P

Pathways Financial Credit Union

Best ForActive Investors & Savers
FeesNone ($0 Maintenance)

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 TypeThis ProviderIndustry AverageVerdict
Monthly Maintenance*$0.00$0.69EXCELLENT
Account Opening$5.00$1.88ABOVE AVG
Account Closing$0.00$1.95EXCELLENT
U.S. mailed statements$2.00N/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.

StocksETFsMutual FundsCDs

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 RangeAPY
$250 - $2,5000.25%
$2,500 - $10,0000.50%
$10,000 - $25,0000.75%
$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

Monthly Fee$0
Investment Threshold$0
Interest Rate (Cash)~1.00%
Debit CardIncluded
FDIC InsuredYes

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

--
NegativeNeutralPositive

Sentiment data coming soon

Compare with Related Providers

E

Equity Bank

Equity Bank, a division of Equity Bancshares, Inc., offers healthcare payment solutions including custodial and administration services for health savings accounts (HSAs), flexible spending accounts (FSAs), and Health Reimbursement Arrangements (HRAs) to employers and consumers. Equity Bank offers a full range of financial solutions, including commercial loans, consumer banking, and treasury management services. Headquartered in Wichita, Kansas and having approximately $5 billion in assets, Equity Bank provides an enhanced banking experience for customers through a suite of sophisticated banking products and services tailored to their needs, while delivering the high-quality, relationship-based customer services of a community bank. These foundational elements position Equity Bank perfectly to provide businesses and individuals with robust and integrated consumer-directed healthcare multi-account payment and administration solutions.

Read Review →
A

Avidia Bank | HSA Search

Avidia Health is an HSA marketplace leader, offering a No Fee product that combines services traditionally seen in big-bank financial services with the personal attention provided by smaller financial institutions. Headquartered in Massachusetts, Avidia is an FDIC insured bank with accounts in all 50 states and over one billion dollars in assets and accounts. Avidia offers private label banking and affinity programs, employing a partnership approach to creating HSA solutions with clients’ needs in mind. Avidia Bank has made a significant commitment to provide outstanding service along with the products that will help our customers invest and save for their future. Health Savings Accounts from Avidia Bank can be the key to protecting yourself and your family. A Health Savings Account from Avidia Bank is easy to open and easy to manage. And with Internet Banking and Bill Pay, our customers are in total and secure control at all times.

Read Review →
N

NBT Bank

NBT Bank is an independent, community bank based in Norwich, N.Y. We trace our roots back to 1856 when a group of business leaders in Norwich saw a need for additional banking resources in the community and came together to form a bank. We have a proud heritage of building long-term financial relationships with individuals, businesses and organizations, agricultural operations and local governments.

Read Review →