763-391-9494
TopLine Federal Credit Union





When you save at TopLine, your dependable Minneapolis/St Paul-based community federal credit union, you can save with confidence, because your deposit accounts are insured up to at least $250,000 by the National Credit Union Administration, a federal agency, backed by the full faith and strength of the United States Government.


Business
Share Certificates
Investing in a Business Share Certificate is a smart choice if you are looking for a traditional savings option which pays higher dividends. At TopLine, your Minneapolis/St. Paul area business banking resource, we have a variety of certificate options all offering a guaranteed rate of return, flexible terms and federally-insured deposits. No matter which account you choose, you'll enjoy these free benefits:

Regular Business Share Certificates:
If you are looking for a traditional termed deposit account, a Regular Business Share Certificate is for you. You choose the term, from 90 days to five years, and the amount you want to deposit - the more you’ll earn. 

Interest at Maturity Business Certificates: This 11-month certificate is for members looking for a guaranteed, fixed return and a higher dividend rate when compared to a traditional account.  Dividends are paid at maturity.

Progressive Business Certificates: You’ll have the flexibility to take advantage of higher rates with TopLine’s Progressive Business Certificate because you can step-up the dividend rate to the current published rate any one time during the 25-month term to maximize your earning potential.
 
Penalty Free Business Certificates: This 15-month certificate is a smart banking option if you want to invest in a certificate but want the flexibility to access the funds for unexpected expenses. You’ll still earn a guaranteed, fixed return while enjoying the flexibility of withdrawing the funds at any time without penalty.

Today's Rates on
Business Share Certificate Accounts*
Regular Business Share Certificate, $1,000 minimum balance to open
Term
$1,000 - $9,999 Balance
$10,000 - $24,999 Balance
$25,000+ Balance

APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
3 Months 0.21% 0.21% 0.21% 0.21% 0.21% 0.21%
6 Months 0.22% 0.22% 0.22% 0.22% 0.22% 0.22%

Regular Business Share Certificate, $300 minimum balance to open
Term
$300 - $9,999 Balance
$10,000 - $24,999 Balance
$25,000+ Balance

APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
12 Months 0.28% 0.28% 0.31% 0.31% 0.34% 0.34%
18 Months 0.34% 0.34% 0.36% 0.36% 0.38% 0.38%
24 Months 0.48% 0.48% 0.51% 0.51% 0.55% 0.55%
36 Months 0.63% 0.63% 0.66% 0.66% 0.69% 0.69%
48 Months 0.87% 0.87% 1.01% 1.01% 1.06% 1.06%
60 Months 1.21% 1.20% 1.26% 1.25% 1.31% 1.30%

Dividends At Maturity Business Certificate, $1,000 minimum balance to open(1)
Term
$1,000 - $9,999 Balance
$10,000 - $24,999 Balance
$25,000+ Balance

APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
11 Months 0.48% 0.48% 0.50% 0.50% 0.53% 0.53%

Progressive “Step-Up” Business Certificate, $1,000 minimum balance to open(2)
Term
$1,000 - $9,999 Balance
$10,000 - $24,999 Balance
$25,000+ Balance

APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
25 Months 0.62% 0.62% 0.65% 0.65% 0.68% 0.68%

Penalty-Free Business Certificate, $1,000 minimum balance to open(3)
Term
$1,000 - $9,999 Balance
$10,000 - $24,999 Balance
$25,000+ Balance

APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
APY**
DIVIDEND RATE
15 Month Term 0.47% 0.47% 0.50% 0.50% 0.53% 0.53%
*Unless otherwise disclosed, dividends are calculated daily and paid quarterly. A penalty may be imposed for early withdrawal, which may reduce account earnings. Rates are subject to change. At maturity, certificates will automatically renew for same term at the current market rate if not withdrawn, except where disclosed differently. Additional 1/4% will be added for direct deposit into a TopLine checking account on certificate terms of 36 months or longer. Rates accurate as of 11/16/17. Rates may change after account is opened.
**APY means Annual Percentage Yield.
(1) Dividends are paid at maturity. Certificate will automatically renew at maturity into a 6-month regular certificate at the current market rate if not withdrawn.
(2) A one-time rate adjustment to the current day's published rate for the 24-month $10,000 tier at any one time during the initial term is allowed. Certificates automatically renew at maturity into a 24-month certificate at the current published rate if not withdrawn.
(3) Monies can be withdrawn at any one time without penalty as long as the minimum required to earn interest is maintained. Certificates automatically renew at maturity into a 12-month certificate at the current published rate if not withdrawn.


Todays Rates

Have Direct Deposit into a TopLine business checking account? Enjoy an additional 0.25%APY on any Regular Business Share Certificate term 36 months or longer!
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763-391-9494 in the Minneapolis/St. Paul Minnesota area. Outside metro area, call 800-626-1448.
© 2017 TopLine Federal Credit Union | 9353 Jefferson Highway Maple Grove, MN 55369 | Routing # 291074696
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