anything, it’s that we as consumers must do everything we can to limit personal account information made available to cybercriminals. One easy way to keep your accounts safer is to select the “Credit” option when asked at the register.

What’s the difference? A common misconception is that choosing “Credit” means you’re paying with a credit card, and that the transaction will show up on a monthly bill. In actuality, it’s just a different way of processing your debit card transaction. Either way, the funds are deducted from your Pathways checking account. Choosing “Credit” means that the transaction goes through the MasterCard network. Choosing “Debit” processes your transaction through the ATM network and requires you to enter your Personal Identification Number (PIN) to complete the transaction.

How does “Credit” keep me safer? While choosing “Debit” is a great option if you need cash back, selecting “Credit” reduces the chance of a cyber-criminal learning your PIN. Additionally, choosing “Credit” means that you are protected under MasterCard’s Zero Liability Guarantee, meaning you won’t be held responsible for fraudulent charges made with your card. Since the transaction is purchased through the MasterCard network, you will have all of the purchase and transaction protection MasterCard provides. Plus, choosing “Credit” is always a FREE option to our members, no matter how many transactions you make.

Credit vs. Debit at the checkout...

Pathways awards scholarship Winning student Eliza Wells studying at Lee University Borrow to Give Returns Refinance your auto loan to give back to your local community

Last spring, Pathways Financial Credit Union raised over $20,000 for Central Ohio charitable organizations through our Borrow to Give program. Help us surpass this amount in 2014 as Borrow to Give kicks off on April 1! GIVING BACK IS EASY: 1. Refinance your auto loan from another financial institution to Pathways. You’ll get up to $500 cash back just for making the switch. 2. Let your loan officer know that you’d like to donate all or part of your cash back to your branch’s Borrow to Give organization: Members First (Grandview) TriVillage Mentor League Powerco (Gahanna/New Albany) Gahanna Residents in Need Powerco (1 Riverside Plaza) Operation Feed WECU (Marysville) Union County Humane Society Western (Casino District)  South-Western City Schools Education Foundation Western (Delaware) Common Ground Free Store Western (Plain City) Uptown Plain City Organization No matter if you give $1 or $400, every little bit counts! 3. Make no loan payments for 90 days and potentially lower your monthly payment with rates as low as 2.99% APR*. The best news? Borrow to Give has been extended from two months to eight months, meaning we’ll be giving back to local organizations serving our communities through the end of the year! To learn more about refinancing your car loan or Borrow to Give, contact your local branch of Pathways. Or, apply online day or night at www.pathwayscu.com. * APR = Annual Percentage Rate. Borrowers with 740+ beacon eligible for 2.74%/2.99% APR. Your interest rate and repayment terms will be based on your individual credit history and may be different from rates quoted above. For cash back offer: Minimum loan amount $3,000; you will earn 1% of the auto loan balance transferred; maximum cash back $500. You will be given the option of donating all or a portion of your cash back amount to the Borrow to Give partner organization affiliated with the branch where your loan is closed. Offer valid through 12/31/2014. We reserve the right to extend or end this promotion at any time. To obtain additional information please contact your local branch of PFCU. Existing Pathways auto loans not eligible for this offer.

P

athways Financial Credit Union is dedicated to improving the financial well-being of our members; this commitment means helping them reach important milestones such as pursuing higher education. We are proud to announce that Eliza Wells has been awarded our annual scholarship for 2014, receiving $2,500 to apply towards college expenses. All scholarship applications have been submitted to the Central Ohio Chapter of Credit Unions for the chance to receive an additional $1,000 scholarship. All COCCU scholarship winners are eligible for an additional $3,000 through the Ohio Credit Union Foundation. COCCU and OCUF will announce their scholarship recipients later this Spring. A sophomore Humanities student at Lee University in Cleveland, Tennessee, Eliza plans on entering a graduate program to earn her Masters of Library and Information Science degree. She has worked in libraries since high school and is excited to pursue a career in such a rewarding field.

Switch to FREE checking It could mean $5,000 in your pocket

O

A decision that pays off

ur Premier Checking Account doesn’t offer much…in the way of fees, that is. We believe our members have the right to a checking account option that’s free of monthly maintenance fees, minimum balance fees, minimum direct deposit fees, and the like. There has never been a better time to switch if you’re stuck” Feelionugr“bank? “fee’d up” with your checking account elsewhere. at y rry – we make All members who have a checking account on or Don’t woyour checking before November 30, 2014, will be entered into a moving t hassle-free. drawing to win $5,000 right before the holidays!* accoun bout our Ask us a itch” Benefits of FREE Premier Checking: ”EasySw Kit! n Unlimited transactions Switch n Dividends paid on average daily balances of $250 or more n Overdraft protection options n First box of checks free n Free and unlimited usage of your debit card at Pathways ATMs* n A  dded benefits when you reach age 55 - Free basic wallet-duplicate checks, free phone transfers, and 50% off our safe deposit box annual fee n A  ll of the extras that make monitoring your checking account a breeze – Online/ mobile banking, text banking, bill pay, E-alerts, E-statements, direct deposit, Debit Card RoundUP program, and $10 Grace.

Open a Pathways Platinum Rewards Visa for your chance to have your balance paid off

Don’t yet have a checking account at Pathways? Make the switch for your chance to win $5,000! All current checking account-holders are automatically entered to win. Call or visit your local branch of Pathways to learn more or to apply.

Greg Kidwell, President at Pathways Financial Credit Union, presents scholarship winner Eliza Wells with a check for $2,500 to assist with college expenses.

“I am so thankful to be receiving this scholarship from Pathways!” Eliza told us. “I appreciate this institution’s commitment to education, and I hope that they continue this program in the future. Thank you, Pathways, for investing in my future!” Congratulations, Eliza, and thank you for being a valued member-owner at Pathways Financial Credit Union. We look forward to seeing where your journey will take you!

T

here are many reasons why opening a credit card at your local credit union makes sense, but here’s one more: all members with a Pathways Platinum Rewards Visa on or before December 31, 2014, will be entered into a drawing to have your credit card balance paid off up to $5,000! Imagine how wonderful it would be to have any accrued holiday debt completely wiped away at the start of the New Year! Don’t yet have a credit card at Pathways? Open a new card or transfer your high-interest rate balances to your credit union and receive a special 6-month introductory rate of 3.99% APR*. Rates are as low as 7.99% APR* after the first six months. Existing cardholders are already entered into our special drawing. Contact your local branch of Pathways Financial Credit Union to learn more or to apply, or visit us online at www.pathwayscu.com.

No purchase necessary. Member must have a checking account with monthly direct deposit of at least $1,000 on or before November 30, 2014 to be eligible for drawing. One entry per checking account-holder. No purchase necessary. Paper entries must be postmarked prior to 11/30/14 and mailed to Pathways Financial Credit Union, ATTN: Checking Account Promotion, 5665 N. Hamilton Rd., Columbus, OH 43230 and must contain name, address, phone number, and e-mail address (if applicable). Chances of winning are dependent upon the number of eligible entries received. Winner will be drawn at random from the number of eligible entries and notified on December 1, 2014; winner will receive one $5,000 deposit made to their share account after contact has been made. Not eligible: Employees/Board of Pathways Financial Credit Union or their immediate family members, or members with delinquent, dormant, or negative checking accounts. We reserve the right to end or extend this promotion at any time. The cash value of the prize may be considered income and will be reported on IRS Form 1099-MISC. Winner should consult a tax advisor for tax advice. Void where prohibited.

*

Benefits of our Platinum Visa credit card: n N  O annual fee n S  ame low rate for purchases and cash advances n 2  4-hour online account access n C  ard protection and insurance services available n C  URewards program lets you redeem points for airfare, hotel stays, cruises, electronics, housewares, and more.

* 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. Member must have a Pathways Platinum Visa credit card on or before December 31, 2014 to be eligible for drawing. One entry per member. No purchase necessary. Paper entries must be postmarked prior to 12/31/14 and mailed to Pathways Financial Credit Union, ATTN: Credit Card Payoff Sweepstakes, 5665 N. Hamilton Rd., Columbus, OH 43230 and must contain name, address, phone number, and e-mail address (if applicable). Chances of winning are dependent upon the number of eligible entries received. Winner will be drawn at random from the number of eligible entries received on or about January 2, 2015; We will pay off our grand prize winner’s Pathways VISA card balance as of 12/31/14 (up to a maximum of $5,000). Grand prize winner is guaranteed a minimum payment of at least $1,000. Not eligible: Employees/Board of Pathways Financial Credit Union or their immediate family members, or members with a delinquent or frozen credit card account. We reserve the right to end or extend this promotion at any time. The cash value of the prize may be considered income and will be reported on IRS Form 1099-MISC. Winner should consult a tax advisor for tax advice. Void where prohibited.

A New Look at WECU Branch Celebrate our Grand Re-Opening on Saturday, May 3

If you live near or do your banking in Marysville, you may do a double take the next time you pop into our WECU branch. That’s because we’ve completely remodeled the interior of our Marysville location! Come celebrate the new look with us at our Grand Re-Opening event on Saturday, May 3, 2014 from 9:00 a.m. to 1:00 p.m. Enjoy snacks, special offers, family fun activities, prize giveaways, branch tours, and more. Be on the lookout for a special invitation with additional details in your mailbox!

What’s the difference?

I

f the recent Target data breach has taught us anything, it’s that we as consumers must do everything we can to limit personal account information made available to cybercriminals. One easy way to keep your accounts safer is to select the “Credit” option when asked at the register.

What’s the difference? A common misconception is that choosing “Credit” means you’re paying with a credit card, and that the transaction will show up on a monthly bill. In actuality, it’s just a different way of processing your debit card transaction. Either way, the funds are deducted from your Pathways checking account. Choosing “Credit” means that the transaction goes through the MasterCard network. Choosing “Debit” processes your transaction through the ATM network and requires you to enter your Personal Identification Number (PIN) to complete the transaction.

How does “Credit” keep me safer? While choosing “Debit” is a great option if you need cash back, selecting “Credit” reduces the chance of a cyber-criminal learning your PIN. Additionally, choosing “Credit” means that you are protected under MasterCard’s Zero Liability Guarantee, meaning you won’t be held responsible for fraudulent charges made with your card. Since the transaction is purchased through the MasterCard network, you will have all of the purchase and transaction protection MasterCard provides. Plus, choosing “Credit” is always a FREE option to our members, no matter how many transactions you make.

CATCH

Keep In Contact

THE

SAVE WAVE

Members First

- Grandview

A NEWSLETTER FOR OUR MEMBER/OWNERS Powerco

™ Powerco

- AEP Building (Restricted Access)

1 Riverside Plaza, Columbus, OH 43215 Phone: (614) 716-6411 • Toll-Free: 1-800-367-7485 Special Hours: Mon.-Fri. 8:30 am – 4:30 pm

Younger Members can CATCH THE $AVE WAVE in April TM

I

t’s fun in the sun for kids and teens at Pathways during the month of April! Join us as we celebrate National Credit Union Youth Week from April 20-26. The fun isn’t limited to one week only ­— younger members can CATCH THE $AVE WAVE all month long as part of the National Youth Savings Challenge.

WECU

- Marysville

121 Emmaus Rd., PO Box 426, Marysville, OH 43040 Phone: (937) 644-4746 Special Hours: Mon.-Thur.  9:00 am – 5:00 pm Friday 9:00 am – 6:00 pm

iStock/Thinkstock

TM

Here’s how members under 18 can participate: n M  ake a minimum of one deposit any time during the month of April to participate in the National Youth Savings Challenge. Ten young savers from credit unions across the country will be selected to win a $100 prize!* n M  ake a deposit at any of our seven branch locations between April 20 and April 26 and receive a special gift!**

Western

- Casino District

750 Georgesville Rd., Columbus, OH 43228 Phone: (614) 276-6589 • Toll-Free: 1-800-765-4928

© 2014 Credit Union National Association Inc.

*Prizes will be awarded by the Credit Union National Association (CUNA). Please see branch staff for details. **Limit one per member. Member must be 18 or younger and make a deposit between 4/20-4/26 in person to qualify. Offer valid while supplies last.

Thinking about buying a home? CONTINUED FROM FRONT PAGE

Our new and improved online Mortgage Center lets you: n R  eceive an online pre-approval letter in

as little as 20 minutes n V  iew rates for a variety of home loan products n V  iew current listings online n D  etermine affordability with the Mortgage Calculator n D  ownload and complete a purchase checklist n S  earch our database of preferred real estate agents

We now also offer FHA loans to help even more members realize the dream of home ownership! If you’re thinking that 2014 may be your year, reach out to any of our Mortgage Loan Officers for a free, no-obligation mortgage analysis. Gahanna/New Albany and Grandview Don Henderson, 614-416-7588 ext. 1412, [email protected] Casino District, Delaware, and Plain City Cristina Diaz, 614-276-6589 ext. 1245, [email protected] (Hablo Español) Our mortgage officers can come to the branch nearest to you, even if their main office is in a different location.

Western

- Delaware

879 West William St., Delaware, OH 43015 Phone: (740) 363-4646 • Toll-Free: 1-800-765-4928

Western

- 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]

Powerco Web: www.pathwayscu.com/powerco Email: [email protected]

WECU Web: www.pathwayscu.com/wecu Email: [email protected]

All Pathways Financial Credit Union branches will be closed for business on Memorial Day, Monday, May 26. 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.

SPRING 2014

- Gahanna/New Albany

5665 North Hamilton Rd., Columbus, OH 43230 Phone: (614) 416-7588 • Toll-Free: 1-800-367-7485

Help us celebrate National Credit Union Youth Week

If you’re in the market for a new home, Pathways has the tools and resources to make financing an easy process.

WWW.PATHWAYSCU.COM

1445 West Goodale Blvd., Columbus, OH 43212 Phone: (614) 462-6850 • Toll-Free: 1-800-743-2327

Western Web: www.pathwayscu.com/western Email: [email protected]

Proudly Made in the USA

Routing #: 244077093

Put your home to work Take advantage of our NEW Home Equity Line of Credit

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inter is (thankfully!) behind us for another year and “Home Improvement Season” is fast approaching, making now the perfect time to put your home to work for you. Secure extra funds quickly and affordably with our NEW low-rate Home Equity Line of Credit. HELOCs allow you to take advantage of the equity in your home and use the funds for whatever you need – be it a new roof or a rainy day fund. It’s your home, your funds, your choice. Features of the NEW Pathways Home Equity Line of Credit: n Rates are some of the best in the market - starting as low as 2.99% APR!* n Up to 80% LTV n Lines up to $100,000 n NO annual fee n NO closing costs n NO draw requirements n Interest-only payment option now available n E  asily access your HELOC funds in person, online, via check, OR MasterCard debit card (coming soon!) n 10-year draw period To learn more about our Home Equity options, contact your local branch of Pathways and ask to speak with a Member Service Representative. Apply in person, over the phone, or online 24/7 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 than rates quoted above. Maximum credit line of $100,000; maximum LTV of 80%. Closing cost fee will be assessed if HELOC is closed within 3 years of opening. HELOC will convert to 15- year closed-end mortgage following the 10-year draw period. This line cannot replace a first position mortgage and must be in first or second position.

A Home Equity Line of Credit can be used for virtually any expense, including paying off bills, vacations, education, and home improvements.

Thinking about buying a home? Four reasons why 2014 is your year! 4 Reasons to Buy in 2014:

DON HENDERSON SENIOR MORTGAGE LOAN OFFICER

1. Increased lending regulations. Lending changes in the Dodd-Frank Wall Street Reform and Consumer Protection Act took effect on January 10 to safeguard against future housing meltdowns. Such changes include adjustments to debt-toincome requirements, among other things. Expect to see tighter restrictions and more paperwork in the years to come.

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o say that the past few years in real estate have been tumultuous is putting it nicely. Thankfully, experts now have a clearer view of where the housing market is headed this year and beyond. 2014 is a great year if you’re considering purchasing a new home… but act fast!

DON HENDERSON SENIOR MORTGAGE LOAN OFFICER

2. Rates are on the rise. Gone are the days of historically low rates. Experts are in agreement that interest rates will only continue to rise. When it comes to cementing a low interest rate, the earlier you can act the better.

3. Home prices are increasing. Homes are affordable now, but know that prices are projected to rise this year at rates consistent with the historical average of 3-5%…or possibly higher. 4. Your purchasing power has never been higher. Reasons 1 to 3 all contribute to lower purchasing power for borrowers in the years to come. “Kicking the tires” on a home purchase will only cost you more money in the future. Know that your purchasing power will be high in 2014. CONTINUED ON BACK PAGE