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.



Young Adults

As a young adult, you may be headed off for college, working on your career, getting married, expecting a baby – life is full of possibilities. At TopLine Federal Credit Union, we are dedicated to making it easy and convenient for you to do your personal banking with us.

Tip Sheets

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


Leaving for College

College is a time of new found freedom for many students and may be the first time you’ll live on your own and manage your own finances. Some of the most valuable lessons you will learn won't come from a book, but from experiences. You’ll need to understand basic money management skills such as living within a budget and handling credit and debt. As long as you're able to plan ahead and take charge of your money, the financial skills you learn will benefit you for the rest of your life.

At TopLine Federal Credit Union we can help you manage your money and build your personal finance knowledge. We understand your needs and preferences are unique. That’s why we offer a variety of checking and savings accounts with easy 24/7 online access and competitive rates. A checking and savings account will help you track how much money you have, offer vehicles for paying for your expenses, and be a place to deposit any income.

Educational Scholarships

Scholarship money is available every October from the Minnesota Family Involvement Council for any person who is a member of a Minnesota credit union in good standing and planning to pursue/continue post high-school education eligible. There are no fees to apply. Check back in the Fall for further details and to apply.

The Minnesota Family Involvement Council (FIC) is a volunteer organization made up of representatives from credit unions around the state of Minnesota to enhance the future of the credit union movement by promoting financial awareness and financial education.



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.

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 at participating retailers or get cash back when you use your card to pay.

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.

Expanded Branch Network: As a member of Minneapolis/St. Paul-based TopLine, it’s easy to do your banking when you are away at college. 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 to perform transactions just like you were visiting a Minnesota-based TopLine branch.

Scholarships: Each year the Minnesota Family Involvement Council (MNFIC) offers thousands of dollars in college scholarships to college-bound credit union members. New applications are available each fall and accepted through January. For more details, visit MNFIC’s scholarship webpage.

To search for other scholarship opportunities, grants, find student loans, explore colleges, discover careers and majors, interact with other students online and more, visit Careers and Colleges, 360 Degrees of Financial Literacy, Fast Web or College Net.

TopLine Investment Services also offers college funding advice. Contact TopLine Investment Services to schedule your free, no obligation consultation. Call 763-391-9494 or send email to Investment Services.

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.

Reloadable Cards: Whether you're out for a night-on-the-town, paying tuition, traveling, making purchases online or managing monthly finances, you can use TopLine’s Visa Reloadable Prepaid Card to make purchases at millions of locations worldwide - anywhere Visa is accepted. Plus, you can get cash at any Visa/Plus® ATM 24 hours a day, 7 days a week.

Purchasing a Car

Make TopLine Federal Credit Union your first stop if you’re thinking about purchasing or refinancing a vehicle. TopLine offers 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 you'll be able to chat live with a TopLine loan representative during the process. 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, 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.

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 suffers 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 a Home

Finding a home is hard work.  Financing it shouldn’t be.  At your Minneapolis/St. Paul area credit union, TopLine, we will make the home loan process as easy as possible and you'll save money, pay fewer closing costs and spend less on what you borrow.

TopLine is a full-service mortgage lender, which means we offer just about every kind of home loan available.  We also have a first-time home buyers program to assist you with your very first home purchase. We’ll explain your options and help you every step of the way.

Online Mortgage Loan Calculators.  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's 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 from a full-service personal and business banking institution. 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 kinds of financial considerations for new parents. 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 zero 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.


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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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