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Homeownership from TopLine Just Got More Affordable with Rates Starting at 4.875% APR!†
TopLine has partnered with the Federal Home Loan Bank of Des Moines* to offer the Mortgage Rate Relief Program. HUGE SAVINGS! Qualified applicants will receive an approximate 1.5% interest rate reduction off the current market rate.
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Win a trip to the FIFA World Cup 26™ with Visa!
Ever dreamed of seeing the FIFA World Cup 26™ live? When you use a TopLine Visa Credit Card between February 1, 2026 through March 31, 2026, you will receive one entry to win a trip for two to the FIFA World Cup™.
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March is Minnesota FoodShare Month!
TopLine is hosting a food drive to benefit local non-profits, ACBC Food Shelf, Community Emergency Assistance Programs, Hope 4 Youth and Keystone Community Services. Shop our Amazon Wishlist, Target Registry or drop off donations at any branch location by March 31!
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TopLine Has Savings to Fill Your Pot of Gold!
Check out TopLine's great certificate rates! 3.75% APY* on a 12 Month IRA Certificate and 3.50% APY* on a 24 Month IRA Certificate.
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Change of Season Calls for a Change of Scenery!
Rates starting at 6.49% APR* and make no payments for 90 Days† when you fund your recreational vehicle with TopLine. Pick your favorite way to play with TopLine's fast, easy and competitive financing!
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Explore New Places Together with Low Auto Rates!
Get on the road this spring with great auto rates from TopLine! Rates starting at 4.74% APR* and make no payments for 90 Days**! TopLine offers auto loans on new and used vehicles with flexible terms, competitive rates and a variety of repayment options.
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Welcome to Topline Financial Credit Union
What our members say:
Hawthorne and Sam S.
Member Owner since 2024
We worked with Clayton and the TopLine team for our mortgage, and had an incredible experience! This was our first time using a credit union and our first time taking out a mortgage, and they made it simple and easy. Their entire team is friendly, helpful, kind, and welcoming. They were always happy to answer any of our questions (we had a LOT of them!) and they go out of their way to show that they care, and it shines in the way that they talk to any of their members. They made it possible for us to buy our dream property, and we will always be thankful for that! We love TopLine!
What our members say:
Kelsey C.
Member Owner since 2003
What our members say:
Will and Ginny D.
Member Owner since 2022
My wife and I joined TopLine in 2022 after being with a bank for 50 years. We transferred everything over to TopLine and so happy we did. We met Valerie, the manager at the Bloomington location and she has been so helpful in every situation we needed help with. It was a blessing to meet Valerie and after talking with her we knew we were in the right place. Everyone is friendly and we can do everything we need in our personal and business situations at TopLine.
What our members say:
Mary T.
Member Owner since 2013
We love TopLine! No matter how busy they are they are very friendly and helpful. Their car guy was so helpful in helping my adult daughter and myself in finding us the vehicles we wanted, at a price we could afford. Our financing was all set when we were ready to buy and he even followed up with us to see how we liked our CRVs! That is excellent customer service!
What our members say:
Josh W.
Member Owner since 2018
What our members say:
Egan M.
Member Owner since 2023
Thank you TopLine for backing me during my recent car purchase. The process was seamless and my loan officer, Kari, was an amazing advocate. I plan to be a lifetime member.
Resources & Tools
Financial Wellness Tips:
Kari K.
Financial Wellness Tips:
Valerie R.
“What's your current interest rate? You could refinance and save money on your monthly payment. TopLine offers low interest rates on auto loans! With the extra saving you could start a Wincentive savings account!"
More Tips
Financial Wellness Tips:
Shannon M.
“Credit scores have become such a focus in our culture, and they are a good indicator of credit health. However, they do not indicate your overall financial health. The thing to remember is this: if you do what is smart for your long term financial health, your credit score will follow.”
More Tips
Financial Wellness Tips:
Phil D.
“At TopLine Insurance Agency, we shop so you don’t have to! We work with MANY different carriers to get you the best possible rate.”
More Tips
Dedicated to building life-long relationships to help you reach and manage your personal financial goals.
— TopLine Financial Credit Union Mission —
Membership has its advantages
What does “member-owned” mean? It means that when you join TopLine Financial Credit Union, you’re not just a member—you’re an owner too. Our profits don’t go to outside investors. They go to you! We reinvest profits to offer more competitive rates, require fewer fees, take fewer risks and prioritize personal service.
If that doesn’t sound like a bank to you, it's because we're not. We are a family. And we’re waiting for you to join us.
Join TodayAll TopLine savings accounts, money markets and share certificates are federally insured up to at least $250,000, and IRAs are insured for an additional $250,000 by the National Credit Union Administration (NCUA).
Several options are available for additional share insurance coverage in addition to the coverage available to their single ownership accounts, such as joint accounts, retirement accounts and trusts.
Click here for more details. The NCUA Electronic Share Insurance Estimator is available to help members better understand the protection offered.
TopLine does business in accordance to the Federal Fair Lending Laws and Equal Credit Opportunity Acts.
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