Topside Federal Credit Union

Overview / Commentary
17442 Dahlgren Rd
Dahlgren, VA 22448

Topside Federal Credit Union is headquartered in Dahlgren and is the 26th largest credit union in the state of Virginia. It is also the 735th largest credit union in the nation. It was established in 1961 and as of December of 2023, it had grown to 85 employees and 41,764 members at 4 locations. Topside Federal Credit Union's savings rates are 15X the national average, and it has a C+ health rating.

Field of Membership Restrictions

Topside Federal Credit Union is open to anyone who lives, works, worships, or goes to school in the City of Fredericksburg, Virginia. Immediate family and household members are also eligible, as well as civilian and military personnel of the U.S. Government who work for or are permanently stationed at Naval Support Activity South Potomac (NSASP)-Dahlgren, or one of its tenant commands. Membership is also open to employees and military personnel working in select areas (see field of membership) and to those who live, work, worship or attend school in Fredericksburg, Virginia.
See current membership details

Reviews (2)

Great bank, but too few locations

Posted by: |

I started banking at NSWC Federal Credit Union many years ago since my husband worked at NSWC. Over the years, I have gotten home refinance loans and vehicle loans at the credit union, in addition to banking there. Several years ago, I took my kids in to open bank accounts. I was hoping to instill in them the concept of saving. I was thrilled by the response at the credit union. A representative spent over an hour with us not just opening their accounts but also explaining the products that the bank offers and how to responsibly save money. It was like their own personal mini savings lesson. I was really pleased, and it started my kids on the path to responsible banking. The representative really went out of her way to make it a fantastic experience for my kids, and I am pleased to say they are all saving responsibly. I know that the impact she had that day made a difference for them, and it's yet another reason I'm happy to call NSWC credit union my bank!

Profits Over People

Posted by: |

I chose NSWFCU ( now Topside) for a personal account in 2012 as a school social worker in King George County.
I again chose NSWFCU for a business account in 2017 when I opened up a private practice to provide affordable mental health care in the community.
I did this to support local businesses. However, this credit union will not protect me as a customer and part of the community.
There was a death in our family this month, and I took time off to take care of the cremation, etc. My account was low and went into the negative due to electronic charges that I was unaware of. I was charged $32 for attempted charges as low as $5, and Topside continued to allow charges even though the account was negative.
I have over $400 in NSF fees this month from unauthorized electronic debits attempted multiple times.
I have not written bad checks that have bounced or taken advantage of Topside.
Topside ( formerly NSWFCU) has denied my request to stop charges and only allow deposits. I have only been told that there is nothing that they can do while my account is in the negative.
Like most Americans, $400 is a significant amount. This situation has led to other essential bills being unpaid.
I am disappointed that a credit union in our community will hang people out to dry in a difficult time only to make profits.
I would encourage community members and small business owners to reconsider their relationship with Topside FCU since they do not adhere to the values that keep our families safe and thriving.
Dawn Cooperstein LCSW (formerly Weisenberger )


Health Grade Components

NCUA #14754
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD13.95%
Annual Interest Income$20.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$483MM$521MM
LoansQ4 2023vs Q4 2022$301.5MM$293.7MM
DepositsQ4 2023vs Q4 2022$433.2MM$450MM
Equity CapitalQ4 2023vs Q4 2022$18.6MM$13.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$4.3MM$1.7MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$1.8MM$837K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Topside Federal Credit Union Savings Account Rates

8.00%*$1$500Military Saves
OTHER TIERS: 0.05% $500+
5.00%*$1$500Youth Saves
OTHER TIERS: 0.05% $500+
0.20%*$100k*-Business Premium Savings Account
OTHER TIERS: 0.10% $10k - $25k | 0.15% $25k - $100k
0.20%*$100k*-Premium Savings Account
OTHER TIERS: 0.10% $10k - $25k | 0.15% $25k - $100k
0.05%$5-Business Prime Share Savings Account
0.05%$1-Business Regular Shares Account
0.05%*$25k*-Variable Rate IRA Account
OTHER TIERS: 0.02% $10k - $25k
0.05%$5-Prime Share Savings Account
0.05%$1-Regular Shares Account
0.05%$1-Vacation Club Account
0.05%$1-Christmas Club Account
0.03%*$50k*-Business Benefit
OTHER TIERS: 0.01% $2k - $50k

Topside Federal Credit Union Checking Account Rates

0.03%*$50k*-Daily Money Fund Account
OTHER TIERS: 0.01% $2k - $50k

Topside Federal Credit Union CD Rates

5.05%*$25k*-10 Month Share Certificate Special
OTHER TIERS: 4.95% $100 - $25k
5.00%*$25k*-7 Month Share Certificate Special
OTHER TIERS: 4.85% $100 - $25k
4.45%$100-Business 1-Year Share Certificate
4.45%$100-Business 2-Year Share Certificate
4.45%$100-1-Year Share Certificate
4.45%$100-2-Year Share Certificate
4.05%$100-Business 9-Month Share Certificate
4.05%$100-9-Month Share Certificate
3.85%*$25k*-10-Year Share Certificate
OTHER TIERS: 3.80% $100 - $25k
3.85%*$25k*-Business 10-Year Share Certificate
OTHER TIERS: 3.80% $100 - $25k
3.45%$100-Business 3-Year Share Certificate
3.45%$100-Business 5-Year Share Certificate
3.45%$100-3-Year Share Certificate
3.45%$100-5-Year Share Certificate
3.45%$100-Business 7-Year Share Certificate
3.00%$100-7-Year Share Certificate
3.00%$100-7 Month Share Certificate
2.25%$100-Business 6-Month Share Certificate
2.25%$100-6-Month Share Certificate

Topside Federal Credit Union IRA Rates

5.05%*$25k*-10 Month IRA Certificate Special
OTHER TIERS: 4.95% $100 - $25k
4.45%$100-1-Year IRA Share Certificate
4.45%$100-2-Year IRA Share Certificate
3.85%*$25k*-10 -Year IRA Share Certificate
OTHER TIERS: 3.80% $100 - $25k
3.45%$100-3-Year IRA Share Certificate
3.45%$100-5-Year IRA Share Certificate
3.45%$100-Business 7-Year IRA Share Certificate
3.00%$100-7-Year IRA Share Certificate
3.00%$100-Business 10 -Year IRA Share Certificate

Topside Federal Credit Union Locations
Branch Office17442 Dahlgren RdDahlgren, VA 22448
Branch Office2004 Augustine AveFredericksburg, VA 22401
Branch Office5472 James Madison PkwyKing George, VA 22485-5329
Branch Office9622 Patriot HwyFredericksburg, VA 22407-9407

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