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9353 Jefferson Hwy
Maple Grove, MN 55369

Topline Credit Union is headquartered in Maple Grove and is the 13st largest credit union in the state of Minnesota. It is also the 621st largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 88 employees and 40,834 members. Topline Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work, worship, attend school or volunteer in the Twin Cities counties of Anoka, Carver, Dakota, Hennepin, Ramsey, Scott or Washington. - See Details

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Reviews (2)

Excellent Loan Officer In Tiffany

Tiffany provided us with exemplary service.  We had a bit of an emergency with my wife's vehicle breaking down and found ourselves with an immediate need for a new car.  I called Topline to arrange a pre-approval and Tiffany handled our account.  She was pleasant and a joy to deal with - as well as very professional and always kept our best interests in mind through out the process.


Ultimately - we couldn't pass up the rate that the dealership was able to land for us (3.0% over 72 months) - but I wanted to make sure her outstanding customer service and professionalism did not go unmentioned.  Without a doubt - she will be our first call for our future loan needs.  

A Great Financial Partner For Our Familly

I've had personal accounts at TopLine for nearly 10 years, business accounts for nearly 7, 2 auto loans, and now a home mortgage, and HELOC at TopLine. I've never had a single problem with any of my accounts or dealings with TopLine.

TopLine has rates as good as any other institution. I've used my ATM card all over 3 continents and never paid a fee. Customer service is lighting-fast, friendly and personal. I really couldn't ask for anything more as a TopLine member, except HSA accounts and had an inner-city Minneapolis branch.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Topline Credit Union had $826,000 in non-current loans and owned real-estate with $33.78 million in equity and loan loss allowances on hand to cover it. This gives Topline Credit Union a Texas Ratio of 2.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Topline Credit Union decreased dramatically from 6.40% as of March 31, 2013 to 2.45% as of March 31, 2014, resulting in a positive change of 61.77%.This indicates that the balance sheet and financial strength for Topline Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Topline Credit Union has increased its total deposits by $6.49 million, resulting in 2.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Topline Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Topline Credit Union has $352.42 million in assets with $33.78 million in equity, resulting in a capitalization level of 9.59%, which is above average.

Institution Statistics

NCUA #24568
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$352.42 million
Loans$176.07 million
Deposits$313.62 million
Equity Capital$32.43 million
Loan Loss Allowance$1.36 million
Unbacked Noncurrent Loans$437,000
Real Estate Owned$389,000
Historic Data - March 2013
Assets$345.59 million
Equity Capital$32.31 million
Loan Loss Allowance$1.98 million
Unbacked Noncurrent Loans$437,000
Real Estate Owned$778,000
Profit Margin - Quarterly
Net Interest Margin1.12%
Return on Assets1.01%
Return on Equity11.02%
Interest Income$2.73 million

Always verify rates and promotions with the bank or credit union. We are not Topline Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Topline Credit Union Savings Account Rates

0.16%--Young Savers Account
0.11%$50k-Basic Share Savings Account
0.11%$50k-Savings Plus Accunt
0.11%$100-Savings Direct Account
0.11%$50k-Business Share Savings Account
0.11%$50k-Business Savings Plus Account

Topline Credit Union Money Market Rates

0.41%$75k-Regular IRA Money Market Savings Account
0.41%$75k-Roth IRA Money Market Savings Account
0.41%$75k-Coverdell ESA Money Market Savings Account
0.41%$75k-Business Premium Money Market Account
0.37%$100k-Investors Account Money Market Savings
0.37%$100k-Premium Account Money Market Savings
0.37%$100k-TopLine Account Money Market Savings
0.31%$50k-Business Basic Money Market Acount

Topline Credit Union Checking Account Rates

0.16%$20k-Business TopLine Checking Account
0.11%$20k-TopLine Checking Account
0.06%$500-Interest Checking Account
0.06%$100-Sterling Checking Account

Topline Credit Union CD Rates

1.31%$25k-60 Month CD
1.31%$25k-Business 60 Month CD
1.06%$25k-48 Month CD
1.06%$25k-Business 48 Month CD
0.69%$25k-36 Month CD
0.69%$25k-Business 36 Month CD
0.55%$25k-24 Month CD
0.55%$25k-Business 24 Month CD
0.48%$25k-25 Month Progressive “Step-Up” CD
0.48%$25k-Business 25 Month Progressive “Step-Up” CD
0.38%$25k-18 Month CD
0.38%$25k-Business 18 Month CD
0.34%$25k-12 Month CD
0.34%$25k-Business 12 Month CD
0.33%$25k-11 Month Interest At Maturity CD
0.33%$25k-15 Month Penalty-Free CD
0.33%$25k-Business 11 Month Interest At Maturity CD
0.33%$25k-Business 15 Month Penalty-Free CD
0.22%$1k-6 Month CD
0.22%$1k-Business 6 Month CD
0.21%$1k-3 Month CD
0.21%$1k-Business 3 Month CD

Topline Credit Union IRA Rates

1.31%$25k-60 Month IRA
1.06%$25k-48 Month IRA
0.69%$25k-36 Month IRA
0.55%$25k-24 Month IRA
0.48%$25k-25 Month Progressive "Step-Up" IRA Certificate
0.38%$1k-18 Month IRA
0.34%$1k-12 Month IRA
0.33%$25k-11 Month Interest at Maturity IRA Certificate
0.33%$25k-15 Month Penalty-Free IRA Certificate

Topline Credit Union Locations
Branch Office5221 Viking DrBloomington, MN 55435
Branch Office976 Lexington Pkwy NSaint Paul, MN 55103
Branch Office9790 Schreiber Ter NBrooklyn Park, MN 55445-2669
Branch Office9353 Jefferson HwyMaple Grove, MN 55369
Branch Office4190 Vinewood Ln NPlymouth, MN 55442-1715