The Pathways Financial Credit Union is a personal credit card from Pathways Financial Credit Union. The annual fee is $0. The ongoing APR is As low as 16.49% APR after a 0% APR intro rate on balance transfers for 12 months for new cards introductory rate for 12 months. Rewards: 1.5% back in rewards on eligible purchases; redeem for cash back, travel, gift cards, merchandise through CURewards, or deposit into an Owner Rewards Savings account.