☰

New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report See your state’s current score

Home›
Credit Unions›
TopLine Financial Credit Union

iAdvertiser Disclosure

TopLine Financial Credit Union Rates & Review November 2026

Q: What are the current interest rates at TopLine Financial Credit Union?

Current rates for TopLine Financial Credit Union include: 12-Month CD: 3.00%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, 60-Month CD: 3.50%, Savings: 3.00%

Q: What CD terms does TopLine Financial Credit Union offer?

TopLine Financial Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.00% APY for a 2 year CD and 3.50% APY for a 5 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 TopLine Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

TopLine Financial Credit Union's CD Specials - 12 Month rates are at 4.25%, CD Specials - 24 Month rates are at 4.25%, 12 Month CD rates are at 4.00%, 18 Month CD rates are at 4.00%, 24 Month CD rates are at 4.00%. TopLine Financial Credit Union's savings rates are at 3.00%. TopLine Financial Credit Union's checking rates are as high as 0.05%. TopLine Financial Credit Union's 5/1 ARM rates are at 5.12%, 15 Year Fixed rates are at 5.62%, 20 Year Fixed rates are at 6.00%, 30 Year Fixed rates are at 6.25%. TopLine Financial Credit Union's Personal Loan Rates are as low as 9.24%. TopLine Financial Credit Union's CD rates are 45% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of TopLine Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.54%. Rates last updated and verified on 10/30/2026.

TopLine Financial 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 TopLine Financial Credit Union? Share your experience about TopLine Financial Credit Union by leaving a review below, or read customer reviews before you decide to use TopLine Financial Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.54%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

TopLine Financial Credit Union
Corporate Office

9353 Jefferson Hwy
Maple Grove, MN 55369

https://www.toplinecu.com

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.

TopLine Financial Credit Union CD Rates

Product	Rate	APY	Term
Certificate Specials - 12 Month	4.18%	4.25%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 and over; $1,000 minimum opening balance Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Certificate Specials - 24 Month	4.18%	4.25%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 and over; $1,000 minimum opening balance Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
12 Month Share Certificate	3.94%	4.00%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
12 Month Share Certificate	3.94%	4.00%	12 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
12 Month Share Certificate	3.94%	4.00%	12 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
18 Month Share Certificate	3.94%	4.00%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
18 Month Share Certificate	3.94%	4.00%	18 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
18 Month Share Certificate	3.94%	4.00%	18 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
24 Month Share Certificate	3.94%	4.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
24 Month Share Certificate	3.94%	4.00%	24 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
24 Month Share Certificate	3.94%	4.00%	24 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Month Share Certificate	3.94%	4.00%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; $1,000 minimum opening balance Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Month Share Certificate	3.94%	4.00%	3 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; $1,000 minimum opening balance Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Month Share Certificate	3.94%	4.00%	3 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 and over; $1,000 minimum opening balance Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
36 Month Share Certificate	3.94%	4.00%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
36 Month Share Certificate	3.94%	4.00%	36 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
36 Month Share Certificate	3.94%	4.00%	36 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
48 Month Share Certificate	3.94%	4.00%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
48 Month Share Certificate	3.94%	4.00%	48 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
48 Month Share Certificate	3.94%	4.00%	48 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Share Certificate	3.94%	4.00%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; $1,000 minimum opening balance Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Share Certificate	3.94%	4.00%	6 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; $1,000 minimum opening balance Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Share Certificate	3.94%	4.00%	6 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 and over; $1,000 minimum opening balance Last Updated 10/30/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
60 Month Share Certificate	3.94%	4.00%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
60 Month Share Certificate	3.94%	4.00%	60 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
60 Month Share Certificate	3.94%	4.00%	60 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Month Share Certificate	3.65%	3.70%	3 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70% Oct 19, 20263.70%▼ from 4.00% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Month Share Certificate	3.65%	3.70%	3 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70% Oct 19, 20263.70%▼ from 4.00% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
3 Month Share Certificate	3.65%	3.70%	3 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 and over; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70% Oct 19, 20263.70%▼ from 4.00% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Share Certificate	3.65%	3.70%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70% Oct 19, 20263.70%▼ from 4.00% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Share Certificate	3.65%	3.70%	6 Months
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70% Oct 19, 20263.70%▼ from 4.00% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
6 Month Share Certificate	3.65%	3.70%	6 Months
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 and over; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 2 changes since Sep 18, 2026 · 3.70% → 3.70% ▼ 0.00 pts · high 4.00% / low 3.70% Oct 19, 20263.70%▼ from 4.00% Oct 10, 20264.00%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Share Certificate - 36 month	3.45%	3.50%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50% Oct 19, 20263.50%▼ from 4.00% Oct 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Share Certificate - 48 month	3.45%	3.50%	48 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50% Oct 19, 20263.50%▼ from 4.00% Oct 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Share Certificate - 60 month	3.45%	3.50%	60 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50% Oct 19, 20263.50%▼ from 4.00% Oct 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Share Certificate - 12 month	2.97%	3.00%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 4.00% → 3.00% ▼ 1.00 pts · high 4.25% / low 3.00% Oct 19, 20263.00%▼ from 4.00% Oct 14, 20264.00%▼ from 4.25% Oct 10, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Share Certificate - 18 month	2.97%	3.00%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 4.00% → 3.00% ▼ 1.00 pts · high 4.00% / low 3.00% Oct 19, 20263.00%▼ from 4.00% Oct 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Share Certificate - 24 month	2.97%	3.00%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999; Minimum balance of $1000 to open account Last Updated 10/30/2026 Rate History 3 changes since Sep 14, 2026 · 4.00% → 3.00% ▼ 1.00 pts · high 4.25% / low 3.00% Oct 19, 20263.00%▼ from 4.00% Oct 14, 20264.00%▼ from 4.25% Oct 10, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Savings Rates

Product	Rate	APY
TopLine Savings	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Savings	2.76%	2.80%
Min Balance $150,000 Details Balance: $150,000 - $249,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Savings	2.57%	2.60%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Savings	2.28%	2.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Savings	2.03%	2.05%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Savings	1.78%	1.80%
Min Balance $5,000 Details Balance: $5,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	1.09%	1.10%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	0.35%	0.35%
Min Balance $0 Details Balance: $0.00 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
WINcentive Savings	0.21%	0.21%
Min Balance $5 Details Balance: $5 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.21% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Young Savers	0.21%	0.21%
Details Balance: No minimum required; $25 match offer on new Young Savers account only, one account per member Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.21% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Savings Plus	0.16%	0.16%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Savings Plus	0.16%	0.16%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Savings Plus	0.16%	0.16%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Basic Share Savings	0.11%	0.11%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Basic Share Savings	0.11%	0.11%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Basic Share Savings	0.11%	0.11%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Savings Plus	0.11%	0.11%
Min Balance $0 Details Balance: $0 - $4,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Basic Share Savings	0.06%	0.06%
Min Balance $100 Details Balance: $100 - $4,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Business Savings Rates

Product	Rate	APY
Business Share Savings	0.16%	0.16%
Min Balance $50,000 Details Balance: $50,000 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Business Share Savings	0.16%	0.16%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Business Share Savings	0.16%	0.16%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.16% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Business Savings Plus	0.11%	0.11%
Min Balance $100 Details Balance: $100 - $4,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Business Share Savings	0.11%	0.11%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Business Share Savings	0.11%	0.11%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Business Share Savings	0.06%	0.06%
Min Balance $500 Details Balance: $500 - $2,499 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.06% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market Savings Accounts - TopLine Account	1.09%	1.10%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Money Market Savings Accounts - TopLine Account	0.35%	0.35%
Min Balance $0 Details Balance: $0.00 - $9,999 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Checking Rates

Product	Rate	APY
Sterling Checking	0.05%	0.05%
Min Balance $100 Details Balance: $100 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Checking	0.05%	0.05%
Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/30/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Checking	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Business Checking Rates

Product	Rate	APY
TopLine Business Checking	0.05%	0.05%
Min Balance $1,500 Details Balance: $1,500 - $4,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Business Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Business Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
TopLine Business Checking	0.05%	0.05%
Min Balance $20,000 Details Balance: $20,000 or More Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Mortgage Rates

Product	Rate	Points	APR
5/1 ARM	5.125%	0	5.35%
Details Rates effective 10/01/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
15 Year Fixed	5.625%	0	6.016%
Details Rates effective 10/01/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.02% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
20 Year Fixed	6.00%	0	6.315%
Details Rates effective 10/01/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.32% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
30 Year Fixed	6.25%	0	6.491%
Details Rates effective 10/01/26 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	6.49%	0	6.49%
Details Rates effective 10/01/26 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2022 & Newer	-	-	4.24%	24 months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	4.49%	24 months
Details As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2022 & Newer	-	-	4.74%	36 months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2021 - 2020	-	-	4.99%	24 months
Details As Low As; Model Year: 2021 - 2020 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	4.99%	36 months
Details As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	4.99%	24 months
Details As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2022 & Newer	-	-	5.14%	48 months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2019 - 2017	-	-	5.24%	24 months
Details As Low As; Model Year: 2019 - 2017 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2021 - 2020	-	-	5.24%	36 months
Details As Low As; Model Year: 2021 - 2020 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2022 & Newer	-	-	5.24%	60 months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	5.39%	48 months
Details As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	5.49%	60 months
Details As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	5.49%	36 months
Details As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2022 & Newer	-	-	5.54%	72 months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.54% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2021 - 2020	-	-	5.64%	48 months
Details As Low As; Model Year: 2021 - 2020 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2016 - 2012	-	-	5.74%	24 months
Details As Low As; Model Year: 2016 - 2012 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2019 - 2017	-	-	5.74%	36 months
Details As Low As; Model Year: 2019 - 2017 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2021 - 2020	-	-	5.74%	60 months
Details As Low As; Model Year: 2021 - 2020 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	5.79%	72 months
Details As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	5.89%	48 months
Details As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.89% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	5.99%	60 months
Details As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2021 - 2020	-	-	6.04%	72 months
Details As Low As; Model Year: 2021 - 2020 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2022 & Newer	-	-	6.04%	84 months
Details As Low As; Model Year: 2022 & Newer Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2019 - 2017	-	-	6.14%	48 months
Details As Low As; Model Year: 2019 - 2017 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2016 - 2012	-	-	6.24%	36 months
Details As Low As; Model Year: 2016 - 2012 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2019 - 2017	-	-	6.24%	60 months
Details As Low As; Model Year: 2019 - 2017 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Drive 4 Less Auto Loan	-	-	6.29%	72 months
Details As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Auto Loan - 2016 - 2012	-	-	6.64%	48 months
Details As Low As; Model Year: 2016 - 2012 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	5.24%	24 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $1,000; Loan Term up to 24 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	5.49%	36 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $3,000; Loan Term up to 36 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	5.99%	48 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $4,000; Loan Term up to 48 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.24%	24 Months
Details Model Year: 2019 - 2016; Minimum Loan Amount: $1,000; Loan Term up to 24 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.49%	60 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $5,000; Loan Term up to 60 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.49%	36 Months
Details Model Year: 2019 - 2016; Minimum Loan Amount: $3,000; Loan Term up to 36 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.59%	48 Months
Details Model Year: 2019 - 2016; Minimum Loan Amount: $4,000; Loan Term up to 48 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.64%	72 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $6,000; Loan Term up to 72 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.74%	84 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $7,000; Loan Term up to 84 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.79%	60 Months
Details Model Year: 2019 - 2016; Minimum Loan Amount: $5,000; Loan Term up to 60 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.94%	120 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $10,000; Loan Term up to 120 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	6.99%	72 Months
Details Model Year: 2019 - 2016; Minimum Loan Amount: $6,000; Loan Term up to 72 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	7.24%	180 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $25,000; Loan Term up to 180 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	7.24%	144 Months
Details Model Year: 2020 & Newer; Minimum Loan Amount: $20,000; Loan Term up to 144 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	7.24%	24 Months
Details Model Year: 2015 - 2012+; Minimum Loan Amount: $1,000; Loan Term up to 24 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	7.49%	84 Months
Details Model Year: 2019 - 2016; Minimum Loan Amount: $7,000; Loan Term up to 84 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	7.74%	36 Months
Details Model Year: 2015 - 2012+; Minimum Loan Amount: $3,000; Loan Term up to 36 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	7.99%	48 Months
Details Model Year: 2015 - 2012+; Minimum Loan Amount: $4,000; Loan Term up to 48 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Recreational Vehicle Loan	-	8.49%	60 Months
Details Model Year: 2015 - 2012+; Minimum Loan Amount: $5,000; Loan Term up to 60 Months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	9.24%	12 Months
Details Fixed; Min. loan amount: $250; Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.24% ▲ 0.25 pts · high 9.24% / low 8.99% Sep 22, 20269.24%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Personal Loan	9.24%	36 Months
Details Fixed; Min. loan amount: $2,000; Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 8.99% → 9.24% ▲ 0.25 pts · high 9.24% / low 8.99% Sep 22, 20269.24%▲ from 8.99% Sep 14, 20268.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Personal Loan	10.24%	48 Months
Details Fixed; Min. loan amount: $4,000; Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 9.99% → 10.24% ▲ 0.25 pts · high 10.24% / low 9.99% Sep 22, 202610.24%▲ from 9.99% Sep 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Personal Loan	11.24%	60 Months
Details Fixed; Min. loan amount: $5,000; Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 10.99% → 11.24% ▲ 0.25 pts · high 11.24% / low 10.99% Sep 22, 202611.24%▲ from 10.99% Sep 14, 202610.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Personal Loan	12.24%	72 Months
Details Fixed; Min. loan amount: $6,000; Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 12.24% ▲ 0.25 pts · high 12.24% / low 11.99% Sep 22, 202612.24%▲ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Personal Line of Credit	13.00%
Details Variable; Rate may change quarterly and is calculated based on the U.S. Prime Rate as published in the Wall Street Journal plus a margin of 6.00%; Rate may vary after account is opened Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Sep 22, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Personal Loan	13.24%	84 Months
Details Fixed; Min. loan amount: $7,500; Rates reflect 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.24% ▲ 0.25 pts · high 13.24% / low 12.99% Sep 22, 202613.24%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

TopLine Financial Credit Union Other Rates

Product	Rate	Points	APY/APR
Regular, Roth & Coverdell IRA Money Market Savings	0.45%	-	0.45%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Regular, Roth & Coverdell IRA Money Market Savings	0.50%	-	0.50%
Min Balance $10,000 Details Balance: $10,000 - $19,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Regular, Roth & Coverdell IRA Money Market Savings	0.65%	-	0.65%
Min Balance $20,000 Details Balance: $20,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Regular, Roth & Coverdell IRA Money Market Savings	0.80%	-	0.80%
Min Balance $50,000 Details Balance: $50,000 - $74,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Regular, Roth & Coverdell IRA Money Market Savings	1.19%	-	1.20%
Min Balance $75,000 Details Balance: $75,000 or more Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%
Regular, Roth & Coverdell IRA Money Market Savings	0.35%	-	0.35%
Details Balance: Less than $1,000 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

TopLine Financial Credit Union’s Texas Ratio rose from 2.57% in Q3 2023 to 6.54% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	6.54%	5.0	A
March 31, 2026	$1.1B	4.88%	5.0	A+
December 31, 2025	$1.1B	6.23%	5.0	A
September 30, 2025	$1.1B	6.35%	5.0	A
June 30, 2025	$1.1B	6.21%	5.0	A
March 31, 2025	$1.1B	5.03%	5.0	A+
December 31, 2024	$1.1B	6.57%	5.0	A
September 30, 2024	$1.1B	6.15%	5.0	A
June 30, 2024	$825M	3.92%	5.0	A+
March 31, 2024	$837M	3.46%	5.0	A+
December 31, 2023	$801M	3.24%	5.0	A+
September 30, 2023	$792M	2.57%	5.0	A+

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 TopLine Financial 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 TopLine Financial 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 TopLine Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name TopLine Financial Credit Union

Website https://www.toplinecu.com

Address 9353 Jefferson Hwy, Maple Grove, MN 55369

Phone 763-391-9494

Fax

President Kelly Breit

CEO Mick Olson

Full-Time Employees 165

Part-Time Employees 18

Branch Locations 11

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.54%

Return on Assets (ROA)

0.3403%

Return on Equity (ROE)

3.3494%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

1,122,983,552

Total Amount of Shares and Deposits

966,359,132

Total Shares and Deposits < 1 Year

944,672,798

Total Shares and Deposits 1 3 Years

17,979,679

Total Shares and Deposits > 3 Years

3,706,656

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

49,210,459

Total Uninsured Shares and Deposits > $250K (F+J)

49,210,459

Total Insured Shares and Deposits > $250K (item 17 less item K)

917,148,673

Total Interest Expense (Sum of items 6 8)

7,958,687

Share Certificates

5,415

Number of Accounts for Share Drafts

39,246

IRA KEOGH Accounts

1,302

Number of Accounts for Regular Shares

87,227

Money Market Shares

1,439

Net Income (unless the amount is already included in Undivided Earnings)

3,821,589

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)

50,063,796

Total Liabilities

1,009,477,137

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

TopLine Financial 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/topline-financial-credit-union-rates-review-68731">
  <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

There are no reviews for TopLine Financial Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for TopLine Financial Credit Union

Frequently Asked Questions About TopLine Financial Credit Union

Does TopLine Financial Credit Union offer CDs?

Yes. TopLine Financial Credit Union current CD rates include its CD Specials - 12 Month at 4.25% APY, its CD Specials - 24 Month at 4.25% APY and its 12 Month CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from TopLine Financial Credit Union NCUA insured?

Yes. TopLine Financial 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 TopLine Financial Credit Union?

The highest TopLine Financial Credit Union CD rate is its CD Specials - 12 Month at 4.25% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does TopLine Financial Credit Union offer?

TopLine Financial Credit Union CD rates are 4.00% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.00% APY for a 2 year CD and 3.50% APY for a 5 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 TopLine Financial Credit Union for its full lineup.

What is the highest savings rate at TopLine Financial Credit Union?

The highest TopLine Financial Credit Union savings rate is its TopLine Savings at 3.00% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at TopLine Financial Credit Union?

The highest TopLine Financial Credit Union money market rate is its Money Market Savings Accounts - TopLine Account at 1.10% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at TopLine Financial Credit Union?

The highest TopLine Financial Credit Union checking rate is its Sterling Checking at 0.05% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at TopLine Financial Credit Union?

The lowest TopLine Financial Credit Union 30 year fixed mortgage rate is its 30 Year Fixed at 6.25%, verified by MonitorBankRates as of October 30, 2026. TopLine Financial Credit Union mortgage rates are 6.25% for a 30 year mortgage, 6.00% for a 20 year mortgage, 5.625% for a 15 year mortgage and 5.125% for a 5/1 ARM.

What is the lowest auto loan rate at TopLine Financial Credit Union?

The lowest TopLine Financial Credit Union auto loan rate is its Auto Loan - 2022 & Newer at 4.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at TopLine Financial Credit Union?

The lowest TopLine Financial Credit Union personal loan rate is its Personal Loan at 9.24% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does TopLine Financial Credit Union operate?

TopLine Financial 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 TopLine Financial Credit Union?

Yes, to access services at TopLine Financial 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, TopLine Financial 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, TopLine Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does TopLine Financial Credit Union offer online and mobile banking?

Most modern institutions like TopLine Financial 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://www.toplinecu.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 TopLine Financial Credit Union rates compare?

TopLine Financial Credit Union's CD rates are 45% higher than the MonitorBankRates national average, and it has an A health rating. TopLine Financial Credit Union's top rates are its CD Specials - 12 Month at 4.25% APY, its TopLine Savings at 3.00% APY, its Sterling Checking at 0.05% APY, its 5/1 ARM at 5.125% and its Personal Loan at 9.24% APR, verified by MonitorBankRates on October 30, 2026.

Current TopLine Financial Credit Union Rates

12-Month CD3.00%
18-Month CD3.00%
24-Month CD3.00%
60-Month CD3.50%
Savings3.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

TopLine Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

TopLine Financial Credit Union Texas Ratio

TopLine Financial Credit Union Health Trend

TopLine Financial Credit Union CD Rates

TopLine Financial Credit Union Savings Rates

TopLine Financial Credit Union Business Savings Rates

TopLine Financial Credit Union Money Market Rates

TopLine Financial Credit Union Checking Rates

TopLine Financial Credit Union Business Checking Rates

TopLine Financial Credit Union Mortgage Rates

TopLine Financial Credit Union Home Equity & HELOC

TopLine Financial Credit Union Auto Loan Rates

TopLine Financial Credit Union RV, Boat and Powersport Loan Rates

TopLine Financial Credit Union Personal Loan Rates

TopLine Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

TopLine Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About TopLine Financial Credit Union

Does TopLine Financial Credit Union offer CDs?

Are CDs from TopLine Financial Credit Union NCUA insured?

What is the highest CD rate at TopLine Financial Credit Union?

What CD terms does TopLine Financial Credit Union offer?

What is the highest savings rate at TopLine Financial Credit Union?

What is the highest money market rate at TopLine Financial Credit Union?

What is the highest checking rate at TopLine Financial Credit Union?

What is the lowest 30 year fixed mortgage rate at TopLine Financial Credit Union?

What is the lowest auto loan rate at TopLine Financial Credit Union?

What is the lowest personal loan rate at TopLine Financial Credit Union?

How many branches does TopLine Financial Credit Union operate?

Is a member application needed to join TopLine Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does TopLine Financial Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

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

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

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

How do TopLine Financial Credit Union rates compare?

Current TopLine Financial Credit Union Rates

Compare to Other Credit Unions