Savings Rates
Money Market Savings Accounts*
| ACCOUNT TYPE | BALANCE | APY** | DIVIDEND RATE |
|---|---|---|---|
|
Investors Account |
$1,000 - $9,999 | 0.35% | 0.35% |
| $10,000 - $24,999 | 0.45% | 0.45% | |
| $25,000 - $49,999 | 0.55% | 0.55% | |
| $50,000 - $99,999 | 0.65% | 0.65% | |
| $100,000 or more | 0.75% | 0.75% | |
|
Premium Account |
$10,000 - $24,999 | 0.50% | 0.50% |
| $25,000 - $49,999 | 0.60% | 0.60% | |
| $50,000 - $99,999 | 0.75% | 0.75% | |
| $100,000 or more | 0.90% | 0.90% | |
|
TopLine Account |
$25,000 - $49,999 | 0.65% | 0.65% |
| $50,000 - $99,999 | 0.80% | 0.80% | |
| $100,000 or more | 1.20% | 1.19% |
*Rates are subject to change after account has been opened. Balances that fall below the minimum will not earn dividends and may incur a monthly fee, which will reduce account earnings. Dividends are calculated daily and paid monthly. **APY means Annual Percentage Yield. Fees could reduce earnings. APY is accurate as of 7/01/25 the last dividend declaration date.
† Free checks are available upon request. Up to three checks may be written per month.
Regular, Roth & Coverdell IRA Money Market Savings*
| BALANCE | APY** | DIVIDEND RATE |
|---|---|---|
| Less than $1,000 | 0.35% |
0.35% |
|
$1,000 - $9,999 |
0.45% |
0.45% |
|
$10,000 - $19,999 |
0.50% | 0.50% |
|
$20,000 - $49,999 |
0.65% | 0.65% |
|
$50,000 - $74,999 |
0.80% | 0.80% |
|
$75,000 or more |
1.20% | 1.19% |
*Rates are subject to change after account has been opened. Balances that fall below the minimum will not earn dividends and may incur a monthly fee, which will reduce account earnings. Dividends are calculated daily and paid monthly. **APY means Annual Percentage Yield. Fees could reduce earnings. APY is accurate as of 7/01/25 the last dividend declaration date.
Share Savings Accounts*
| ACCOUNT TYPE: | BALANCE | APY** | DIVIDEND RATE |
|---|---|---|---|
| Basic Share Savings | $100 - $4,999 | 0.06% | 0.06% |
| $5,000 - $9,999 | 0.11% | 0.11% | |
| $10,000 - $49,999 | 0.11% | 0.11% | |
| $50,000 or more | 0.11% | 0.11% | |
| Savings Plus | $0 - $4,999 | 0.11% | 0.11% |
| $5,000 - $9,999 | 0.16% | 0.16% | |
| $10,000 - $49,999 | 0.16% | 0.16% | |
| $50,000 or more | 0.16% | 0.16% | |
| TopLine Savings | $5,000 - $24,999 | 2.00% | 1.98% |
| $25,000 - $49,999 | 2.70% | 2.67% | |
| $50,000 - 99,999 | 2.80% | 2.76% | |
| $100,000 - $149,999 |
3.45% |
3.40% | |
| $150,000 - $249,999 | 3.55% | 3.49% | |
| $250,000 or more | 3.70% | 3.64% | |
| Young Savers† | No minimum required | 0.21% | 0.21% |
| Savings Direct | $100 or more | 0.16% |
0.16% |
| WINcentive® Savings | $5 or more | 0.21% | 0.21% |
*Rates are subject to change after account has been opened. Balances that fall below the minimum required will not earn dividends and may incur a monthly fee, which may reduce account earnings. Dividends are calculated daily and paid monthly. **APY means Annual Percentage Yield. Fees could reduce earnings. APY is accurate as of 7/01/25 the last dividend declaration date.
WINcentive Savings® complete terms, conditions and official rules.
†$25 match offer on new Young Savers account only, one account per member. Maximum match is $25 and will be reported as income on the account holders 1099-MISC. statement. After 30 days match will be deposited. If account is closed within 90 days, match amount maybe forfeited.
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).
TopLine does business in accordance to the Federal Fair Lending Laws and Equal Credit Opportunity Acts.