Privacy Policy

Defending your privacy and safeguarding nonpublic personal information has long been of the utmost importance to your credit union. The fact is not all financial institutions placed such high priority on your protection, which contributed to Title V of the Gramm-Leach-Bliley Act. Title V became effective on July 1, 2001, and addresses how financial institutions and others safeguard your nonpublic personal information; in short, it helps protect your privacy. It is your credit union's intent to comply with all applicable laws and regulations concerning the management of your nonpublic personal information. This policy outlines the purposes for which member information will be collected and released outside of your credit union.

Home Mortgage Disclosure Act Notice

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this website.

Language Access Plan

Click here to view Towpath Credit Union’s Language Access Plan.

Membership Fee Schedule

General Fees

Service Fee
Account Closure if account closed within 30 days of opening $5.00
Account Reconciliation $10.00 per Hour
Account Research $10.00 per Hour
Cashier’s Check $5.00 per Check
Dormant Account $5.00 per Month after 3 years
Garnishment $2.00 per payment issued
Legal Process (tax levies, summons) $2.00
Statement Copy $2.00 per Copy
Money Orders $3.00
Outgoing Wire Transfer $20.00 per Transfer
International Wire Transfer $30.00 per Transfer
Foreign Check $20.00 per Check
Returned Mail $10.00 per Incident
Non-Member Check Cashing $10.00 per Check
Coin Counter Machine 5% for Members
10% for Non-Members
Copy of Cleared Check $5.00 per Check
Counter Checks $1.00 for 4 Checks if a New Check Order has been placed

Checking Account Fees

Service Fee
Savings Overdraft Protection Transfer $5.00 per Transaction
Non-Sufficient Funds Fee ( NSF) $30.00 per Item (each submission/resubmission)
Overdraft Protection $30.00 per Item (each submission/resubmission)
Stop Payment $30.00 per Request
Relationship Checking Fee $10.00 per Month (waivable)

EFT Fees

Service Fee
Card Replacement $10.00 per Card
Currency Conversion 1% of Transaction Amount
Debit Card Payment Processing $4.95/Transaction

In accordance with federal law and U.S. Department of the Treasury policy, this institution is prohibited from discriminating based on race, color, national origin, sex, age, or disability. Submit a complaint of discrimination, by mail to U.S. Department of the Treasury, Office of Civil Rights and Equal Employment Opportunity , 1500 Pennsylvania Ave. N.W., Washington, D.C. 20220, (202) 622-1160 (phone), (202) 622-0367 (fax), or email crcomplaints@treasury.gov (email).