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Dream BIG with an Interest-Only HELOC!
TopLine is here to help with our NEW Interest-Only Home Equity Line of Credit (HELOC) , which allows you the flexibility to tap into the equity of your home for any reason, at any time! Plus, your monthly payment is super low!
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5.99%* APR on all balance transfers to your TopLine Credit Card!
Enjoy the savings! Save money when you transfer high-rate balances to your TopLine Platinum Visa by October 31, 2021. Plus, pay no balance transfer fee.
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Best of Business
TopLine has been named a Twin Citites Business 2021 Best of Business Reader's Choice Poll finalist in the Credit Union, Mortgage Lender and Small Business Lender categories!
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$16,000 in Scholarship Funds Available
This year the Minnesota Credit Union Network Foundation Scholarship Council will be awarding $16,000 in scholarships for 2022/2023.
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Let TopLine make your dream home a reality!
Buy or refinance your home with TopLine with our low mortgage rates. Find out if you can put more money back in your pocket with a lower rate and payment.
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Digital Wallets
TopLine is excited to announce the launch of our new Digital Wallet capabilities for both our credit cards and debit cards. Digital wallets contain digital versions of your card that are stored in wallet apps on your mobile device (smartphone, smartwatch, tablet).
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ATMs Accept Deposits!
TopLine's ATMs now accept check and cash deposits at the following locations:
Brooklyn Park, Como Park, Maple Grove and Plymouth. Swing by to check them out!
*Locate A Fee-Free ATM
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Improve your card game…
TopLine can improve your hand (and your wallet) with our new credit card options! Play your cards right with cash back rewards*, contactless/tap to pay, digital wallet, lower APR*, better protection, no hidden fees* and so much more!
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90 Days No Payments!
Rates started at 4.24%*APR and no payments for 90 days† on all recreational vehicle loans! Turn to TopLine for fast, easy and competitive financing. If you're looking to refinance, we do that too!
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Welcome to Topline Federal Credit Union
What our members say:
Zipora M. & Thomas O.
Member Owner since 2014
Kari in Maple Grove has helped us finance our last 3 vehicles. We’ve been TopLine members for 7 years and will be members forever.
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What our members say:
Jerry J.
Member Owner since 2003
I love visiting my friends at TopLine. Tiffany in Maple Grove has helped me so much over the years, especially with financing my dream car - a 1960 Ford Thunderbird! The familiar faces and personal service they give me will keep me coming back for life.
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What our members say:
Vicky L.
Member Owner since 2013
I just wanted to say thank you to Clayton and Amy in the Mortgage department for helping us getting the refinancing on our home done. You two were the ones truly doing all the heavy lifting and making it happen. I hope you know how much your work and commitment are appreciated by people like me. Thank you so much!
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What our members say:
Thom and Diane H.
Member Owner since 1992
It was with a bit of fear and trepidation that we entered the refinancing process at TopLine. This is a very busy time for anyone having anything to do with mortgages, and we had been hearing stories of delays and other problems at other institutions. Our long relationship with TopLine paid off again. The entire process went off without a hitch! Carli and Taylor were so competent, responsive and professional, that I would actually have to say the process was fun! We've been members of TopLIne for decades, and this is another example of why we value that relationship.
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What our members say:
Myah S.
Member Owner since 2011
TopLine member, Myah S. (age 9) dedicated her time to giving back this holiday season. She created bean bag heating pads to raise money to buy holiday gifts for children in need. Myah had fun shopping for all of the gifts and donated over 46 items to TopLine’s Holiday Gift Drive.
All of these donations will help brighten up the holidays and bring joy to many youth and families this holiday season. Thanks for making a difference, Myah!
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What our members say:
Matt & Krisha F.
Member Owner since 2002
Now that we are all moved in and extremely happy with our new home, I just wanted to drop a quick note of thanks for all of your help on the mortgage, and also with the refinance on our old house this spring! Living in the same house for 20 years, we didn’t know what to expect and had heard horror stories from people about last minute issues, financing falling through, etc. Both of our closings with TopLine could not have gone smoother, you were great to work with and very helpful. We could not be happier to be long time TopLine members, and it’s folks like you that make that the case. Thanks very much!
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What our members say:
Sybil S.
Member Owners since 1988
TopLine was a true lifesaver for me. It might have been 40+ years ago, but I remember the occasion well. I was a single mom who desperately needed a car. I had been refused a car loan by a few banks, or required to pay an extremely high interest rate. I was a new member of TopLine, but I went to them anyway. The loan officer heard me out and, in the end, I was given the loan. The relief of knowing I would have a reliable car to go back and forth to work and to transport my children to their various activities brought tears to my eyes. Although many years ago, I can recall that time vividly today. TopLine believed in me. I believed in them. I still do. They are a superb organization and I highly recommend them whenever I can. Thank you, TopLine, for being there for me when I so desperately needed someone in my corner.
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Financial Wellness Tips:
Kaycee K.
“Know your spending habits! Track your spending and create a budget. Pay attention to emotional spending and put the necessities first.”
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Financial Wellness Tips:
Troy C
“When setting up direct deposit, have at least 10% go into your savings account with each paycheck. A percentage ensures that the amount you’re saving each month is consistent with your wage/salary. It’s good to have your savings amount consistent with any increases in income!”
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Financial Wellness Tips:
Kari K.
“Double check your loan interest rates, refinancing isn’t just for mortgages. TopLine can refinance your vehicle FOR FREE.”
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Financial Wellness Tips:
Mary D.
“Contribute to a Retirement Plan. Often with Employer Sponsored 401(k) plans, your employer will have matching contributions. If your employer does not offer a retirement plan, consider opening your own IRA through a financial advisor. ”
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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.”
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Dedicated to building life-long relationships to help you reach and manage your personal financial goals.
— TopLine Federal Credit Union Mission —
Membership has its advantages
What does “member-owned” mean? It means that when you join TopLine Federal 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, that’s because it’s not. It’s a family. And we’re waiting for you to join us.
Join Today
All 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.
