Your savings earn more money at Pathways

Earn more on your savings

Earn more on your savings by moving it to a Pathways Certificate or Money Market account. For a limited time, you can earn even more with our Special Certificate Offers.

About Certificates (CDs)

Certificates offer a better return for your money compared to regular savings. Deposit savings for a period of four to 60 months and earn up to 4.00% APY* on your money.


  • Higher fixed rate for the duration of your certificate term
  • A range of term options, including 4, 6, 12, 24, 36, 48 and 60 months
  • Minimum deposit of just $500 for most certificates

How to Open a Pathways Share Certificate


About Money Market Accounts

Earn higher dividend rate than regular savings without the term constraints of a Share Certificate. Money Markets are perfect for expenses like college tuition where you may need to make withdrawals, but not frequently. Money Market accounts are highly-liquid deposits. You can withdraw from them at any time, usually without a penalty.


  • Write checks directly from your Money Market account
  • An safer alternative to riskier money market accounts that are tied to the stock market
  • Access your money easily while still getting a competitive rate of return

All Money Market accounts at Pathways include:

A minimum deposit of $2,500 is required to open a money market account. A balance of $2,500 must be maintained in order to earn dividends. Dividends are tiered – based on the average daily balance of the account – and credited to the account monthly.

How to Open a Pathways Money Market Account:




APY = Annual Percentage Yield. At maturity, the 30-month special will roll to a 36-month term; the 40-month special will roll to a 48-month term. 40-month special requires $10,000.00 minimum deposit. New money only for both offers. All certificate specials are for new money only. For our 4-month limited participation special, maximum participation is $2,500 and is limited to one certificate per household. The 4-month certificate will automatically roll to a 12-month term upon maturity at regular 12-month rate in place at that time. Specials are valid through 12/31/18. Pathways reserves the right to extend or end offers at any time.