Pathwise Credit Union

WOWA® Simply Know Your Options

This Page's Content Was Last Updated: July 21, 2026

Important Information

WOWA.ca provides independent reviews using publicly available data and is not affiliated with Pathwise Credit Union.

Shopping for financial products in Ontario? This 2026 Pathwise Credit Union overview evaluates its latest rates and account features against major Canadian banks and regional credit unions. Select a topic below to inspect specific rates and data:

Compare Pathwise Credit Union Mortgage Rates — 1- to 5-year fixed and variable terms.
Inspect GIC & Savings Rates — Non-registered, TFSA, and RRSP yields backed by FSRA (DIRF).
Financial Overview & Asset Rank — Key performance data for Pathwise Credit Union (ranked #66 in Canada with $547 million in assets).
Branch Network & Accounts — Account options and local branch access.

Credit Union

Pathwise

Pathwise Credit Union is a credit union located in Ontario. It was founded in 1938. It primarily serves Durham Region.

Pathwise Credit Union was founded on April 2, 1938, in Oshawa, Ontario, originally as Auto Workers Credit Union. It was created to serve General Motors employees and reflected the automotive and industrial history of Oshawa and Durham Region.

Over the following decades, the credit union expanded beyond its original workplace based membership. In 1978, it installed the first ATM in Durham Region. In 2020, it rebranded from Auto Workers Community Credit Union to Pathwise Credit Union, reflecting its broader membership and service area.

Pathwise operates branches in Oshawa and Bowmanville and serves members across Durham Region. It offers personal and business banking, borrowing, mortgages, investments, and financial advice through a member owned cooperative structure.

Provinces served

Ontario

Number of Members (as of 2025): ~13,000

Pathwise Mortgage Rates

The mortgage rates on this page were last updated on September 21, 2026 at 6:15 PM ET.

Lender	Term	Insured down payment < 20%	Insurable home < $1M & amortization ≤ 25yr	Uninsured home ≥ $1M or refinances
Pathwise Credit Union	1-Year Fixed	5.99%	5.99%	5.99%
Pathwise Credit Union	2-Year Fixed	5.09%	5.09%	5.09%
Pathwise Credit Union	3-Year Fixed	4.29%	4.59%	4.59%
Pathwise Credit Union	4-Year Fixed	4.69%	4.69%	4.69%
Pathwise Credit Union	5-Year Fixed	4.39%	4.69%	4.69%
Pathwise Credit Union	5-Year Variable	4.45%	4.45%	4.45%
^* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply.

Understanding Pathwise Credit Union Mortgage Features

Prepayment Privileges: Most credit unions in Ontario allow members to make annual lump-sum prepayments (10%–20%) and payment increases without penalty.
Early Termination Penalties: Breaking a fixed-rate mortgage early incurs an Interest Rate Differential (IRD) or 3 months' interest penalty. Variable mortgages typically carry a 3-month interest fee.
Local Approval: Mortgages are underwritten locally, providing flexible solutions for self-employed buyers and unique property types.

Estimate your payments using WOWA's Mortgage Payment Calculator.

Pathwise GIC Rates

The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.

Term	Non-Registered Rate	Registered Rate
1-Month	0.85%	0.85%
3-Month	1.10%	1.10%
6-Month	1.55%	1.55%
9-Month	1.55%	1.55%
1-Year	3.80%	4.00%
1.5-Year	3.35%	3.35%
2-Year	3.90%	4.10%
3-Year	3.60%	3.60%
4-Year	3.55%	3.55%
5-Year	3.70%	3.70%
^* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply.