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Pathways Financial Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Great creditmedian 12.20%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 13.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Poor creditmedian 15.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
No credit scoremedian 15.80%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants11.49%–18.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for cash advances
Great creditmedian 12.20%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Good creditmedian 13.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Poor creditmedian 15.50%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
No credit scoremedian 15.80%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
All applicants11.49%–18.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases25 days from the close of each billing cycle—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Transaction fees
Cash advance2% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Balance transfer$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Foreign transaction1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty fees
First late fee$27Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Returned payment—
Other fees
Returned Check Charge$32, When a payment by check is returned.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionsMust live, work, worship or attend school in an identified covered area.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionsMust meet one of the professional memberships associated with Pathways Financial Credit Union.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website