Checking should be simple. You put money in. You pay for things. Some financial institutions make this difficult & costly, but not Pathfinder Federal Credit Union. Our members experience truly FREE checking – no minimum balances, no monthly service charges… we even give dividends based on your balance.
Go Green & Reduce Clutter with eStatements
Conveniently access the same information you’re used to getting via the postal service with just a few clicks on your personal computer or smartphone using our online & mobile banking systems.
Nationwide ATM Networks
Pathfinder FCU is a member of both the CO-OP ATM Network and the Accel ATM Network.
24-7 Account Access
Enroll in our online banking system & download our mobile app to gain around-the-clock access to your accounts at home or on the go. Check balances, view transactions, transfer funds, and much more at your convenience.
Mobile Check Deposit
Save a trip to a branch or ATM with Mobile Deposit via Pathfinder Federal Credit Union’s mobile banking app. Simply take a picture of each side of the check with your smartphone’s camera, verify the amount, and you’re done! Deposit multiple checks the same way and receive notifications when the funds have cleared.
Electronic Bill Pay
Why write checks and search for stamps when you can pay your bills quickly and easily online? Every Pathfinder Federal Credit Union checking account comes with free Electronic Bill Pay as part of our online banking offering.
Personal Line of Credit
Members with Pathfinder Federal Credit Union checking accounts can apply for a personal line of credit. Funds are accessible by visiting a branch or via online banking. With no fees or collateral needed, these loans are great for unexpected expenses and overdraft protection.
Your Pathfinder Federal Credit Union savings account is called a share account because it represents your “share” or ownership of the credit union. With only a minimum balance of $5.00 in this account, you are considered a member of Pathfinder Federal Credit Union with all the benefits that provides. And just like many traditional savings account, dividends are compounded and credited quarterly based on the average daily balance method.
As parents, we do our best to teach children how to make good choices that will lead to happy, healthy lives. With a High-Yield Youth Savings account at Pathfinder Federal Credit Union, children see their money grow quickly and learn the magic of compounding interest. Getting a head-start on good financial habits will help develop strong money management skills and put them on the path to lifelong financial success.
CHILDREN MUST BE UNDER 18 TO OPEN A YOUTH SAVINGS ACCOUNT, BE ACCOMPANIED BY A PARENT OR LEGAL GUARDIAN AS A JOINT-ACCOUNT OWNER, AND PROVIDE IDENTIFYING DOCUMENTS FOR MEMBERSHIP ELIGIBILITY. THE ACCOUNT BALANCE WILL BE AUTOMATICALLY TRANSFERRED TO A PRIMARY SHARE SAVINGS ACCOUNT DURING THE CALENDAR QUARTER FOLLOWING THE CHILD’S 18TH BIRTHDAY.
*HIGH YIELD IS FOR THE FIRST $1,000 TO BE DETERMINED BY THE BOARD OF DIRECTORS QUARTERLY. BALANCES OVER $1,000 CONTINUE TO EARN THE REGULAR SHARE SAVINGS RATES. CLICK HERE TO VIEW OUR CURRENT RATES.
Similar to a certificate of deposit (CDs) at other institutions, if you’re looking to earn a little more interest on your money and won’t need to access it for a set period, our Share Certificates enable you to do just that.
With a minimum balance of just $500, you’ll earn monthly dividends over terms of either 6, 12, 24 or 36 months.
Click Here for certificate rates
Individual Retirement Accounts (IRA)
Tax-advantaged Individual Retirement Accounts are a dependable way to save for your future. Pathfinder Federal Credit Union offers two types of these long-term savings accounts, commonly abbreviated IRA.
- Contributions to this type of IRA may be tax deductible in the year the contributions are made, and taxes due on the earned interest are deferred until the funds are withdrawn
- Deductibility for tax purposes depends on active participation in a qualified retirement plan and/or taxable income
- Safe investment for 401K or other retirement funds rollover
- Deposits can be made up to April 15th for the previous year
- Contributions are post-tax, and growth may be tax-free
- Contributions can be made after age 70 ½, and no withdrawals are required during the account holder’s life
- Withdrawals from a Roth IRA are tax- and penalty-free as long as the account has been open for at least five tax years and you are either over 59 ½, disabled or buying a first home
- Deposits can be made up to April 15 for the previous year
Money Market Savings
Super-charge your savings with our Money Market accounts! With qualifying balances, earn increasingly higher yields without sacrificing flexibility, including the ability to write up to three checks monthly.
The money market savings account is a tiered rate account. If your average daily balance is from $5,000-$49,999, the first dividends rate and Annual Percentage Yield listed for this account in the rate schedule will apply. If your average daily balance is from $50,000-$99,999, the second dividend rate and range of Annual Percentage Yields listed for this account will apply. If your Average Daily Balance is $100,0000 or greater, the third dividend rate and range of Annual Percentage Yield listed for this account will apply.
Once a particular range is met, the dividend rate and annual percentage range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.
Some people say that “cash is king” but there are plenty of times when the right credit card, one with low rates and fees, can be far more convenient, even rewarding. At Pathfinder Federal Credit union, we’re happy to offer a fixed rate card to our members.
Through our agreement with Allied Solutions and CUNA Mutual Group, Pathfinder Federal Credit Union can offer its members great products and rates to help protect them from the unexpected events life can throw at us. Please talk to any of our Financial Services Officers today to evaluate if any of these are right for you.
Guaranteed Asset Protection (GAP) Plus may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan, to cushion you against sudden out of pocket expenses if your vehicle is deemed a total loss. GAP Plus can help lighten the financial burden for you and the people you care about.
When was the last time you compared auto insurance? If it’s been awhile, take a few minutes and get a quote through TruStage. Working with carefully selected auto insurance companies, they’re able to offer credit union members a discounted rate for coverage that fits your needs, including online access and 24/7 claims service. Find out more and get your quote via the link below.
Credit Life & Disability
Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan payments against unexpected and covered life events could help protect more than your finances. Insure your loan payments today so you can worry a little less about tomorrow.
Accidental Death and Dismemberment (AD&D)
To help you protect the people who matter most in your life, your credit union endorses TruStage™ Accidental Death and Dismemberment (AD&D) Insurance from CMFG Life Insurance Company. AD&D pays a cash benefit in the event of a covered injury or death due to an accident. Pathfinder Federal Credit Union members can get $1000 of coverage, paid for by us, and provided by CMFG Life Insurance Company.
Mechanical Repair Coverage
For work, play, and everything in-between, you depend on your car to get you where you need to go. But doesn’t it always seem like the big, unexpected repairs become necessary, right after the factory warranty expires? With Mechanical Repair Coverage, limit the burden of those costly covered repairs and get yourself back on the road. Check out the variety of coverage and pricing options to choose the one that’s right for you. Get MRC today so you can worry a little less about tomorrow.
From our humble beginnings to the broad range of services we offer today, Pathfinder Federal Credit Union has grown to meet the specific needs of the community. Members of our not-for-profit financial cooperative enjoy FREE checking and a variety of great savings options to make the most of your hard-earned money.