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.
Cookies and Tracking Technologies
Our website uses cookies, pixels, and similar technologies to help our website function properly, understand how visitors use our site, improve user experience, and measure the effectiveness of our internal marketing efforts.
These technologies may collect information such as your IP address, browser type, device information, pages visited, and interactions with our website. We may use third-party services, including analytics and advertising providers, that place cookies or pixels on our site for these purposes.
You can control or disable cookies through your browser settings. Please note that some website features may not function properly if cookies are disabled.
By continuing to use our website, you acknowledge the use of cookies and similar technologies as described in this Privacy Policy.
We do not sell personal information collected through our website.
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).
Digital Banking Account Deletion Policy
Click here to access Towpath CU’s digital banking account deletion policy.