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Routing Number: 263181384

Pathway

The path to financial success often relies upon your credit score. But what if you have no credit or a limited credit history? No problem! Get started on the path today with Addition Financial’s Pathway Credit Card.

No credit? Limited credit? No problem.

The Pathway Credit Card is for Addition Financial (AFCU) members who have been banking with AFCU for at least six months and are over the age of 18, and who have no credit or a limited credit history.¹ With the Pathway Credit Card, you can focus on building your credit and developing healthy spending habits.

How it works:
  • Open a qualifying checking account with at least a $100 monthly direct deposit.
  • Apply for the Pathway Credit Card.
  • Once approved: $250 will be secured from your savings or money market account; $1,750 will be unsecured for a total credit limit of $2,000.

Benefits Include:

  • No annual fee
  • No cash advance fee
  • No balance transfer fee
  • $2,000 credit limit
  • 3% Foreign transaction fee
  • VISA® Zero Liability2- to protect you against fraud
  • Optional Credit Life and Disability Insurance coverage

¹In order to receive a Pathway Credit Card, additional qualifications apply. Must be 18 years of age or older. Must be an Addition Financial member for at least six months. Must have no or limited credit score. Minimum of 12 months of employment required or retired. Benefits, Classic, Student, or Free Checking account is required with at least a $100 monthly direct deposit.
2The VISA Zero Liability policy does not apply to ATM transactions, PIN transactions not processed by VISA, or certain commercial card transactions. Notify us promptly of any unauthorized use.

Credit Card Rates

Visa® Platinum

As low as

14.25
% APR

Visa® Premier Rewards

As low as

14.25
% APR

Payment Protection

Establish peace of mind for yourself when you choose to cover your Addition Financial loan with Payment Protection. By adding payment protection to your new loan, you’ll have one less thing to worry about during a period of reduced income due to disability, illness or death.

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A person enjoys the benefits of Payment Protection

Calculate Your Credit Card

Do you need to know how long it will take to pay off your credit card debt? Use our calculator to find out!

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