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  • 0% APR intro for 12-months on balance transfers for new cards
  • No Annual Fee
  • No minimum finance charges
  • 25-day grace period for interest on purchases
  • 24-hour online account access
  • Emergency cash & card replacement

Credit Cards Rates

Account Type
Terms / Information
Pathways Cash Back Mastercard
Terms/Information: Rates as low as
APR: 12.99%
Pathways Low Rate Mastercard
Terms/Information: Rates as low as
APR: 7.99%

APR=Annual Percentage Rate. Loan approval, APR and other terms and conditions are based on credit history, income, and other information provided at point of application. The prime rate is the highest prime rate published in the “Money Rates Table” of the Wall Street Journal on the last business day of the month or quarter as defined by the product.  Prime is a variable rate; as it changes, the APR on your account will also change. 

INTRODUCTORY RATE DISCLOSURE (WHERE APPLICABLE): 0% balance transfer introductory APR is for 12 billing cycles from the date of opening a new account. After that rate adjusts to [12.99%] to [21.49%]  APR based on your creditworthiness and forementioned factors.

CASH BACK DISLOSURE (WHERE APPLICABLE): Cash back accrues at a rate of 1.5 points for every dollar spent on purchases, net of returns. Points can be redeemed for cash back at a rate of 100 points per dollar in $50 increments. Visit for additional rewards information. Points expire 3 years after being earned if not used.

Other restrictions may apply. Applicants must be members of Pathways or affiliated institutions. The advertised APR is current as of 2/24/201.  All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the credit union agreements and applicable law. See credit union representative for details.

Account Descriptions

Account Type
Additional Information
Pathways MasterCard Cash Back Rewards

Benefits of our Cash Back Rewards Mastercard include:

  • 1.5% CASH BACK for each dollar spent
  • Cash Back is deposited into your Pathways Member Rewards Savings account, which earns 10.00% APY** on the first $2,500!
  • Not into cash back? Redeem Reward Points for travel, gift cards, or merchandise!
  • NO Annual Fee
  • NO Minimum Finance Charge
  • 0% APR* Intro Rate for 12-months on Balance Transfers for new cards
  • 24-hour online account access with Online Banking!
  • FREE Credit Card Controls – Set up alerts to keep you informed of activity on your card through Online or Mobile Banking. You can even “lock” your card from use if it’s lost or stolen!
  • Credit available from $500 up to $25,000
  • Make charitable contributions to one of 5 local charities
  • 25-day grace period before interest is charged on purchases
  • Emergency cash and card replacement
  • See Additional Resources links below for current full rate disclosure.

The only things our Cash Back Rewards credit card can’t give you are tricks, hurdles to jump through, and hidden surprises.


** APY = Annual Percentage Yield. Owner Rewards Savings balances $2,500 and under will earn 10.00% APY compounded and credited quarterly; balances exceeding $2,500 will earn regular Secondary Savings APY.

* APR = Annual Percentage Rate. Please note that there is a 3.00% balance transfer fee on all balances. Your 0.00% APR for 12-months starts when your new Mastercard is opened and is in effect for the next 12 payment cycles. See disclosure documentation at the bottom of this page for further information.