Financial Education

We all have financial habits, good and bad. At TopLine, we are happy to provide you with access to free financial education services you need to make the best decisions to suit your lifestyle and help you keep your finances in order.

Financial Counseling and
Debt Management Services

As a TopLine Financial Credit Union member, you and your family have access to six (6) free private and confidential financial education counseling sessions annually with a certified consumer credit counselor from LSS Financial Counseling. Sessions are available by phone, in-person or online.

Call 1-800-528-2926 or visit LSS online to schedule your free session today! 
Spanish and Hmong speaking counselors are available by request.

Available Services

Budget Counseling

Debt Management*

Credit Reports

Housing Counseling

Student Loan Counseling

Financial Education

*Fees may apply for this service. Call 1-800-528-2926 for more details.

How TopLine Members Benefit from LSS Services:

A TopLine member attended a seminar and learned about the Financial Choice benefit available to her as a member. She was able to meet with an LSS certified financial counselor a few times over the next six months to work on improving credit. Due to her hard work and the information she learned from the financial counselor, her credit score improved significantly (over 80 points!), paving the way to better credit options in the future.


The Johnsons were affected by the pandemic and were able to work with LSS Financial Counseling certified financial and housing counselors to address their situation in a holistic manner. They received guidance regarding their mortgage. The Johnsons were also able to utilize the Debt Management Plan to pay off their credit card debts with an affordable payment.


A TopLine member attended the LSS student loan seminar. Afterwards, he made an appointment with an LSS certified student loan counselor to learn more about his student loan options. In the past, he had felt overwhelmed and did not know where to start so the student loans were ignored. Now, he was ready to make amends with his financial past. Over the course of multiple appointments, the member made a budget, learned how to access his account information on and figured out what his payment would look like. Going forward, he feels confident that he has a clear plan to resume payments on his loans!

Online Security

As convenient as it is, life online is not without risk. As technology advances and new threats emerge, TopLine can arm you with the tools you need help you keep your accounts-and your identity-secure.

Learn More

Seminars and Events

From long-term care to college planning, TopLine offers practical financial seminars across a wide range of topics-all in a comfortable, no pressure environment that's free and open to the public. Join us!

Learn More

Youth Financial Literacy Programs

It's never too early to talk with your kids about money. That's why TopLine Financial Credit Union is committed to Get Smart With Your MoneyTM—an ongoing financial literacy initiative in our Minneapolis/St. Paul communities that encourages kids and their parents to talk about spending and saving wisely.

Programs for Every Age

Building Dreams (Ages 5-8)      Dollar Power (Ages 9-13) Dollars & Sense (Ages 14-18)

Tip Sheets

Even when things are going well, we sometimes need a little guidance to stay on track. TopLine is here to help you do just that with these easy-to-download tip sheets:

Budget Building Tip Sheet      Credit Building Tip SheetMoney Tip Sheet

Credit Report Review

Obtaining your credit report is easy and is recommended on an annual basis. We're happy to help you with the process. Visit or call 1-877-322-8228 to request your FREE annual credit report, then stop by any TopLine branch location to arrange your free credit report review.

Additional Resources

Sample Credit Report     Credit Score Basics

Need more help?

Call, email or stop by any branch location. We're happy to assist you.
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