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 Towpath Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Towpath Credit Union's Term CD - 12 Month rates are at 4.10%, Term CD - 6 Month rates are at 3.25%, Term CD - 2 Year rates are at 2.25%, Term CD - 3 Year rates are at 1.75%, Term CD - 4 Year rates are at 1.50%. Towpath Credit Union's savings rates are at 0.10%. Towpath Credit Union's money market rates are at 0.65%. Towpath Credit Union's Personal Loan Rates are as low as 11.24%. Towpath Credit Union's CD rates are 20% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Towpath Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.84%. Rates last updated and verified on 10/30/2026. Towpath Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Towpath Credit Union? Share your experience about Towpath Credit Union by leaving a review below, or read customer reviews before you decide to use Towpath Credit Union. Privately insuredNot NCUA Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Towpath Credit Union CD Rates
Towpath Credit Union Savings Rates
Towpath Credit Union Money Market Rates
Towpath Credit Union Home Equity & HELOC
Towpath Credit Union Auto Loan Rates
Towpath Credit Union RV, Boat and Powersport Loan Rates
Towpath Credit Union Personal Loan Rates
Towpath Credit Union Other Rates
Financial Health HistoryTowpath Credit Union’s Texas Ratio rose from 2.49% in Q3 2023 to 5.84% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Towpath Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Towpath Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Towpath Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Towpath Credit Union
Website
https://www.towpathcu.com
Address
2969 Smith Rd,
Fairlawn, OH 44333
Phone
330-664-4700
Fax
330-664-4799
President
James Talley
CEO
Michael Sferro
Full-Time Employees
66
Part-Time Employees
1
Branch Locations
4
ATM Locations
4
NCUA Insured
No, not federally insured
Private Share Insurance
Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.84%
Return on Assets (ROA)
0.4123%
Return on Equity (ROE)
3.6065%
Non-Performing Loans Ratio (NPL)
0.95%
Total Assets
214,949,840
Total Amount of Shares and Deposits
189,968,742
Total Shares and Deposits < 1 Year
189,253,859
Total Shares and Deposits 1 3 Years
493,610
Total Shares and Deposits > 3 Years
221,273
Total Interest Expense (Sum of items 6 8)
704,501
Share Certificates
2,036
Number of Accounts for Share Drafts
13,476
IRA KEOGH Accounts
459
Number of Accounts for Regular Shares
29,049
Money Market Shares
518
Net Income (unless the amount is already included in Undivided Earnings)
886,280
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,824,517
Total Liabilities
190,915,675
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Towpath Credit Union
Frequently Asked Questions About Towpath Credit UnionDoes Towpath Credit Union offer CDs?Yes. Towpath Credit Union current CD rates include its Term CD - 12 Month at 4.10% APY, its Term CD - 6 Month at 3.25% APY and its Term CD - 2 Year at 2.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Towpath Credit Union NCUA insured?No. Towpath Credit Union is privately insured rather than federally insured, so its CDs are not covered by the NCUA. Deposits are covered by Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits. Check the coverage terms with the credit union before you open an account. What is the highest CD rate at Towpath Credit Union?The highest Towpath Credit Union CD rate is its Term CD - 12 Month at 4.10% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Towpath Credit Union offer?Towpath Credit Union CD rates are 3.25% APY for a 6 month CD, 4.10% APY for a 12 month CD, 2.25% APY for a 2 year CD, 1.75% APY for a 3 year CD, 1.50% APY for a 4 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Towpath Credit Union for its full lineup. What is the highest savings rate at Towpath Credit Union?The highest Towpath Credit Union savings rate is its IRA Savings at 0.10% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Towpath Credit Union?The highest Towpath Credit Union money market rate is its Everyday Money Market at 0.65% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Towpath Credit Union?The lowest Towpath Credit Union auto loan rate is its Auto Loan - New Vehicles at 5.25%, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Towpath Credit Union?The lowest Towpath Credit Union personal loan rate is its Anything Loans (Personal) at 9.95%, verified by MonitorBankRates as of October 30, 2026. How many branches does Towpath Credit Union operate?Towpath Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Towpath Credit Union?Yes, to access services at Towpath Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Towpath Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Towpath Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Towpath Credit Union offer online and mobile banking?Most modern institutions like Towpath Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.towpathcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Towpath Credit Union rates compare?Towpath Credit Union's CD rates are 20% lower than the MonitorBankRates national average, and it has an A+ health rating. Towpath Credit Union's top rates are its Term CD - 12 Month at 4.10% APY, its IRA Savings at 0.10% APY, its Everyday Money Market at 0.65% APY and its Anything Loans (Personal) at 11.24% APR, verified by MonitorBankRates on October 30, 2026. Current Towpath Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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