Towpath Credit Union Fairlawn OH | Affordable Auto Loans & ATM Access

Introduction

Welcome to Towpath, your trusted financial partner located at 2969 Smith Rd, Fairlawn, OH 44333. Since our establishment, we have dedicated ourselves to serving the community with a strong focus on providing exceptional banking solutions tailored to meet your needs. With over 25,000 members and total assets of $194,195,997, we pride ourselves on being a reliable choice for both personal and business banking. At Towpath, we understand that financial decisions can be overwhelming. That's why our friendly team is here to guide you every step of the way. Led by our CEO, Michael Sferro, and Board President, Lester Carney, Sr., our leadership emphasizes trust and community engagement in everything we do. Whether you're looking for checking and savings accounts, auto loans, mortgage refinancing, or business banking services, we've got you covered. Our commitment to you goes beyond just numbers. We have a net worth of $22,068,074 and total deposits amounting to $13,069,386 demonstrating our stability and dedication to keeping your money safe while helping it grow. With cash in hand totaling $1,239,595, you can rest assured that we are prepared to support your financial journey. While members can visit us at our branch location for personal assistance or use our drive-thru service for quick transactions, official correspondence should be sent to the same address: 2969 Smith Rd, Fairlawn, OH 44333. Don't hesitate to reach out! You can contact us at 330-664-4700 during our convenient hours: Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to 12:30 PM. Explore more about our services by visiting us online at Towpath. Join us as we continue to grow together with our community!

Branch History & Mission

Community Engagement

As part of our journey, we have embraced modern advancements while remaining true to our roots. Our branch offers various services including online banking, mobile applications, and convenient ATM access all designed to make banking easier for you. Additionally, we provide drive-thru banking for quick transactions and shared service centers for members of partner credit unions. We recognize that accessibility matters, which is why we ensure ADA compliance throughout our facilities. Our commitment to serving everyone in Fairlawn is unwavering.

Join Us

Towpath invites you to become part of something greater. Join us as we continue to grow together as a community-focused credit union. Experience firsthand the benefits of membership by visiting us during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12:30 PM. For any inquiries or assistance, feel free to reach out at (330) 664-4700. Together, let's pave the way toward a brighter financial future!

Our Mission

At Towpath, our mission is clear: we strive to enhance the financial well-being of our members while actively contributing to the growth and prosperity of our community. We believe that by offering personalized banking solutions ranging from checking and savings accounts to auto loans and credit cards we can empower individuals to achieve their financial goals. Our commitment extends beyond just numbers. With total assets exceeding $194,195,997, we are dedicated to ensuring that every member feels valued and supported. We pride ourselves on being more than just a financial institution; we are a community partner focused on outreach and support initiatives that uplift those around us.

Branch Location & Accessibility

Convenient Access

At Towpath, we strive to make your banking experience as smooth as possible. Our branch features ample parking and is designed with accessibility in mind, including ADA-compliant ramps for those who need them. Whether you're visiting us for a quick transaction or to discuss your financial needs, we're here to help.

Drive-Thru Banking & Services Offered

For added convenience, our branch includes a drive-thru service where you can take care of deposits and withdrawals without leaving your car. We also provide shared branch services, allowing members of partner credit unions to conduct basic transactions with ease. While members can visit us at 2969 Smith Rd, official correspondence should be sent to the same address for consistency. Feel free to give us a call at 330-664-4700 if you have any questions or need assistance. We invite you to come by and see how Towpath can support your personal banking needs. Your financial journey starts here!

Operating Hours

Our doors are open during convenient hours to fit your busy schedule. You can visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12:30 PM. If you prefer banking on the go, we also offer ATM services that allow you to access your funds whenever you need them.

Member Eligibility

At Towpath, we're excited to welcome you into our community of members who enjoy personalized service and a range of financial benefits. Becoming a member is simple and accessible to those who live, work, worship, or attend school in our local area. If you share these connections with our vibrant community, you may be eligible for membership! We believe that everyone deserves a chance to take control of their financial future, and joining Towpath is your first step toward achieving that goal. For more detailed information about eligibility criteria, feel free to check out this resource. Once you're ready to join us at our Fairlawn branch located at 2969 Smith Rd Fairlawn Oh 44333, opening an account is straightforward and welcoming. Our friendly staff is here to assist you through the entire process. If you have any questions or need further assistance, don't hesitate to call us at (330) 664-4700. We look forward to having you as part of our family at Towpath!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $69 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $658580, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Designed for Your Success

In addition to our loan offerings, we provide robust merchant services that simplify payment processing. Imagine running your business knowing that transactions are smooth and efficient allowing you more time to focus on what you do best. From card acceptance to online payments, our services help streamline operations and enhance customer satisfaction. Visit us at 2969 Smith Rd Fairlawn Oh 44333 in Fairlawn, OH, or call us at (330) 664-4700 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking

Entrepreneurs will appreciate our business banking services, including merchant services and business loans designed to support growth. Whether you're starting a new venture or expanding an existing one, we have tools to help you succeed.

Digital Banking Convenience

In today's fast-paced world, we understand the importance of convenience. That's why we offer robust online and mobile banking features. You can access your accounts anytime, pay bills, transfer funds, or deposit checks from the comfort of your home or on-the-go. With our ATM services, cash withdrawals are always within reach.

Drive-Thru & Shared Branch Services

For quick transactions, utilize our basic drive-thru banking for deposits and withdrawals. If you're a member of partner credit unions, take advantage of our shared branch transactions for deposits and withdrawals as well. With all these services available at Main Office, we aim to simplify your banking experience while offering personalized attention. Our friendly staff is ready to assist you with any questions or guidance you may need along the way. If you'd like to learn more about what we offer or how we can help fulfill your financial needs, feel free to contact us at (330) 664-4700 or visit us at 2969 Smith Rd Fairlawn Oh 44333. Together, let's build a brighter financial future!

Home Financing

Thinking about buying a house? Our mortgage loans and refinancing options make homeownership accessible. We guide you through the process, helping you find the best rates and terms tailored to your situation.

Loans & Credit Cards

For those unexpected expenses or consolidating debt, our personal loans and debt consolidation services provide flexible solutions. Additionally, our credit cards with rewards let you earn benefits on everyday purchases while managing your spending effectively.

Personal Banking

Whether you're opening your first checking account or saving for your dream home, our personal banking options have you covered. We offer checking and savings accounts that fit various lifestyles, ensuring you can manage your money easily. If you're considering purchasing a vehicle, our auto loans and vehicle financing solutions can help get you behind the wheel without stretching your budget.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to set up e-statements. This means you can receive your account statements electronically, making it easier to stay organized while also being eco-friendly. Plus, with electronic signature authorization available, signing documents online is straightforward and secure. If you're always on the go, our mobile application makes managing your finances even simpler. You can easily make person-to-person transfers with just a few taps on your smartphone. Say goodbye to cash or checks; sending money to friends and family has never been easier! While we currently do not offer mobile payments, our commitment to providing a user-friendly experience remains strong. We're dedicated to continually improving our services so that you can enjoy even more convenience in managing your money. In a world where time is valuable, Towpath strives to provide accessible banking solutions tailored for today's lifestyle. Enjoy real-time account management and peace of mind knowing that your information is protected. Embrace the future of banking with us today!

Financial Strength

At Towpath, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We pride ourselves on maintaining strong financial health, which translates into better rates, lower fees, and improved services for our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $22,068,074, we demonstrate robust financial strength that allows us to meet our members' needs effectively. Our net worth ratio of 11.34% showcases a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $35,222,923 in share certificates and $11,922,388 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to member satisfaction is evident in our $16,099,598 in undivided earnings, which we reinvest into innovative banking tools and stronger lending options to serve you better. With $37,20 in used auto loans and a total of $135,247,480 in loans and leases available for our members, we support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $720,076, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 64 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $0. Total Share Accounts: 44,765, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Towpath is your trusted partner. Visit us at 2969 Smith Rd Fairlawn Oh 44333 or call 330-664-4700 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $56,074,211 in used vehicle loans and $17,831,849 in new vehicle loans already helping members get on the road. We provide competitive rates and terms tailored to fit your budget. Plus, if you're considering refinancing your existing auto loan, we have options available to help you save even more.

Business Loans

For business owners seeking capital to grow and expand their operations, our outstanding commercial loans total $658,580. These loans provide the financial backing needed to invest in your business's future. At Towpath, we pride ourselves on providing transparent and accessible financial solutions. If you're interested in any of our loan products or would like more information about eligibility requirements or refinancing options, please don't hesitate to reach out to us at 330-664-4700. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $18,912,359, perfect for first-time buyers or those looking to refinance their current home. Our dedicated team is here to guide you through the process and answer any questions you may have about eligibility or refinancing options.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be tricky. We also offer flexible terms on unsecured credit card loans, with a total of $11,123,554 in loans helping members manage their finances effectively. With no collateral required and straightforward repayment plans, our credit cards are designed to empower you financially.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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Towpath