Pathways Financial Credit Union
Quick Summary
- Ohio credit union
- Investment options
- NCUA insured
The Verdict
Pathways Financial Credit Union provides essential HSA features with zero monthly maintenance fees and self-directed brokerage access, mutual fund investing, CD options, earning a 2.3/5.0 rating from HSA Orbit.
Pathways Financial Credit Union is a not-for-profit financial cooperative operated for the benefit of our members. Instead of maximizing profits to pay company stockholders, we invest our resources to deliver lower loan rates, higher deposit rates, and outstanding service. It’s like a bank you own — with the privileges of membership.
We are one of the largest credit union HSA providers in Ohio and offer outstanding market-leading rates along with a robust selection of mutual funds. All with no monthly fees.
Currently we are serving all who live or work in central Ohio (Franklin and contiguous counties).
Key Features
Banking & Access
Includes debit card and check-writing.
Investment Options
Offers self-directed brokerage, mutual fund investing and CDs.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. $5.00 opening fee.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance* | $0.00 | $0.69 | EXCELLENT |
| Account Opening | $5.00 | $1.88 | ABOVE AVG |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
| U.S. mailed statements | $2.00 | N/A | -- |
* No monthly fee
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Brokerage Access
Pathways Financial Credit Union provides a self-directed brokerage window for investing your HSA funds in the broader market.
Mutual Fund Investing
Access mutual fund investments through your HSA with Pathways Financial Credit Union.
- Minimum ThresholdNo minimum
- FeesmyHSA Investments (Devenir): no-load or load-waived mutual funds; no minimum
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $250 - $2,500 | 0.25% |
| $2,500 - $10,000 | 0.50% |
| $10,000 - $25,000 | 0.75% |
| $25,000+ | 1.00% |
Last updated: 06-12-2025
Contact Information
Address
5665 North Hamilton Road Columbus, OH 43230 Customer Service Mailing Address 5665 North Hamilton Road Columbus, OH 43230
Customer Service
(800) 367-7485
5665 North Hamilton Road Columbus, OH 43230 Customer Service Mailing Address 5665 North Hamilton Road Columbus, OH 43230
At a Glance
Pros & Cons
The Good
- •No monthly maintenance fees
- •Self-directed brokerage access
- •Invest from the first dollar
- •FDIC/NCUA insured deposits
The Bad
- •No online banking
User Sentiment
Based on community feedback
Sentiment data coming soon
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