(763) 391-9494 Routing #: 291074696
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TopLine Retirement Accounts (IRAs)

Whether you’re saving for retirement or the kids’ college fund, a TopLine Financial Credit Union IRA can offer tax advantages and exceptional long-term growth. Whether choosing an IRA Money Market account or one of our IRA Share Certificates, you’ll enjoy free 24/7 online and mobile account access, eStatements and more. TopLine offers Traditional, Roth and Coverdell Education Savings options to fit your future needs.

Explore Our IRA Options

Traditional IRAs

A TopLine Traditional IRA lets you save for retirement and defer taxes on contributions and earnings until you start making your IRA account withdrawals. Annual contribution limits vary according to age, regardless of income.

Roth IRAs

Need more flexibility? While TopLine Roth IRA contributions are not tax-deductible, earnings can be withdrawn tax-free for qualifying purposes after five years. Annual contribution limits vary by age and income.

Coverdell Education Savings

Save for your kids’ college, elementary or secondary education expenses—from tuition to classroom supplies—with a TopLine Coverdell Account. Though not tax-deductible, contributions can be withdrawn tax-free and penalty-free.

Frequently Asked Questions

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Important Disclosures

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. Click here for more details. The NCUA Electronic Share Insurance Estimator is available to help members better understand the protection offered.​​​​​​​

*APY = Annual Percentage Yield. Rate accurate as of the last dividend declaration date. Membership with $5.00 share savings account required. Minimum balance of $1,000 to qualify for a certificate. Unless otherwise disclosed dividends are calculated daily and paid quarterly. A penalty may be imposed for early withdrawal. At maturity, the certificate will automatically renew for current term and new dividend rate, unless otherwise disclosed, and if not withdrawn. Balances that fall below the minimum will not earn dividends and may incur a monthly fee which will reduce account earnings. Fees could reduce earnings. Visit TopLinecu.com or call 763-391-9494 for more details about rates and terms.