TopLine Federal Credit Union - Get smart with your money

Welcome to TopLine Federal Credit Union!
Our most important customer is you. As a member-owned financial institution, we offer premium personal service, bargain loan rates, competitive savings rates and low fees. TopLine welcomes individuals who live, work, worship, attend school or volunteer in the Twin Cities counties of Anoka, Carver, Dakota, Hennepin, Ramsey, Scott and Washington Counties, Minnesota. Immediate family members of people who meet these criteria are also eligible to join.

	TopLine VISA® Gift Cards Now Available No matter what the occasion, TopLine has a full line of gift cards for those gift giving moments.
	Tenth Annual Gratitude Tree Brighten the holidays for families in our community. Stop by any TopLine branch between November 24 and December 12 to place a new unwrapped gift or gift certificate under the Gratitude Tree.
	Credit Union Deposit Insurance Limits Increased Effective with the passage of the financial rescue bill on October 3, credit union deposit insurance increased to $250,000 (from $100,000), just like FDIC-insured bank deposits. And, IRA deposits remain insured to $250,000. The rules on how account ownership is determined have not changed —so many member deposits may be insured for even more. Whether you're thinking about short-term savings, long-term investments or peace of mind, know that your money is safe at TopLine. If you have questions about how your accounts are insured, contact the NCUA at 1-800-755-1030, Extension 1. Click here for an electronic tool kit to help you better understand the NCUA insurance protection.
	$11,000 in 2009-2010 Scholarship Money Available The Minnesota Family Involvement Council (FIC) has $11,000 available in scholarship money for Minnesota credit union members
	Mortgages You know it's time to get your own place. And there's never been a better time to buy. First-time homebuyers can benefit from a $7500 federal tax credit*—our Mortgage Specialists can show you how.
	TopLine Mortgage Information Desk TopLine Mortgage Product Comparison Chart For current rates and to apply, please call the Mortgage Department at 763-391-9494
	Home Equity Loans Unlock the equity in your home to maximize your money and enrich your life! Whether it's a fixed-rate home equity loan or variable-rate home equity line of credit, you can use the money however you choose. And, you may get a nice tax deduction in the process.**
	Today's Rates Apply Online Home Equity Options
	Car Loans Before you shop for a new car, it's smart to get preapproved for a car loan at TopLine. We offer low interest rates and a variety of financing options and terms so you can buy with confidence. If you have an existing car loan, consider refinancing. Let us show you how we can save you money.
	Today's Rates Apply Online
	TopLine Investment Services The best time for tax planning is all year long.
	Contact TopLine for details. *Consult your tax advisor.

'Tis better to give and receive

Get 2000 CURewards™ points with a new Smart Rewards Check Card.

Eat, shop and be merry.

Open a TopLine checking account with a Smart Rewards Check Card now through December 31, 2008 and receive 2,000 bonus CURewards points with your first purchase*—just in time for holiday shopping.

And you can even combine your Smart Rewards Check Card points with points earned on the TopLine Platinum Rewards VISA® for more earning power.

You'll also enjoy access to over 57,000 fee-free ATM locations and be able to get cash-back right at the register when you pay at participating merchants.

Call us at 763-391-9494 or stop in any of our branch locations to get rewarded.

More points, more power. It's another way TopLine helps you get smart with your money.

* Offer good through December 31, 2008. Minimum checking deposit of $25 and monthly automatic deposit of $10 required. TopLine Smart Rewards Check Card qualifying signature or PIN purchases, net returns, earns one point for every four dollars. TopLine Platinum Rewards VISA qualifying purchases, net returns, earns one point for every dollar charged to their credit card account. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency conversion charges or insurance charges posted to the account. See CURewards.com for further program details.

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