Saturday, September 26, 2015

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See on Back: GRAND RE-OPENING SPECIAL OFFERS!

COME CELEBRATE

Our New Branch!

Saturday, September 26, 2015

9:00 AM - 1:00 PM Instant Cash Prizes • Food Trucks • Family Fun • Branch Tours • More!

750 Georgesville Rd. Columbus, OH 43228 www.pathwayscu.com | 614-276-6589

SPECIALOffers! SmartPath 5/5 ARM

POWER EQUITY LINE OF CREDIT

2.99

%

• One of the lowest rates in the market • No closing costs, annual fee, or miniumum balance • Interest-only payment option available

PLATINUM VISA REWARDS CARD

1.99

%

FOR 12 MONTHS

• No annual fee or balance transfer fee • Shopping and travel rewards through CURewards • Rates as low as 7.99 % APR* after 12-months

• Other 15 and 30-year products available for new purchases and refinances • All Mortgage Loan Officers 5-star rated on Zillow.com

GRAND RE-OPENING CERTIFICATE OFFER

$1,000 CASH

4.00

• Use your cash to pay for upcoming holiday expenses! • PLUS: NO PAYMENTS FOR 90 DAYS

when you open a new Premier Checking Account with direct deposit.

• FREE checking account product • 24/7 account monitoring tools • Sign up for Debit Card RoundUp and save every time you swipe your card!

2.75/2.99

%

TRANSFER YOUR AUTO LOAN AND EARN UP TO

EARN

$100 CASH

as l ow as

4-MONTH CERTIFICATE EARNS

%

LIMITED PARTICIPATION* CERTIFICATE

SAVE HUNDREDS OF DOLLARS WITH A

COMPLIMENTARY FINANCIAL PLAN • Receive a complimentary financial plan when you meet with Pathways financial advisor Dennis Patton. • Act soon - appointments fill quickly!

COUPON DETAILS *APR = Annual Percentage Rate. *APY = Annual Percentage Yield. All offers valid through November 30, 2015. Rates listed are effective as of September 1, 2015 and are subject to change without notice. HELOC SPECIAL - 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 year mortgage and must be in first or second position. MORTGAGE SPECIAL - 2.75% advertised rate for SmartPath 5/5 ARM product. Your interest rate and repayment terms will be based on your individual credit history, property values, and other qualifying factors and may be different than rates quoted above. Credit score of 740+ required for 2.75% rate. All rates are effective September 1, 2015 and are subject to change. Interest rate fixed for the first five years at 2.75% with an APR of 2.99%. Example: a 5/5 ARM, 30-year SmartPath mortgage, 0 points. A $150,000 mortgage will be paid in 360 monthly installments of $612.36 during the first 60 months. Based on the current index and margin, the payment would adjust to $620.55 for the next 60 month period with subsequent rate adjustments occurring every 60 months. Initial discount rate reflects a reduction in effective rate until the first adjustment after year 5 to the one-year Treasury constant maturity as published in the Wall Street Journal, presently 0.24% plus a margin of 2.75%. Interest rate available for loan amounts between $50,000 and $417,000. APR reflects 85% LTV based on appraisal. Rate caps are a maximum 2% adjustment every 5 years and a maximum 6% increase over the life of the loan. Other mortgage products available, please contact PFCU for details. Zillow and its ‘Z in a House’ logo are trademarks and/or registered trademarks of Zillow, Inc. CREDIT CARD SPECIAL - Credit applications are subject to credit approval. Your interest rate and repayment terms will be based on your individual credit history and may be different from rates quoted above. Minimum credit score of 640 required to qualify for 1.99% introductory APR. Not applicable to current Pathways credit card holders. AUTO REFINANCE SPECIAL - For cash back offer: Minimum loan amount $3,000; you will earn 1% of the auto loan balance transferred; maximum cash back $1,000. Existing Pathways auto loans not eligible for this offer. Transferred loans that are paid off within the first six months of refinancing subject to an early payment fee. $100 CHECKING ACCOUNT SPECIAL - Offer must be mentioned or presented at time of application. Offer not valid if signer has signing authority on an existing PFCU consumer checking account or has closed an account within the past 90 days. If multiple accounts are opened with the same signers, only one account will be eligible for the cash bonus. Your $100 bonus for checking account will be deposited after the checking account has been open for six months. The value of the bonus may be reported on IRS Form 1099 and may be considered taxable income to you; please consult a tax advisor regarding your specific situation. Member must have monthly qualifying direct deposit of at least $1,000. Qualifying direct deposit is defined as a recurring direct deposit of a paycheck, pension, Social Security, or other regular monthly income electronically deposited by an employer or an outside agency into the checking account. LIMITED PARTICIPATION CD SPECIAL - Maximum participation is $1,000 and is limited to one certificate per member household. Certificate will automatically roll to a 12-month term upon maturation at regular 12-month interest rate. COMPLIMENTARY FINANCIAL PLAN SPECIAL - Financial Plan Offer: Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NUCA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Pathways Financial Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. *For specific tax advice, please consult a qualified tax professional.