Pathwise Credit Union
This Page's Content Was Last Updated: July 21, 2026
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
Mortgage Rates
The mortgage rates on this page were last updated on August 5, 2026 at 5:46 PM ET.
| Lender | Term | Rate | |
|---|---|---|---|
| 1-Year Fixed | 5.99% | ||
| 2-Year Fixed | 5.09% | ||
| 3-Year Fixed | 4.29% | ||
| 4-Year Fixed | 4.69% | ||
| 5-Year Fixed | 4.39% | ||
| 5-Year Variable | 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. | |||
GIC Rates
The GIC rates on this page were last updated on August 5, 2026 at 11:14 AM ET.
| Term | Rate |
|---|---|
| 1-Month | 0.85% |
| 3-Month | 1.10% |
| 6-Month | 1.55% |
| 9-Month | 1.55% |
| 1-Year | 3.70% |
| 1.5-Year | 3.35% |
| 2-Year | 3.80% |
| 3-Year | 3.60% |
| 4-Year | 3.55% |
| 5-Year | 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. | |
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Essential Chequing
- Standard Fee
- Free
- Free Transactions
- 10
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 10 free transactions.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $2,999.99 0.00% $3,000.00 or more 0.10% Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: Unlimited Chequing
- Standard Fee
- $7.99/mo
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $8,000 in your account.
- The account fee may be waived for students and youth.
- This account allows Unlimited free transactions.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $2,999.99 0.00% $3,000.00 or more 0.10% Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: E-Savings
- Interest Rate
- 0.10%*
- Standard Fee
- Free
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions. Maximum 0 of these transactions can be carried out in branch.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $2,999.99 0.10% $3,000.00 or more 0.25% Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Credit Union Overview
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $547M | +29.0% | +37.4% |
| Loans | $454M | +23.0% | +32.4% |
| Deposits | $463M | +32.7% | +32.7% |
| Mortgages + HELOCs | $385M | +19.2% | +29.2% |
| Revenue | $10M | 0.0% | -9.1% |
| Efficiency Ratio | 100.1% | — | — |
| Members | ~13,000 | — | — |
| Branches | 2 | — | — |
| Target Members / Region | Durham Region | — | — |
Pathwise Credit Union Deposits, Loans and Revenue in the Past 5 Years
For deeper insights into all Canadian lenders, subscribe to our comprehensive Lenders Report, with plans starting at just $100 per month.
Contact
If you're from Pathwise Credit Union and would like to add or update information on this page, please fill out the form.
Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA® does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.