763-391-9494
TopLine Federal Credit Union





Our objective is simple: TopLine Federal Credit Union is here to help Minnesota banking consumers by providing financial education and exceptional service based on your personal situation - to help you be smart with your money.



Family & Home

Throughout the years, you may be working on your career, getting married, having a baby, retiring – life is full of possibilities. At TopLine, we are dedicated to making it easy and convenient for you to do your personal banking with us. That means providing you valuable and convenient products and services to make your life easier.

Tip Sheets

TopLine is here to help and every once in awhile, you want to learn a little more.  Enjoy these tip sheets.


Purchasing a Car

 Make TopLine Federal Credit Union your first stop if you’re thinking about purchasing or refinancing a vehicle. TopLine offers new and used auto loans with flexible terms, competitive rates and a variety of repayment options.

Online Loan Calculator: Want to know how much that new car will cost each month?  Use our online loan calculators to help you determine the financing and payment options that are best for you. The online calculator will display the results along with an optional payment schedule.

Get pre-approved: Before you do your car shopping, apply online, over the phone at 763-391-9494 or stop by any branch location for maximum purchasing and negotiating power. Plus you’ll be able to shop with confidence knowing how much you can afford.

Apply Online
Complete your loan application online and in most cases you'll receive approval in just seconds.

Credit Report: Obtaining your credit report is easy and is recommended on an annual basis.  At TopLine Federal Credit Union, your Minneapolis/St Paul community personal financial education and banking credit union, we’re happy to help you with the process and review the information in detail.  Stop in any of our branch locations or call us at 763-391-9494 to arrange your free credit report review

You can request your free credit report online, over the phone at 1-877-322-8228, or by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Car Buying Service:  If you’re in the market for a new or used car, TopLine can help. As a member/owner of CU Companies, you have exclusive access to our free complete car-buying service.

At Minneapolis/St Paul-based TopLine, we also offer optional car loan insurance to protect your asset and your credit:
Guaranteed Asset Protection (GAP):  Covers the difference between a vehicle’s cash value and the loan balance in the event it is totaled or stolen.
Mechanical Breakdown Protection:  Coverage that reduces the possibility of out-of-pocket expenses in the event a vehicle stuffers an unexpected mechanical failure.

As your Minneapolis/St. Paul area credit union, we want to help you make smart loan decisions.  Contact us if you have any questions.

Purchasing/Refinancing a Home

Purchasing/Refinancing a Home

Finding a home is hard work.  Financing it shouldn’t be.  At your Twin Cities metro area credit union, TopLine, we will make the home loans process as easy as possible. 

Whether you are looking to buy your first home, second home or to refinance, you'll save money, pay fewer closing costs and spend less on what you borrow at TopLine. 

TopLine is a full-service mortgage lender, which means we offer just about every kind of home loan available.  Whether you are looking for traditional mortgages, second mortgages or jumbo loans, we’ll explain your options and help you every step of the way.

Online Mortgage Loan Calculators
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There are many financial decisions involved in purchasing or refinancing a home. Use our online mortgage calculators to determine what type of mortgage is best for you, how much you can afford, estimate your monthly payments, compare your options, and more.

Our online home loan resource center will take the mystery out of the mortgage process.  You can review up-to-date home loan rates in Minnesota, review different types of mortgages, use calculators, and more.

Pre-qualify today.  Applying is free and easy, plus you'll have an answer fast. Before you do your home shopping, apply online, over the phone at 763-391-9494 or stop by any branch location for maximum purchasing and negotiating power. Plus you’ll be able to shop with confidence knowing how much you can afford.

Current rates for home loans in Minnesota.

Sign up for free personalized rates delivered right to your email address.  Just tell us what rate you are looking for and we will send you an email when it becomes available. If you prefer to keep an eye on a variety of rates, sign up for daily, weekly, or monthly email updates. There's no longer a need to monitor rates on home loans in Minnesota. We'll do it for you!

Searching for a home. The most expensive purchase most people ever make is buying a new home.  Whether you’re buying or selling a home in Minnesota - or both, the Real Estate professionals at Minneapolis/St. Paul-based CU Realty, Inc. can assist you with the entire real estate process. They are a full-service realty company with experienced agents who work at a low commission rate of just 4.95%.

Credit Report. Obtaining your credit report is easy and is recommended on an annual basis.  At TopLine Federal Credit Union, your Minneapolis/St. Paul community personal financial education and banking credit union, we’re happy to help you with the process and review the information in detail.  Stop in any of our branch locations or call us at 763-391-9494 to arrange your free credit report review

You can request your free credit report online, over the phone at 1-877-322-8228, or by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

At TopLine, your Minneapolis/St. Paul metro-based community credit union, our mortgage loan consultants will help you make smart decisions about home loans.  We make sure you’re getting the right mortgage for the right reasons.  And we do everything in our power to ensure that you get the very best deal.

Mortgages are serviced right here in Minnesota, at Twin-Cities based TopLine Federal Credit Union, rather than by a lender in another state. You will have the convenience of making your payment in person at any TopLine Minneapolis/St Paul metro location, over the phone or via online banking.
 

Getting Married

Now that you will be sharing your lives together, you’ll start sharing finances too. Shuffling together different credit histories, bank accounts and even money management styles can be complicated. TopLine is here to help.

Paying for the wedding is just the beginning. There are all kinds of financial considerations for the newly married, or about-to-be married couples to take into account.  From combining assets, to long-term joint financial planning, to insuring a spouse, TopLine is your go-to source to make your transition to a shared financial life a smooth one.

TopLine offers a variety of accounts and services to help you with your new life whether you’re planning to consolidate your accounts or maintain them separately.

Checking Accounts:  It all starts with checking – the most basic convenience tool for your every day spending.  At TopLine, we offer a variety of checking accounts with easy 24/7 online access and competitive rates.  Plus you’ll enjoy access to your money with our TopLine check card.  You’ll have access to a nationwide network of surcharge free ATMs and you will even be able to get cash back at the checkout line at major retailers like Target.

With TopLine’s Online Banking you can access and manage all your account information free online, anytime, anywhere.  Plus you can sign-up for TopLine's free E-statement service and enjoy the ease of receiving your credit union account statement electronically. You can also save money and time when you pay your bills online with TopLine's free Online Bill Pay.

You’ll be able to balance your checkbook, review your account, pay bills and more, all 24 hours a day from anywhere you have Internet access.

Credit Cards:  Some credit cards offer discounts and privileges, but you have to pay an annual fee to get them. Other credit cards are free, but they don't have many special features.  At TopLine, you’ll get the best of all worlds with our Platinum Visa credit card or Platinum Rewards Visa credit card. With no annual fees, hidden costs, or sneaky fees, TopLine Visa is a great way to begin to establish your credit. By using it responsibly and making your monthly payments on time, you will begin to establish a positive foundation for your credit history.

Online Calculators: Want to know how much that new car or home will cost each month? Or how much money you need to put aside to achieve your savings goals? Use our online loan calculators to help manage your budget.

Apply Online
Complete your loan application online, and in most cases you'll receive approval in just seconds.

Our online home loan resource center will take the mystery out of the mortgage process.  You can review up-to-date home loan rates in Minnesota, review different types of mortgages, use calculators, and more.

Searching for a home
. The most expensive purchase most people ever make is buying a new home.  Whether you’re buying or selling a home in Minnesota - or both, the Real Estate professionals at Minneapolis/St. Paul-based CU Realty, Inc. can assist you with the entire real estate process. They are a full-service realty company with experienced agents who work at a low commission rate of just 4.95%.

Credit Report. Obtaining your credit report is easy and is recommended on an annual basis.  At TopLine Federal Credit Union, your Minneapolis/St Paul community personal financial education and banking credit union, we’re happy to help you with the process and review the information in detail.  Stop in any of our branch locations or call us at 763-391-9494 to arrange your free credit report review

You can request your free credit report online, over the phone at 1-877-322-8228, or by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Investment Services: At Minnesota-based TopLine Investment Services, we have the financial management services, investment and insurance products, and financial advisor knowledge you’d expect. TopLine provides professional financial planning, investment services, insurance and retirement plans to help you achieve your financial goals and prepare for life’s biggest events, whether it’s saving for a new home, a college education or a comfortable retirement. 

Let TopLine help simplify your life and help you be smart with your money.

Having a Baby

It’s an exciting time – and an expanding family changes your finances too. A baby brings about a new set of financial priorities and responsibilities, from budgeting and saving to college funding.  TopLine is here to help.

There are several considerations for new parents or about-to-be new parents to take into account. You’ll want to set-up a financial budget that takes into account expenses for food and diapers, medical insurance and child care. TopLine is here to be your go-to source to make your transition a smooth one.

TopLine offers a variety of accounts and services to help you with your new life.

Savings Accounts
:  A savings account is an easy way to save money, whether it is a few dollars a month automatically deposited or a lump sum. Your Minneapolis/St. Paul area credit union, TopLine, offers a variety of savings account options with low or no minimum balance requirements, easy online access and competitive rates.

Youth Savings Accounts
: Starting the savings habit early helps kids learn to get smart with their money — whether they're toddlers, teens, or college students. For young savers ages birth through 22, this youth bank account requires no minimum balance, has no monthly account fees, and pays interest on balances of any amount. An adult co-owner is required for account holders under age 18.

Checking Accounts It all starts with checking – the most basic convenience tool for your every day spending.  At TopLine, we offer a variety of checking accounts with easy 24/7 online access and competitive rates.  Plus you’ll enjoy access to your money with our TopLine check card. You’ll have access to a nationwide network of surcharge free ATMs and you will even be able to get cash back at the checkout line at major retailers like Target.

With TopLine’s Online Banking you can access and manage all your account information free online, anytime, anywhere.  Plus you can sign-up for TopLine's free E-statement service and enjoy the ease of receiving your credit union account statement electronically. You can also save money and time when you pay your bills online with TopLine's free Online Bill Pay.

You’ll be able to balance your checkbook, review your account, pay bills and more, all 24 hours a day from anywhere you have Internet access.

Credit Cards
:  Some credit cards offer discounts and privileges, but you have to pay an annual fee to get them. Other credit cards are free, but they don't have many special features. At TopLine, you’ll get the best of all worlds with our Platinum Visa credit card or Platinum Rewards Visa credit card. With no annual fees, hidden costs, or sneaky fees, TopLine Visa is a great way to begin to establish your credit. By using it responsibly and making your monthly payments on time, you will begin to establish a positive foundation for your credit history.

Online Calculators will help you manage your budget.

Apply Online Complete your loan application online, and in most cases you'll receive approval in just seconds.

Our online home loan resource center will take the mystery out of the mortgage process.  You can review up-to-date home loan rates in Minnesota, review different types of mortgages, use calculators, and more.

Searching for a home. The most expensive purchase most people ever make is buying a new home.  Whether you’re buying or selling a home in Minnesota - or both, the Real Estate professionals at Minneapolis/St. Paul-based CU Realty, Inc. can assist you with the entire real estate process. They are a full-service realty company with experienced agents who work at a low commission rate of just 4.95%.

Credit Report. Obtaining your credit report is easy and is recommended on an annual basis.  At TopLine Federal Credit Union, your Minneapolis/St Paul community personal financial education and banking credit union, we’re happy to help you with the process and review the information in detail.  Stop in any of our branch locations or call us at 763-391-9494 to arrange your free credit report review

You can request your free credit report online, over the phone at 1-877-322-8228, or by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Investment Services: At Minnesota-based TopLine Investment Services, we have the financial management services, investment and insurance products and financial advisor knowledge you’d expect. TopLine provides professional financial planning, investment services, insurance and wills and college funding assistance to help you achieve your financial goals.

Let TopLine help simplify your life and help you be smart with your money.

Retirement

Personalized Investment Management Services. TopLine provides professional financial planning, investment services, insurance and retirement plans to help you achieve your financial goals and prepare for life’s biggest events, whether it’s saving for a new home, a college education or a comfortable retirement. 

It’s never too early to start preparing for retirement.  TopLine Investment Services offers retirement planning services to help you understand which savings vehicles are most advantageous for you – whether it’s a 401(k) plan, IRAs, mutual funds, annuities or some combination.

Our Financial Advisors at TopLine Investment Services have over 38 years of industry experience and have achieved the Chartered Financial Consultant (ChFC ) designations. They are securities and insurance licensed Minneapolis/St Paul-based financial planners who will listen to your needs and help you put together the right approach based on your specific goals and situation.  All consultations are free, and there is never any obligation to invest.

Insured Savings Accounts
:  TopLine offers a variety of savings options to fit your lifestyle with easy 24/7 online access and competitive rates.  Whether your looking to save in a basic account, money market or certificate, we’re here to help you save smart.  And when you save at TopLine, you can save with confidence because your savings are insured up to at least $250,000 by the National Credit Union Administration, a federal agency.

Individual Retirement Accounts (IRA):  An IRA personal savings plan is an excellent way to save for retirement and may offer tax advantages too.  Both high-yielding IRA Certificates and IRA Money Market savings accounts are available.

Retirement Calculators
:  Use our Retirement Calculator to help you determine the amount of money to save each year in order to achieve your financial goals.

With TopLine’s Online Banking you can access and manage all your account information free online, anytime, anywhere.  Plus you can sign-up for TopLine's free E-statement service and enjoy the ease of receiving your credit union account statement electronically. You can also save money and time when you pay your bills online with TopLine's free Online Bill Pay.

You’ll be able to balance your checkbook, review your account, pay bills and more, all 24 hours a day from anywhere you have Internet access.

Shared Branches:  As a member of Minneapolis/St. Paul-based TopLine, it’s easy to do your banking when you are away. You’ll enjoy convenient access to your credit union account at other participating credit union branch locations – all for free. Shared branching provides you access to thousands of convenient locations across the nation where you can perform transactions just like you were visiting a Minnesota-based TopLine branch.

Credit Report: Obtaining your credit report is easy and is recommended on an annual basis.  At TopLine Federal Credit Union, your Minneapolis/St Paul community personal financial education and banking credit union, we’re happy to help you with the process and review the information in detail.  Stop in any of our branch locations or call us at 763-391-9494 to arrange your free credit report review

You can request your free credit report online, over the phone at 1-877-322-8228, or by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Let TopLine help simplify your life and help you be smart with your money.

When the Unexpected Happens

When the unexpected happens you need to be prepared. Learn more about how to manage your personal finances during life’s difficult times. Start planning now so you’ll be prepared.

Building an emergency fund to get you through tough times is a smart idea. Setting aside money on a monthly basis in a liquid savings account can assist you with accumulation and help prepare you for those times when you may need a little extra cash.

Online Calculators
will help you manage your budget.

Managing your money and debt Everyone can use more ways to keep organized in our busy world, especially when it comes to finances – and your financial literacy. That's why TopLine has teamed up with LSS Financial Counseling Services, a nationally-recognized, Minnesota non-profit organization to provide access to free financial education services to better manage your personal finances. You and your family have access to up to six (6) free confidential financial education counseling sessions annually with a certified consumer credit counselor from LSS Financial Counseling. Sessions include budget counseling, debt management, housing counseling, bankruptcy services and more, and are available by phone at 1-800-528-2926, in-person or online.

Credit Report. Obtaining your credit report is easy and is recommended on an annual basis.  At TopLine, we’re happy to help you with the process and review the information with you in detail.  Stop in any of our branch locations or call us at 763-391-9494 to arrange your free credit report review.

You can request your free credit report online, over the phone at 1-877-322-8228, or by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Investment Services: At Minnesota-based TopLine Investment Services, we have the financial management services, investment and insurance products and financial advisor knowledge you’d expect. TopLine provides professional financial planning, investment services, insurance and wills and college funding assistance to help you achieve your financial goals.

Personal loans are available when you need some extra money. Choose from competitive fixed or variable rates, flexible terms and convenient repayment options.

Optional car loan insurance is also offered at Minneapolis/St. Paul-based TopLine.  Guaranteed Asset Protection (GAP) covers the difference between a vehicle’s cash value and the loan balance in the event it is totaled or stolen.
Mechanical Breakdown Protection is coverage that reduces the possibility of out-of-pocket expenses in the event a vehicle stuffers an unexpected mechanical failure. Call TopLine at 763-391-9494 to speak with an expert.

Let TopLine help simplify your life and help you be smart with your money.
 

Seminars

Seminars

Chances are you’ve got some questions about money.  And some areas where you could use a little help, whether you are wondering about long-term care insurance, saving for college or retirement, estate planning, buying a new home or starting your own business, it’s easy to feel overwhelmed.

If you’re looking for practical financial education tips across a wide range of topics in a comfortable, no pressure environment, consider Minneapolis/St. Paul-based TopLine as your financial education and banking resource. All financial education seminars are held at our Maple Grove Learning Center at 9353 Jefferson Highway.  All seminars are free, but reservations are required.  To reserve your spot click here, call us at 763-391-9494 or stop by any branch location.


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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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