Keep In Contact Members First – Grandview
www.pathwayscu.com
A NEWSLETTER FOR OUR MEMBER/OWNERS
Western – Delaware 879 West William St., Delaware, OH 43015 Phone: (740) 363-4646 • Toll-Free: 1-800-765-4928 Routing #: 244078021 Western – Plain City 490 South Jefferson Ave., Plain City, OH 43064 Phone: (614) 873-6652 • Toll-Free: 1-800-765-4928 Routing #: 244078021 Office 8:30 am – 5:00 pm 8:30 am – 6:00 pm 9:00 am – Noon
Trademarks are the property of their respective owners and are displayed only as samples of rewards. Pathways Financial Credit Union is not affiliated with the owners of these trademarks.
APR*
WITH NO CLOSING COSTS!
When You Borrow, We Give. To you and to your local community
S
pring is fast approaching, which means our Borrow to Give campaign is in full bloom! From April 1 – May 31, we’re adding an additional 1% cash back offer on our auto loans that will directly benefit local charitable organizations. For example, if you close a $30,000 auto loan at our Western branch in Plain City, we’ll give you $300 cash back and donate $300 to the Uptown Plain City Organization! This winter, each branch nominated several charities as recipient candidates of our Borrow to Give funds. We called on you, our member-owners, to vote for your top picks – after all, you call the shots at your credit union. Several thousand votes later, we are pleased to announce your winning organizations: TriVillage Mentor League.........................Members First branch Gahanna Residents In Need (GRIN).....Powerco branch Common Ground Free Store...................Western branch (Delaware) South-Western City Schools Educational Foundation...........................Western branch (Columbus) Uptown Plain City Organization...........Western branch (Plain City)
Drive-Thru 8:00 am – 5:00 pm 8:00 am – 6:00 pm 9:00 am – Noon
Web: www.pathwayscu.com/members-first Email:
[email protected]
Whichever Pathways branch you choose to close your auto loan at will determine where our Borrow to Give funds go. With rates as low as 2.74% APR* and no payments for 90 days, getting an auto loan at Pathways or refinancing your current loan from another financial institution could make your spring even greener. Even better? You play an important role in contributing to a local organization dedicated to bettering your community.
Powerco
Apply Today!
(614) 278-6152 • Toll-Free: 1-800-765-4237
Online Information
Members First
Web: www.pathwayscu.com/powerco Email:
[email protected]
Western Web: www.pathwayscu.com/western Email:
[email protected]
30
750 Georgesville Rd., Columbus, OH 43228 Phone: (614) 276-6589 • Toll-Free: 1-800-765-4928 Routing #: 244078021
ril
Western – Columbus
Ap
1 Riverside Plaza, Columbus, OH 43215 Phone: (614) 716-6411 • Toll-Free: 1-800-367-7485 Routing #: 244077093 Hours Office Mon.-Fri. 8:30 am – 4:30 pm
CU*Talk Telephone Banking
*MyPath accountholders are eligible for one stamp per business day with the exception of Double Stamps. Direct deposits from other accounts do not qualify for rewards stamps. Deposits must be made in person or come direct deposit from the teen member’s employer – subject to approval by credit union. Approved new services include It’s Me 247 Online Banking, Share Certificate, Money Market, E-statements, or “Liking” us on Facebook. Facebook stamp restricted to one Pathways page.
2.99%
REFINANCE FOR AS LOW AS
• No payments for 90 days • 1% of the total loan amount back to you in cash ** • 1% donation to local charity
Powerco – AEP Building (Restricted Access)
Hours Mon.-Thur. Friday Saturday
You’ll see the rewards come even faster when you sign up for any product or service eligible for Double Stamps, including It’s Me 247 Online Banking, E-statements, and liking one of our Facebook pages. Want to learn more about MyPath teen accounts? Call or visit a Member Service Representative at any branch of Pathways Financial Credit Union, or visit www.pathwayscu.com.
Move Your Mortgage.
APR*
ds
W
e know that teens have their own unique path to achieving financial freedom. Teens have important savings goals, too — the perfect prom dress, a first car, books for the first semester of college, and many more. Our new MyPath savings accounts designed just for teens will help empower them to seek independence in achieving their own financial goals. Our MyPath teen account is specially designed for teens 13-17 and rewards them for saving money! Reaping the rewards is easy — just make a deposit of $20 or more* and earn one stamp on your Path Perks card. Collect 10 stamps to earn a $20 gift card of your choice to one of the following stores and restaurants:
Save Money.
2.74%
5665 North Hamilton Rd., Columbus, OH 43230 Phone: (614) 416-7588 • Toll-Free: 1-800-367-7485 Routing #: 244077093 Hours Office 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
en
Earn & spend rewards with MyPath Teen Accounts
SPRING 2013
AUTO LOANS AS LOW
Powerco – Gahanna
Reward Your Teens for Saving
r fe of
1445 West Goodale Blvd., Columbus, OH 43212 Phone: (614) 462-6850 • Toll-Free: 1-800-743-2327 Routing #: 244077022 Hours Office 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
Stop by or call your local branch of Pathways Financial Credit Union to speak with one of our loan officers about Borrow to Give. Or, apply online 24/7 by visiting www.pathwayscu.com. For promotional rate: APR example based on $20,000 loan amount over 60 months at $358.73 per month; first payment due in 90 days. APR includes $100 document prep fee. Minimum 740 credit score for 2.74% rate, 700-739 for 3.24% rate. All loans: must be closed on-site at Pathways Financial CU branch locations, existing Pathways loans not eligible, all loans subject to credit approval with qualified collateral. **For cash back offer: Minimum loan amount $5000, maximum cash back $400; interest rate and approval subject to credit worthiness.
*
M
oving is stressful, plain and simple. But moving your mortgage doesn’t have to be. In fact, when you save thousands of dollars in interest, it may be one of the easiest decisions you’ll ever make! At Pathways, our products and services are designed to fit the unique financial needs of our members. The 12-year mortgage is tailored to those homeowners looking to refinance their mortgage and take advantage of historically low rates, without the hassle of a long-term loan with high closing costs. Moving your mortgage to Pathways can save you thousands of dollars in interest and allow you to pay off your mortgage sooner. Best of all? Keeping your loan local allows for fast decisionmaking. Your loan can be closed and funded in as little as three weeks! Pathways Financial Credit Union will never sell this loan to another financial institution, giving you the added convenience and peace of mind that comes with every loan that Pathways provides. Unpacking boxes? That’s a pain. Refinancing your mortgage shouldn’t be. To apply, call or visit one of our friendly mortgage loan officers today or apply online at www.pathwayscu.com.
* APR = Annual Percentage Rate. Fixed 12 year mortgage interest rate assumes a $100,000 loan amount for qualified buyers with a maximum LTV of 80%. Minimum loan amount of $30,000, minimum credit score of 700. Minimum credit score to qualify for 2.99% APR offer is 740. Rate effective Feb. 8, 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. Offer ends April 30, 2013.
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EZ Account Access is at your fingertips
Go Green to Get Green
$$ $
O
Signing up for E-statements could put an extra $250 in your pocket
S
igning up for secure online E-statements can help in eliminating unnecessary paper waste while also giving you instant access previous account statements. Did you know it can also put some extra green in your pocket? If you are enrolled in E-statements by May 31 we’ll automatically enter your name to win $250. Enjoy the convenience of getting your statements without the wait — it could mean an additional $250 in your account! To register, just visit www.pathwayscu.com and click the It’s Me 247 Online Banking button in the upper right-hand corner. Log in and click the “E-statements” tab at the top. You may also have a Member Service Representative enroll you by calling or stopping by any branch of Pathways Financial Credit Union. The winner will be announced June 15.
* Sweepstakes runs from March 31 – May 31 and is open to all new and current E-statement users. No purchase 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 June 1, 2013. Winner will be notified by phone 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 $250 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 1099MISC. Consult your tax advisor for tax advice. Accessing E-statements requires the member to have free access to It’s Me 247 Online Banking. Federally Insured by NCUA.
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I
f you’ve had a checking account with a bank before, you’re sure to have seen these less-than-appealing terms hidden in the fine print of your paperwork: “Monthly service fee of $7.00 if account balance is below $2,000... $12.00 monthly service fee unless direct deposit of at least $500... $8.95 monthly fee unless statements are paperless and deposits/withdrawals are done online or by ATM.” At Pathways, we believe that a hassle-free checking account isn’t just a perk, it’s a right. We strive to find ways to save you money, and are proud to offer members a FREE checking account that comes with everything but hidden fees and service charges.
Open a Premier Checking Account at Pathways and receive the following benefits: n Unlimited transactions n Free Pathways debit card n Free first box of checks n Online banking and bill pay n Mobile and text banking n Account E-alerts n Text alerts n Direct deposit n F ree and unlimited usage at Pathways ATMs* As an additional perk, the Pathways Debit Card RoundUp program rounds debit card transactions to the nearest dollar and puts the difference in your share account! Don’t put up with unnecessary fees and service charges. Open a checking account at Pathways and enjoy our many
Free
checking benefits without any cost to you. Call or visit any branch of Pathways Financial Credit Union to open your free checking account today! n
*ATM fees may apply at non-Pathways owned ATM machines; Pathways is a member of Alliance One providing a network of over 4700 surcharge-free ATM’s across the county.
Check your account 24/7 on your smart phone!
ver 50% of mobile phone users have a smart phone, and rely on them daily for getting driving directions, surfing the web, uploading pictures, and more. JSYK, you can also use your smart phone for aroundthe-clock access to your Pathways accounts. It’s Me 247 Mobile Banking lets you receive account information quickly and conveniently. You can: n Check account balances n Transfer funds between accounts n Review account history n View pending transactions n Receive account alerts To add It’s Me 247 to your smart phone or tablet, simply open your web browser and go to www.pathwayscu. com. Click the “Mobile Banking” option, which will direct you to It’s Me 247.
Safe deposit boxes offer peace of mind
Protect your belongings from loss, theft, and damage
W
here do you currently store your most important documents and possessions – for example, the deed for your property, wills, loan and insurance documents, or family heirlooms? All of the above are too important to store in your home without protection. Safe deposit boxes at Pathways Financial Credit Union are specifically designed to protect your documents and assets from loss, theft, or damage for a small annual fee. Safe deposit boxes can be rented at our Western branch locations in Columbus, Delaware, and Plain City, and our Powerco branch on Hamilton Road in Columbus. When you choose any of our four safe deposit box sizes, we’ll conveniently deduct your rental fee from your Pathways account annually.
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Small Box (3” x 5” x 24”) Medium Box (3” x 10” x 24”) Large Box (5” x 10” x 24”) Extra Large Box (10” x 10” x 24”)
$20/yr plus tax $40/yr plus tax $60/yr plus tax $80/yr plus tax
All safe deposit boxes are subject to availability. You can access yours anytime during standard lobby hours for peace of mind for your most prized possessions and important documents.
Add this page to your home screen and access your account day or night!
WE TXT 2! Text banking is a great option for account information on the go. And it’s completely free! To add this service, simply enroll in text banking when you are logged into It’s Me 247 from any computer. Text the following codes to IM247 (46247) to receive account information: BAL – Balance for all accounts BAL{nick} – Balance for up to three accounts that you have nicknamed with online banking BAL {#} – Balance for a specific amount BAL{nick}{#} – Balance for a specific membership and account combination HELP – The member service number
Savings Adventures! Kids earn cool prizes in our Zoogles Savings Club
S
aving money is a habit that’s best started early. Unfortunately, we all know that spending money is a lot more fun to do. Members of our Zoogles Savings Club get the best of both worlds! Designed for kids 0-12, Zoogles teaches the importance of saving money by rewarding young members for their progress with fun prizes. Zoogles Savings Club members earn one ZooBuck with each deposit of $1 or more*, and double ZooBucks with each deposit if they are enrolled in E-statements. Collect ZooBucks and redeem them for zoo animal hats, monkey bags, stuffed tigers, and other great zoo-themed prizes. Kids also receive their very own membership card, and a Zoogles Money Book to help them monitor their saving and spending habits! Open a Zoogles account today and receive a special gift bag full of goodies. Call or visit a Member Service Representative at any of our Pathways branches for more information. *ZooBucks limited to one ZooBuck per business day.
n Wi
$
$
$
!
0 25
$
$
$
$
$ $
$
$
EZ Account Access is at your fingertips
Go Green to Get Green
$$ $
O
Signing up for E-statements could put an extra $250 in your pocket
S
igning up for secure online E-statements can help in eliminating unnecessary paper waste while also giving you instant access previous account statements. Did you know it can also put some extra green in your pocket? If you are enrolled in E-statements by May 31 we’ll automatically enter your name to win $250. Enjoy the convenience of getting your statements without the wait — it could mean an additional $250 in your account! To register, just visit www.pathwayscu.com and click the It’s Me 247 Online Banking button in the upper right-hand corner. Log in and click the “E-statements” tab at the top. You may also have a Member Service Representative enroll you by calling or stopping by any branch of Pathways Financial Credit Union. The winner will be announced June 15.
* Sweepstakes runs from March 31 – May 31 and is open to all new and current E-statement users. No purchase 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 June 1, 2013. Winner will be notified by phone 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 $250 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 1099MISC. Consult your tax advisor for tax advice. Accessing E-statements requires the member to have free access to It’s Me 247 Online Banking. Federally Insured by NCUA.
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I
f you’ve had a checking account with a bank before, you’re sure to have seen these less-than-appealing terms hidden in the fine print of your paperwork: “Monthly service fee of $7.00 if account balance is below $2,000... $12.00 monthly service fee unless direct deposit of at least $500... $8.95 monthly fee unless statements are paperless and deposits/withdrawals are done online or by ATM.” At Pathways, we believe that a hassle-free checking account isn’t just a perk, it’s a right. We strive to find ways to save you money, and are proud to offer members a FREE checking account that comes with everything but hidden fees and service charges.
Open a Premier Checking Account at Pathways and receive the following benefits: n Unlimited transactions n Free Pathways debit card n Free first box of checks n Online banking and bill pay n Mobile and text banking n Account E-alerts n Text alerts n Direct deposit n F ree and unlimited usage at Pathways ATMs* As an additional perk, the Pathways Debit Card RoundUp program rounds debit card transactions to the nearest dollar and puts the difference in your share account! Don’t put up with unnecessary fees and service charges. Open a checking account at Pathways and enjoy our many
Free
checking benefits without any cost to you. Call or visit any branch of Pathways Financial Credit Union to open your free checking account today! n
*ATM fees may apply at non-Pathways owned ATM machines; Pathways is a member of Alliance One providing a network of over 4700 surcharge-free ATM’s across the county.
Check your account 24/7 on your smart phone!
ver 50% of mobile phone users have a smart phone, and rely on them daily for getting driving directions, surfing the web, uploading pictures, and more. JSYK, you can also use your smart phone for aroundthe-clock access to your Pathways accounts. It’s Me 247 Mobile Banking lets you receive account information quickly and conveniently. You can: n Check account balances n Transfer funds between accounts n Review account history n View pending transactions n Receive account alerts To add It’s Me 247 to your smart phone or tablet, simply open your web browser and go to www.pathwayscu. com. Click the “Mobile Banking” option, which will direct you to It’s Me 247.
Safe deposit boxes offer peace of mind
Protect your belongings from loss, theft, and damage
W
here do you currently store your most important documents and possessions – for example, the deed for your property, wills, loan and insurance documents, or family heirlooms? All of the above are too important to store in your home without protection. Safe deposit boxes at Pathways Financial Credit Union are specifically designed to protect your documents and assets from loss, theft, or damage for a small annual fee. Safe deposit boxes can be rented at our Western branch locations in Columbus, Delaware, and Plain City, and our Powerco branch on Hamilton Road in Columbus. When you choose any of our four safe deposit box sizes, we’ll conveniently deduct your rental fee from your Pathways account annually.
n n n n
Small Box (3” x 5” x 24”) Medium Box (3” x 10” x 24”) Large Box (5” x 10” x 24”) Extra Large Box (10” x 10” x 24”)
$20/yr plus tax $40/yr plus tax $60/yr plus tax $80/yr plus tax
All safe deposit boxes are subject to availability. You can access yours anytime during standard lobby hours for peace of mind for your most prized possessions and important documents.
Add this page to your home screen and access your account day or night!
WE TXT 2! Text banking is a great option for account information on the go. And it’s completely free! To add this service, simply enroll in text banking when you are logged into It’s Me 247 from any computer. Text the following codes to IM247 (46247) to receive account information: BAL – Balance for all accounts BAL{nick} – Balance for up to three accounts that you have nicknamed with online banking BAL {#} – Balance for a specific amount BAL{nick}{#} – Balance for a specific membership and account combination HELP – The member service number
Savings Adventures! Kids earn cool prizes in our Zoogles Savings Club
S
aving money is a habit that’s best started early. Unfortunately, we all know that spending money is a lot more fun to do. Members of our Zoogles Savings Club get the best of both worlds! Designed for kids 0-12, Zoogles teaches the importance of saving money by rewarding young members for their progress with fun prizes. Zoogles Savings Club members earn one ZooBuck with each deposit of $1 or more*, and double ZooBucks with each deposit if they are enrolled in E-statements. Collect ZooBucks and redeem them for zoo animal hats, monkey bags, stuffed tigers, and other great zoo-themed prizes. Kids also receive their very own membership card, and a Zoogles Money Book to help them monitor their saving and spending habits! Open a Zoogles account today and receive a special gift bag full of goodies. Call or visit a Member Service Representative at any of our Pathways branches for more information. *ZooBucks limited to one ZooBuck per business day.
Keep In Contact Members First – Grandview
www.pathwayscu.com
A NEWSLETTER FOR OUR MEMBER/OWNERS
Western – Delaware 879 West William St., Delaware, OH 43015 Phone: (740) 363-4646 • Toll-Free: 1-800-765-4928 Routing #: 244078021 Western – Plain City 490 South Jefferson Ave., Plain City, OH 43064 Phone: (614) 873-6652 • Toll-Free: 1-800-765-4928 Routing #: 244078021 Office 8:30 am – 5:00 pm 8:30 am – 6:00 pm 9:00 am – Noon
Trademarks are the property of their respective owners and are displayed only as samples of rewards. Pathways Financial Credit Union is not affiliated with the owners of these trademarks.
APR*
WITH NO CLOSING COSTS!
When You Borrow, We Give. To you and to your local community
S
pring is fast approaching, which means our Borrow to Give campaign is in full bloom! From April 1 – May 31, we’re adding an additional 1% cash back offer on our auto loans that will directly benefit local charitable organizations. For example, if you close a $30,000 auto loan at our Western branch in Plain City, we’ll give you $300 cash back and donate $300 to the Uptown Plain City Organization! This winter, each branch nominated several charities as recipient candidates of our Borrow to Give funds. We called on you, our member-owners, to vote for your top picks – after all, you call the shots at your credit union. Several thousand votes later, we are pleased to announce your winning organizations: TriVillage Mentor League.........................Members First branch Gahanna Residents In Need (GRIN).....Powerco branch Common Ground Free Store...................Western branch (Delaware) South-Western City Schools Educational Foundation...........................Western branch (Columbus) Uptown Plain City Organization...........Western branch (Plain City)
Drive-Thru 8:00 am – 5:00 pm 8:00 am – 6:00 pm 9:00 am – Noon
Web: www.pathwayscu.com/members-first Email:
[email protected]
Whichever Pathways branch you choose to close your auto loan at will determine where our Borrow to Give funds go. With rates as low as 2.74% APR* and no payments for 90 days, getting an auto loan at Pathways or refinancing your current loan from another financial institution could make your spring even greener. Even better? You play an important role in contributing to a local organization dedicated to bettering your community.
Powerco
Apply Today!
(614) 278-6152 • Toll-Free: 1-800-765-4237
Online Information
Members First
Web: www.pathwayscu.com/powerco Email:
[email protected]
Western Web: www.pathwayscu.com/western Email:
[email protected]
30
750 Georgesville Rd., Columbus, OH 43228 Phone: (614) 276-6589 • Toll-Free: 1-800-765-4928 Routing #: 244078021
ril
Western – Columbus
Ap
1 Riverside Plaza, Columbus, OH 43215 Phone: (614) 716-6411 • Toll-Free: 1-800-367-7485 Routing #: 244077093 Hours Office Mon.-Fri. 8:30 am – 4:30 pm
CU*Talk Telephone Banking
*MyPath accountholders are eligible for one stamp per business day with the exception of Double Stamps. Direct deposits from other accounts do not qualify for rewards stamps. Deposits must be made in person or come direct deposit from the teen member’s employer – subject to approval by credit union. Approved new services include It’s Me 247 Online Banking, Share Certificate, Money Market, E-statements, or “Liking” us on Facebook. Facebook stamp restricted to one Pathways page.
2.99%
REFINANCE FOR AS LOW AS
• No payments for 90 days • 1% of the total loan amount back to you in cash ** • 1% donation to local charity
Powerco – AEP Building (Restricted Access)
Hours Mon.-Thur. Friday Saturday
You’ll see the rewards come even faster when you sign up for any product or service eligible for Double Stamps, including It’s Me 247 Online Banking, E-statements, and liking one of our Facebook pages. Want to learn more about MyPath teen accounts? Call or visit a Member Service Representative at any branch of Pathways Financial Credit Union, or visit www.pathwayscu.com.
Move Your Mortgage.
APR*
ds
W
e know that teens have their own unique path to achieving financial freedom. Teens have important savings goals, too — the perfect prom dress, a first car, books for the first semester of college, and many more. Our new MyPath savings accounts designed just for teens will help empower them to seek independence in achieving their own financial goals. Our MyPath teen account is specially designed for teens 13-17 and rewards them for saving money! Reaping the rewards is easy — just make a deposit of $20 or more* and earn one stamp on your Path Perks card. Collect 10 stamps to earn a $20 gift card of your choice to one of the following stores and restaurants:
Save Money.
2.74%
5665 North Hamilton Rd., Columbus, OH 43230 Phone: (614) 416-7588 • Toll-Free: 1-800-367-7485 Routing #: 244077093 Hours Office 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
en
Earn & spend rewards with MyPath Teen Accounts
SPRING 2013
AUTO LOANS AS LOW
Powerco – Gahanna
Reward Your Teens for Saving
r fe of
1445 West Goodale Blvd., Columbus, OH 43212 Phone: (614) 462-6850 • Toll-Free: 1-800-743-2327 Routing #: 244077022 Hours Office 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
Stop by or call your local branch of Pathways Financial Credit Union to speak with one of our loan officers about Borrow to Give. Or, apply online 24/7 by visiting www.pathwayscu.com. For promotional rate: APR example based on $20,000 loan amount over 60 months at $358.73 per month; first payment due in 90 days. APR includes $100 document prep fee. Minimum 740 credit score for 2.74% rate, 700-739 for 3.24% rate. All loans: must be closed on-site at Pathways Financial CU branch locations, existing Pathways loans not eligible, all loans subject to credit approval with qualified collateral. **For cash back offer: Minimum loan amount $5000, maximum cash back $400; interest rate and approval subject to credit worthiness.
*
M
oving is stressful, plain and simple. But moving your mortgage doesn’t have to be. In fact, when you save thousands of dollars in interest, it may be one of the easiest decisions you’ll ever make! At Pathways, our products and services are designed to fit the unique financial needs of our members. The 12-year mortgage is tailored to those homeowners looking to refinance their mortgage and take advantage of historically low rates, without the hassle of a long-term loan with high closing costs. Moving your mortgage to Pathways can save you thousands of dollars in interest and allow you to pay off your mortgage sooner. Best of all? Keeping your loan local allows for fast decisionmaking. Your loan can be closed and funded in as little as three weeks! Pathways Financial Credit Union will never sell this loan to another financial institution, giving you the added convenience and peace of mind that comes with every loan that Pathways provides. Unpacking boxes? That’s a pain. Refinancing your mortgage shouldn’t be. To apply, call or visit one of our friendly mortgage loan officers today or apply online at www.pathwayscu.com.
* APR = Annual Percentage Rate. Fixed 12 year mortgage interest rate assumes a $100,000 loan amount for qualified buyers with a maximum LTV of 80%. Minimum loan amount of $30,000, minimum credit score of 700. Minimum credit score to qualify for 2.99% APR offer is 740. Rate effective Feb. 8, 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. Offer ends April 30, 2013.
