763-391-9494
TopLine Federal Credit Union


Share Certificates
Investing in a Share Certificate is a smart choice if you are looking for a traditional savings option which pays a guaranteed rate of return. At TopLine, your Minneapolis/St. Paul-based banking resource, we offer a variety of certificate options. No matter which account you choose, you'll enjoy these free benefits:

Regular Share Certificates: If you are looking for a traditional termed deposit account, a Regular Share Certificate is for you. Terms available range from 90 days to five years and the minimum to deposit requirement is just $300 for terms 12 months or longer or $1,000 for terms less than 12 months. The more you deposit, the more you’ll earn. 

Interest at Maturity 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 Certificates: Have the flexibility to take advantage of higher rates with TopLine’s Progressive Certificate because you can step-up the dividend rate to the current published rate any one time during the 25-month term.

Penalty Free Certificates: This 15-month certificate is a smart banking option if you want to invest in a certificate at Minneapolis/St. Paul-based TopLine 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 your money at any time without penalty. 

Save with confidence. Your TopLine certificates of deposit, checking and savings accounts are insured to at least $250,000 and IRA's are insured for an additional $250,000 by the National Credit Union Administration (NCUA), a federal agency. Access the NCUA's e-calculator to review your insurance coverage. Call us at 763-391-9494 for assistance. This credit union is federally insured by the National Credit Union Administration.


Today's Rates on Share Certificate Accounts*
Regular 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 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 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 0.28% 0.28% 0.30% 0.30% 0.33% 0.33%

Progressive “Step-Up” 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 0.42% 0.42% 0.45% 0.45% 0.48% 0.48%

Penalty-Free 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 Months 0.27% 0.27% 0.30% 0.30% 0.33% 0.33%
*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 08/10/17.
**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 checking account? Enjoy an additional .25% APY on any Regular Share Certificate term 36 months or longer!
Apply for a Loan Open a New Account Become a Member Contact




Facebook Twitter Pinterest Google + YouTube linkin-social (1K) Instagram
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
Home | About Us | Contact Us | Personal Banking | Business Banking | Online Account Access | Rates | Locations | Site Map | Privacy
Equal Housing Lender VeriSign BBB