About TopLine Financial Credit Union

TopLine Financial Credit Union is a not-for-profit, member-owned financial services cooperative serving the Twin Cities and surrounding areas.  Since 1935, we’ve been the safe, local banking choice for Minnesotans looking for greater financial peace of mind.  

TopLine is dedicated to helping members achieve their financial goals by offering quality financial products and services at competitive rates.  We don't take big risks and we put people before profit.  And because we're local, we can offer a level of personal service and trust that a big impersonal bank couldn't dream of!  Our promise to you is to be a trusted member-owned financial services cooperative and your partner for life.

TopLine provides all the personal banking services you need to make life more comfortable, secure and convenient—from checking and savings accounts to credit cards, car loans and mortgages. We can also help with business loans, investments and insurance services—all with convenient 24/7 access. 

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Your Money is Federally Insured

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. The NCUA Electronic Share Insurance Estimator is available to help members better understand the protection offered.

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Best of Business 2017 - 2023

TopLine is honored to be named a 2023 Best Credit Union and Mortgage Lender Finalist by Twin Cities Business Reader's Choice Poll!

Thanks for making TopLine the Best Credit Union in Minnesota!

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Why We’re Different

We’re governed by federal banking regulations, but we’re not a bank—we’re a family. When you join TopLine Financial Credit Union, you become a member-owner. And because this institution is democratically controlled by its member-owners, that means all profits are returned to you. It also means TopLine can offer more competitive savings and loan rates, fewer fees and the highest levels of personal service. So while we provide all the vehicles you need to reach your financial goals—you’re always in the driver’s seat.

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Mission & Vision

Mission Statement
Dedicated to building life-long relationships to help you reach and manage your personal financial goals.

Vision Statement
To be a trusted member-owned financial services cooperative and your partner for life.

Our Story

TopLine was chartered in 1935 when seven employees of the Bell System pooled $35 to create Minneapolis Telco Credit Union—and we’ve been growing ever since. With the breakup of the Bell System in the ’80s, membership was expanded to include additional employee groups. In the 1990's, we converted from a state charter to a federal charter, then expanded our membership reach again in the 2000's. In 2022, TopLine Federal Credit Union converted back to a state charter to expand our field of membership into four additional counties, and changed our name to TopLine Financial Credit Union.

Today, we serve the entire Twin Cities area—with five branch locations, nearly $850 million in assets and over 52,000 current members within our TopLine family. Our growing financial cooperative offers membership to individuals and their immediate families who live, work, worship, attend school or volunteer in the counties of Anoka, Carver, Chisago, Dakota, Hennepin, Isanti, Ramsey, Scott, Sherburne, Washington and Wright in Minnesota. So you can always count on finding a TopLine Financial Credit Union near you.

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Your Experts. Your Neighbors.

TopLine Financial Credit Union’s experienced staff is made up of members just like you, so you can trust they will always put your needs first. Because we pride ourselves on offering a wide range of financial expertise and personal services, we’re always on the lookout for fresh talent. Come join us!

Building up Communities

At TopLine Financial Credit Union, we’re committed to the betterment of the communities we serve. After all, we live and work in these communities too. With the help of our employees, corporate partners and member volunteers, we’ve put our pride and passion into supporting local charities, sponsoring community events and becoming a valued community resource for high-quality financial
education. In fact, we’ve won several national awards for our efforts in providing financial literacy education for both youth and adults. But we can always do more. That’s why we’ve established the TopLine Credit Union Foundation—where members and friends can discover exciting new ways to care, connect and contribute.

Support The Foundation