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Topeka Police Credit Union Rates & Review November 2026

Topeka Police Credit Union's CDs - 12 Month (A) rates are at 3.50%, CDs - 6 Month (B) rates are at 3.00%, CDs - 3 Month (C) rates are at 2.00%, Kid's CDs - 6 Month rates are at 5.00%, 3 Year Special CD rates are at 4.00%. Topeka Police Credit Union's checking rates are as high as 0.10%. Topeka Police Credit Union's Student Loan Rates are as low as 12.25%. Topeka Police Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Topeka Police Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.27%. Rates last updated and verified on 10/30/2026.

Topeka Police Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Topeka Police Credit Union? Share your experience about Topeka Police Credit Union by leaving a review below, or read customer reviews before you decide to use Topeka Police Credit Union.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.27%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Topeka Police Credit Union
Topeka Police Credit Union
320 S Kansas Ave Ste 100
Topeka, KS 66603-3644
https://toppdcu.com
Member NCUA
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Topeka Police Credit Union CD Rates

Product Rate APY Term View More
Kid's Certificates - 6 Month 4.91% 5.00% 6 Month
Min Deposit $100
Details Kids Share Certificates (Under 18); $100.00 opening balance; unlimited deposits allowed; Early withdrawal: for certificates 12 months or shorter, penalty of ninety (90) days' dividends
Last Updated 10/30/2026
Rate History
No change since Sep 22, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 22, 2026: 5.00% APYSep 22, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
3 Year Special Certificate 3.94% 4.00% 3 Year
Details Annual % Rate 3.94%; Annual % Yield 4.00%; Rate code (U)
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Special Share Certificate - 12 Month (AAA) 3.95% 4.00% 12 Month
Min Balance $100,000
Details Balance: $100,000 and over (balance cell blank in source; band taken from the grouped row above)
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Special Share Certificate - 12 Month (AA) 3.70% 3.75% 12 Month
Min Balance $50,000
Details Balance: $50,000 - $99,999 (balance cell blank in source; band taken from the grouped row above)
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Special Share Certificate - 6 Month (BBB) 3.70% 3.75% 6 Month
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Share Certificates - 12 Month (A) 3.46% 3.50% 12 Month
Min Deposit $500
Details Effective 03/03/2026; Annual % Rate APR - 3.46%; compounded quarterly
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Special Share Certificate - 6 Month (BB) 3.46% 3.50% 6 Month
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Share Certificates - 6 Month (B) 2.97% 3.00% 6 Month
Min Deposit $500
Details Effective 03/03/2026; Annual % Rate APR - 2.97%; compounded quarterly
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Share Certificates - 3 Month (C) 1.99% 2.00% 3 Month
Min Deposit $500
Details Effective 03/03/2026; Annual % Rate APR - 1.99%; compounded quarterly
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%

Topeka Police Credit Union Savings Rates

Product Rate APY View More
Christmas Club 0.50% 0.50%
Details Paid annually on 11/01; no dividend paid if funds withdrawn prior to 11/01 of calendar year
Last Updated 10/30/2026
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Share Accounts 0.25% 0.25%
Min Deposit $5
Min Balance $25
Details Dividends compounded quarterly; $25.00 minimum quarterly average balance
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Vacation Club 0.10% 0.10%
Min Balance $25
Details Dividends compounded quarterly; $25.00 minimum quarterly average balance
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%

Topeka Police Credit Union Checking Rates

Product Rate APY View More
Share Draft (Checking) 0.10% 0.10%
Min Deposit $25
Min Balance $5,000
Details Dividends compounded monthly; $5,000.00 minimum average balance
Last Updated 10/30/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%

Topeka Police Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Vehicle Loan - - 5.49% Up to 60 months
Details As Low As; APR Type: Fixed; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
Last Updated 10/30/2026
Rate History
No change since Oct 10, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Used Vehicle Loan - 2025 - 2021 - - 5.99% Up to 60 months
Details As Low As; Vehicle Year: 2025 - 2021; APR Type: Fixed; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. Please contact credit union for loan amount requirements for terms greater than 60 months.
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 5.99% APR · checked 3 times
5.49%5.99%6.49%Oct 19, 2026: 5.99% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Used Vehicle Loan - 2020 - 2016 - - 6.49% Up to 60 months
Details As Low As; Vehicle Year: 2020 - 2016; APR Type: Fixed; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. Please contact credit union for loan amount requirements for terms greater than 60 months.
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 6.49% APR · checked 3 times
5.99%6.49%6.99%Oct 19, 2026: 6.49% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Used Vehicle Loan - 2015 & Older - - 7.49% Up to 60 months
Details As Low As; Vehicle Year: 2015 - older; APR Type: Fixed; for 72 months add 0.25%. Please contact credit union for loan amount requirements for terms greater than 60 months.
Last Updated 10/30/2026
Rate History
No change since Oct 19, 2026 · 7.49% APR · checked 3 times
6.99%7.49%7.99%Oct 19, 2026: 7.49% APROct 19, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%

Topeka Police Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
RVs Loan - 6.99%
Details As Low As; APR Type: Fixed; Term limits apply. Please contact credit union for details.
Last Updated 10/30/2026
Rate History
1 change since Sep 14, 2026 · 7.99% → 6.99% ▼ 1.00 pts · high 7.99% / low 6.99%
5.99%7.49%8.99%Sep 14, 2026: 7.99% APROct 14, 2026: 6.99% APRSep 14, 2026Nov 2, 2026
  • Oct 14, 20266.99%▼ from 7.99%
  • Sep 14, 20267.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%

Topeka Police Credit Union Student Loan Rates

Product Rate Points APR Term View More
Student Loan or Unsecured/Personal - - 12.25% Up to 48 months
Details As Low As; APR Type: Fixed
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 11 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%

Topeka Police Credit Union Personal Loan Rates

Product APR Term View More
Student Loan or Unsecured/Personal 12.25% Up to 48 months
Details As Low As; APR Type: Fixed
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 11 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%

Topeka Police Credit Union Other Rates

Product Rate Points APY/APR Term View More
Lawn Equipment Loan - - 7.00% Up to 60 months
Details As Low As; APR Type: Fixed
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 11 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%
Lawn Equipment Loan - - 8.00%
Details As Low As; APR
Last Updated 10/30/2026
Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 11 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Nov 2, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.27%

Financial Health History

Topeka Police Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.27% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.3% 2.0★ 2.6% 3.0★ 3.9% 4.0★ 5.1% 5.0★ Healthy zone – entire history below the 15% limit 0.00% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.27% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$6M0.27%5.0A+
March 31, 2026$6M0.00%5.0A+
December 31, 2025$6M0.00%5.0A+
September 30, 2025$6M2.63%5.0A+
June 30, 2025$6M0.33%5.0A+
March 31, 2025$6M0.00%5.0A+
December 31, 2024$6M0.00%5.0A+
September 30, 2024$7M3.81%5.0A+
June 30, 2024$7M0.00%5.0A+
March 31, 2024$7M0.00%5.0A+
December 31, 2023$7M0.00%5.0A+
September 30, 2023$7M0.00%5.0A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Topeka Police Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Topeka Police Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Topeka Police Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Topeka Police Credit Union
Address 320 S Kansas Ave Ste 100, Topeka, KS 66603-3644
Phone 785-368-9436
Fax 785-368-9008
President Joseph Kinnett
CEO Anthony Birk
Full-Time Employees 3
Part-Time Employees 1
Branch Locations 1
ATM Locations 0
NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.27%
Return on Assets (ROA)
0.6326%
Return on Equity (ROE)
4.0400%
Non-Performing Loans Ratio (NPL)
0.05%
Total Assets
6,340,331
Total Amount of Shares and Deposits
5,335,302
Total Shares and Deposits < 1 Year
5,335,302
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,335,302
Total Interest Expense (Sum of items 6 8)
29,296
Share Certificates
120
Number of Accounts for Share Drafts
341
Number of Accounts for Regular Shares
1,192
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
956,157
Total Liabilities
5,347,575
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Topeka Police Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/credit-unions/topeka-police-credit-union-rates-review-67785">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About Topeka Police Credit Union

Does Topeka Police Credit Union offer CDs?

Yes. Topeka Police Credit Union current CD rates include its Kid's CDs - 6 Month at 5.00% APY, its 3 Year Special CD at 4.00% APY and its CDs - 12 Month (A) at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Topeka Police Credit Union NCUA insured?

Yes. Topeka Police Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Topeka Police Credit Union?

The highest Topeka Police Credit Union CD rate is its Kid's CDs - 6 Month at 5.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Topeka Police Credit Union offer?

Topeka Police Credit Union CD rates are 2.00% APY for a 3 month CD, 3.00% APY for a 6 month CD, 3.50% APY for a 12 month CD and 4.00% APY for a 3 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Topeka Police Credit Union for its full lineup.

What is the highest checking rate at Topeka Police Credit Union?

The highest Topeka Police Credit Union checking rate is its Share Draft (Checking) at 0.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Topeka Police Credit Union?

The lowest Topeka Police Credit Union auto loan rate is its New Vehicle Loan at 5.49% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Topeka Police Credit Union?

The lowest Topeka Police Credit Union personal loan rate is its Student Loan or Unsecured/Personal at 12.25% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Topeka Police Credit Union operate?

Topeka Police Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Topeka Police Credit Union?

Yes, to access services at Topeka Police Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Topeka Police Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Topeka Police Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Topeka Police Credit Union offer online and mobile banking?

Most modern institutions like Topeka Police Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://toppdcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Topeka Police Credit Union rates compare?

Topeka Police Credit Union's CD rates are 15% higher than the MonitorBankRates national average, and it has an A+ health rating. Topeka Police Credit Union's top rates are its Kid's CDs - 6 Month at 5.00% APY, its Share Draft (Checking) at 0.10% APY and its Student Loan or Unsecured/Personal at 12.25% APR, verified by MonitorBankRates on October 30, 2026.

Current Topeka Police Credit Union Rates

  • 12-Month CD3.50%
Retrieved from our database of financial products. Rates subject to change.