Pathwise Credit Union - Oshawa, Ontario

chris S.

I appreciate the services your institution provides, but I’d like to share some feedback as a customer. Currently, the lack of evening or weekend hours makes it difficult to access services, especially since we live in a 24/7 world where flexibility is increasingly important.

I’ve also noticed a few practical challenges: the drive-thru setup is quite high for standard cars, making it less convenient for many customers; the ATM is located outside, which raises privacy and safety concerns since transactions are visible to others; and the $1.00 charge for e-transfers feels outdated, as most banks now offer this service free of charge.

I believe addressing these issues would not only improve the customer experience but also help your institution remain competitive with others in the industry.

Victoria R.

I was with this union when it the AWCU since 1977. Always had exceptionally great service. Since Pathwise took over the service has plummeted.
First off, their hours of operation are now very inconvenient. No evening or Saturday hours.
When you call in it takes forever to get someone on the line to talk to. Over half an hour on hold with the announcement they are having a high volume of incoming callers at this time. You get that response every time you call in. I suspect it more likely they are under staffed and volume has nothing to do with it.
I have my mortgage with them as I had it with AWCU and continued when Pathwise took over. Many issues getting that processed when I moved and bought a new home.
Now I applied for a line of which I was told would take three days to get approved. I sent all my documentation and asked in the email if she needed anything else. Crickets. No response. I called several times (as above on hold for ever)and left messages as the three days was past and I was on a timeline to get the line of credit. Finally contacted the manager in a panic to get an idea of what was happening with my application. It turns out the person I was dealing with had not submitted my application.
Now I’m really panicked and in jeopardy of losing out on an opportunity I was working on.
I was assigned a new contact but had to start the process all over again. Send in all my paper work AGAIN. Oh by the way you have to WAIT THREE DAYS AGAIN FOR APPROVAL.
The whole experience was stressful and I was totally dissatisfied with their service.
After forty years with this credit union, when my mortgage comes up for renewal I will be taking my business elsewhere.

graffi S.

I recently opened my accounts with Pathwise and the experience has been outstanding! The staff and services are exceptional. Credit unions genuinely care, offer personalized support, and are always ready to assist. They are much better than traditional banks. Highly recommended for both personal and business banking!

Ben S.

Pathwise Credit Union in Oshawa is a fantastic place to bank! The staff are friendly, knowledgeable, and always go the extra mile to help. Their rates are competitive, the service is personal, and they truly care about their members. Unlike big banks, they make banking simple and stress-free. Plus, their commitment to the local community makes them stand out. Highly recommend!

Mago

Pathwise Credit Union offers amazing service with friendly, knowledgeable staff who truly care about their members. They make banking easy and personal while supporting the community. Highly recommend!

John S.

What a truly awful experience attempting to get a loan with this place. First off, their computers being down constantly does not inspire confidence. Why would I want to do business with a bank in 2024 that is taking down my information with pen and paper like it's 1924? The loan advisor had ZERO customer service skills and only seemed interested in reasons why I might not qualify for the loan. Within a few minutes of meeting this most unhelpful and unfriendly loan advisor I knew I wouldn't be doing business with this place. I immediately went down the street to a competing bank and had a bank draft for the full loan amount in hand within two hours. There are better options within a few blocks of this place. Go there instead.

Don S.

As a longstanding member since 1964 and having had numerous investments and mortgages through AWCU, known as Pathwise Credit Union, it is difficult to fathom the deteriorated mortgage service of today.

I went to Pathwise in August 2024 to apply for a mortgage loan armed with all the normally required information including an excellent credit report, three years of income verification and a copy of my property evaluation, which they already had on file.

Over a period of a month from the time of the application, I received no communication nor indication of the timeline for this money. I made numerous calls to the loan officer with no reply. I eventually called the manager which resulted in an explanation that the computer system was down. I then suggested they process my application manually as their computers never seem to work. Shortly after I received an email questioning my income verification statements prepared by my chartered accountant, questions regarding other mortgage free properties I own, and requests for T4 slips for my OAS and CPP.

With no closing date in site after almost a month, I emailed the loan officer to just forget it. Within 3 days I got the money elsewhere without issue. Pathwise advertises mortgage deals, and pay for a “mortgage specialist”. They are clearly wasting their resoures and time and my time.

Edward

I moved out of the area so had to close my accounts at Pathwise.
I dealt with Sandra and Steve. Excellent people who know their banking!
Thanks Sandra for the extra assistance today, tracking down deposits!!