TopLine Financial Credit Union is headquartered in Maple Grove and is the 9th largest credit union in the state of Minnesota. It is also the 417th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 165 employees and 70,003 members at 5 locations. TopLine Financial Credit Union's savings rates are 7X the national average, and it has an A health rating.
Field of Membership Restrictions
TopLine Financial Credit Union is open to those who live, work, worship, attend school, or volunteer in the Minnesota counties of Anoka, Sherburne, Carver, Hennepin, Chisago, Scott, Dakota, Isanti, Ramsey, Washington, or Wright. Immediate family members of those eligible to join also qualify for membership.
See current membership details
Definitely Do Not Use.
Nothing but trouble from the first month we got our camper. We bought from Camper World a travel trailer to be able to go camping Memorial weekends. We have used it 2 times for that now. We are planning to travel in a few years after retirement so we bought it so we could have it paid for by then. Well, all the trouble we have had with this loan is making us wonder if we should just pull it down and park it in front of their door. We have made payments on time but they have charged us a late fee several times which confuses me. If our payment is due on the 15th, we have alway made the payment between the 10 to the 17th. It depends when we get paid. After we personally drove down there because of the continuous late fees, (a 80 mile trip each way from and to our house). They fixed the problems after we finally got to sit down with someone, the manager we were supposed to meet with came out and looked at us and we to someone else working there, said a few words to her then the second gal came over and told us she would get someone to help us. We said we had a appointment with the manager, she again said I’ll get someone to help us. We waited longer for someone else to help us, when she showed up, we told her we were supposed to meet the manager, she said, well I can help you. We never found out why the manager in Maple Grove would not even give us the time of day? Very rude and unprofessional on her behalf. Anyway we all of a sudden now get charged late fees for no reason again. We made our June payment, fine, we made our July payment on the 15th, our statement says they charged us a late fee on the 14th. Our payment isn’t due till the 15th? Then the bottom of the statement says they want another payment on July 30th. Our payment date cannot be change without our approval can it? We transfer our payment from our savings at our credit union to Topline. No check is involved. When it goes to topline it’s automatically deposited in a savings account, then we have to call Topline to have them take the money from savings to make the payment. They tell us every month they can’t make the payments until 3 days have passed. We ask every month why. They say to make sure the money clears first. I call bull crap, it’s not a check, it’s cash coming out of my savings account, it’s not a check. So we have to call again after 3 days to make the payment. If we don’t call to tell them to make the payment they leave the money sit in the savings account and then we get charged a $13:50 charge because they say we didn’t make the payment. The only reason we have Topline is because that’s where Camping World financing goes. I don’t recommend them to anyone.
Do NOT Use
My husband that passed away had his truck loan with Topline. The truck nor the loan was in my name so I could have ditched his truck and blocked their number. I decided to do the right thing and contact them with the death certificate. Well long story short, they "bought" his truck and all was supposed to be done.
I have gotten mail up to 3 times a week threatening me to pay for the truck, calls, emails, etc. Finally got a person and learned my husbands file was accidently turned into the department there that handles no payments. Well I called them and explained what happened and they were rude and hung up on me. The person I spoke with was David and he has no respect for any emotions let alone from a grieving wife. His boss Ann was a little better but not much.
No one plans a death but if anyone ever comes across a situation like this--DO NOT USE TOPLINE!!!!
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68731 |
| Year Chartered | 1935 |
| Employees | 165 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.44% |
| Return on Equity - YTD | 4.71% |
| Annual Interest Income | $13.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $1.12B$836.8MM |
| Loans | Q1 2025vs Q1 2024 | $853.6MM$695.2MM |
| Deposits | Q1 2025vs Q1 2024 | $953.5MM$674.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $102.9MM$70.1MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $4.9MM$4.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $5.5MM$2.8MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |