Advertising Disclosure
  1. Home
  2. Banks
  3. Topside Federal Credit Union

Topside Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.topsidefcu.org
540-663-2181
17442 Dahlgren Rd
Dahlgren, VA 22448

Topside Federal Credit Union is headquartered in Dahlgren and is the 24th largest credit union in the state of Virginia. It is also the 754th largest credit union in the nation. It was established in 1961 and as of March of 2025, it had grown to 94 employees and 41,901 members at 4 locations. Topside Federal Credit Union's CD rates are 4X the national average, and it has a B+ 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 (1)

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 )

2


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #14754
Year Chartered1961
Employees94
Primary Regulator
Profit Margin
Return on Assets - YTD0.52%
Return on Equity - YTD9.45%
Annual Interest Income$5.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$492.3MM$486.5MM
LoansQ1 2025vs Q1 2024$273.1MM$298MM
DepositsQ1 2025vs Q1 2024$461.7MM$439.2MM
Equity CapitalQ1 2025vs Q1 2024$26.6MM$18.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$3.5MM$4.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.5MM$1.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Topside Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
8.00%*$1$500Military Saves
OTHER TIERS: 0.10% → $500+
8.00%*$0$500Youth Saves
OTHER TIERS: 0.10% → $500+
0.30%*$100k*-Premium Savings Account
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $25k | 0.20% → $25k - $100k
0.20%*$100k*-Business Premium Savings Account
OTHER TIERS: 0.10% → $10k - $25k | 0.15% → $25k - $100k
0.10%$1-Prime Share Savings Account
0.10%$1-Regular Shares Account
0.10%$1-Vacation Club Account
0.10%$1-Christmas Club Account
0.05%$1-Business Prime Share Savings Account
0.05%$1-Business Regular Shares Account
0.03%*$50k*-Business Benefit
OTHER TIERS: 0.01% → $2k - $50k

Topside Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$50k*-Daily Money Fund Account
OTHER TIERS: 0.05% → $2k - $20k | 0.10% → $20k - $50k

Topside Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$25k*-10-Year Share Certificate
OTHER TIERS: 3.85% → $100 - $25k
4.00%*$25k*-Business 10-Year Share Certificate
OTHER TIERS: 3.85% → $100 - $25k
3.65%$100-Business 1-Year Share Certificate
3.65%$100-1-Year Share Certificate
3.62%$100-13 Month Share Certificate
3.62%$100-Business 13 Month Share Certificate
3.60%*$25k*-Business 5-Year Share Certificate
OTHER TIERS: 3.55% → $100 - $25k
3.60%*$25k*-5-Year Share Certificate
OTHER TIERS: 3.55% → $100 - $25k
3.59%$100-14-Month Share Certificate
3.59%*$25k*-58-Month Share Certificate
OTHER TIERS: 3.54% → $100 - $25k
3.59%*$25k*-59-Month Share Certificate
OTHER TIERS: 3.54% → $100 - $25k
3.59%$100-Business 14-Month Share Certificate
3.59%*$25k*-Business 58-Month Share Certificate
OTHER TIERS: 3.54% → $100 - $25k
3.59%*$25k*-Business 59-Month Share Certificate
OTHER TIERS: 3.54% → $100 - $25k
3.58%*$25k*-55-Month Share Certificate
OTHER TIERS: 3.53% → $100 - $25k
3.58%*$25k*-56-Month Share Certificate
OTHER TIERS: 3.53% → $100 - $25k
3.58%*$25k*-57 Month Share Certificate
OTHER TIERS: 3.53% → $100 - $25k
3.58%*$25k*-Business 55-Month Share Certificate
OTHER TIERS: 3.53% → $100 - $25k
3.58%*$25k*-Business 56-Month Share Certificate
OTHER TIERS: 3.53% → $100 - $25k
3.58%*$25k*-Business 57 Month Share Certificate
OTHER TIERS: 3.53% → $100 - $25k
3.57%*$25k*-53 Month Share Certificate
OTHER TIERS: 3.52% → $100 - $25k
3.57%*$25k*-54-Month Share Certificate
OTHER TIERS: 3.52% → $100 - $25k
3.57%*$25k*-Business 53 Month Share Certificate
OTHER TIERS: 3.52% → $100 - $25k
3.57%*$25k*-Business 54-Month Share Certificate
OTHER TIERS: 3.52% → $100 - $25k
3.56%$100-15-Month Share Certificate
3.56%*$25k*-51 Month Share Certificate
OTHER TIERS: 3.51% → $100 - $25k
3.56%*$25k*-50 Month Share Certificate
OTHER TIERS: 3.51% → $100 - $25k
3.56%*$25k*-52 Month Share Certificate
OTHER TIERS: 3.51% → $100 - $25k
3.56%$100-Business 15-Month Share Certificate
3.56%*$25k*-Business 50 Month Share Certificate
OTHER TIERS: 3.51% → $100 - $25k
3.56%*$25k*-Business 51 Month Share Certificate
OTHER TIERS: 3.51% → $100 - $25k
3.56%*$25k*-Business 52 Month Share Certificate
OTHER TIERS: 3.51% → $100 - $25k
3.55%*$25k*-4-Year Share Certificate
OTHER TIERS: 3.50% → $100 - $25k
3.55%*$25k*-49-Month Share Certificate
OTHER TIERS: 3.50% → $100 - $25k
3.55%*$25k*-Business 4-Year Share Certificate
OTHER TIERS: 3.50% → $100 - $25k
3.55%*$25k*-Business 49-Month Share Certificate
OTHER TIERS: 3.50% → $100 - $25k
3.54%*$25k*-45-Month Share Certificate
OTHER TIERS: 3.49% → $100 - $25k
3.54%*$25k*-46-Month Share Certificate
OTHER TIERS: 3.49% → $100 - $25k
3.54%*$25k*-47-Month Share Certificate
OTHER TIERS: 3.49% → $100 - $25k
3.54%*$25k*-Business 45-Month Share Certificate
OTHER TIERS: 3.49% → $100 - $25k
3.54%*$25k*-Business 46-Month Share Certificate
OTHER TIERS: 3.49% → $100 - $25k
3.54%*$25k*-Business 47-Month Share Certificate
OTHER TIERS: 3.49% → $100 - $25k
3.53%$100-16-Month Share Certificate
3.53%*$25k*-44-Month Share Certificate
OTHER TIERS: 3.48% → $100 - $25k
3.53%*$25k*-43 Month Share Certificate
OTHER TIERS: 3.48% → $100 - $25k
3.53%$100-Business 16-Month Share Certificate
3.53%*$25k*-Business 43 Month Share Certificate
OTHER TIERS: 3.48% → $100 - $25k
3.53%*$25k*-Business 44-Month Share Certificate
OTHER TIERS: 3.48% → $100 - $25k
3.52%*$25k*-40 Month Share Certificate
OTHER TIERS: 3.47% → $100 - $25k
3.52%*$25k*-41 Month Share Certificate
OTHER TIERS: 3.47% → $100 - $25k
3.52%*$25k*-42 Month Share Certificate
OTHER TIERS: 3.47% → $100 - $25k
3.52%*$25k*-Business 40 Month Share Certificate
OTHER TIERS: 3.47% → $100 - $25k
3.52%*$25k*-Business 41 Month Share Certificate
OTHER TIERS: 3.47% → $100 - $25k
3.52%*$25k*-Business 42 Month Share Certificate
OTHER TIERS: 3.47% → $100 - $25k
3.51%*$25k*-38-Month Share Certificate
OTHER TIERS: 3.46% → $100 - $25k
3.51%*$25k*-39-Month Share Certificate
OTHER TIERS: 3.46% → $100 - $25k
3.51%*$25k*-Business 38-Month Share Certificate
OTHER TIERS: 3.46% → $100 - $25k
3.51%*$25k*-Business 39-Month Share Certificate
OTHER TIERS: 3.46% → $100 - $25k
3.50%*$25k*-Business 3-Year Share Certificate
OTHER TIERS: 3.45% → $100 - $25k
3.50%*$25k*-3-Year Share Certificate
OTHER TIERS: 3.45% → $100 - $25k
3.50%$100-17 Month Share Certificate
3.50%*$25k*-37 Month Share Certificate
OTHER TIERS: 3.45% → $100 - $25k
3.50%$100-Business 17 Month Share Certificate
3.50%*$25k*-Business 37 Month Share Certificate
OTHER TIERS: 3.45% → $100 - $25k
3.47%$100-18-Month Share Certificate
3.47%$100-Business 18-Month Share Certificate
3.46%*$25k*-35-Month Share Certificate
OTHER TIERS: 3.42% → $100 - $25k
3.46%*$25k*-Business 35-Month Share Certificate
OTHER TIERS: 3.42% → $100 - $25k
3.44%*$25k*-34-Month Share Certificate
OTHER TIERS: 3.40% → $100 - $25k
3.44%*$25k*-Business 34-Month Share Certificate
OTHER TIERS: 3.40% → $100 - $25k
3.43%$100-19-Month Share Certificate
3.43%$100-Business 19-Month Share Certificate
3.42%*$25k*-33 Month Share Certificate
OTHER TIERS: 3.39% → $100 - $25k
3.42%*$25k*-Business 33 Month Share Certificate
OTHER TIERS: 3.39% → $100 - $25k
3.40%$100-20 Month Share Certificate
3.40%*$25k*-32-Month Share Certificate
OTHER TIERS: 3.37% → $100 - $25k
3.40%$100-Business 20 Month Share Certificate
3.40%*$25k*-Business 32-Month Share Certificate
OTHER TIERS: 3.37% → $100 - $25k
3.38%*$25k*-31 Month Share Certificate
OTHER TIERS: 3.36% → $100 - $25k
3.38%*$25k*-Business 31 Month Share Certificate
OTHER TIERS: 3.36% → $100 - $25k
3.37%$100-21 Month Share Certificate
3.37%*$25k*-30-Month Share Certificate
OTHER TIERS: 3.34% → $100 - $25k
3.37%$100-Business 21 Month Share Certificate
3.37%*$25k*-Business 30-Month Share Certificate
OTHER TIERS: 3.34% → $100 - $25k
3.35%$100-7-Year Share Certificate
3.35%$100-Business 7-Year Share Certificate
3.35%*$25k*-29-Month Share Certificate
OTHER TIERS: 3.33% → $100 - $25k
3.35%*$25k*-Business 29-Month Share Certificate
OTHER TIERS: 3.33% → $100 - $25k
3.34%$100-22 Month Share Certificate
3.34%$100-Business 22 Month Share Certificate
3.33%*$25k*-28-Month Share Certificate
OTHER TIERS: 3.31% → $100 - $25k
3.33%*$25k*-Business 28-Month Share Certificate
OTHER TIERS: 3.31% → $100 - $25k
3.31%$100-23 Month Share Certificate
3.31%*$25k*-27-Month Share Certificate
OTHER TIERS: 3.30% → $100 - $25k
3.31%$100-Business 23 Month Share Certificate
3.31%*$25k*-Business 27-Month Share Certificate
OTHER TIERS: 3.30% → $100 - $25k
3.29%*$25k*-26-Month Share Certificate
OTHER TIERS: 3.28% → $100 - $25k
3.29%*$25k*-Business 26-Month Share Certificate
OTHER TIERS: 3.28% → $100 - $25k
3.28%$100-11 Month Share Certificate
3.28%$100-Business 11 Month Share Certificate
3.27%$100-25-Month Share Certificate
3.27%$100-Business 25-Month Share Certificate
3.25%$100-Business 2-Year Share Certificate
3.25%$100-2-Year Share Certificate
3.10%$100-Business 10-Month Share Certificate
3.10%$100-10 Month Share Certificate
3.00%$100-Business 9-Month Share Certificate
3.00%$100-9-Month Share Certificate
2.90%$100-8-Month Share Certificate
2.90%$100-Business 8-Month Share Certificate
2.85%$100-7 Month Share Certificate
2.85%$100-Business 7-Month Share Certificate
2.65%$100-Business 6-Month Share Certificate
2.65%$100-6-Month Share Certificate
2.55%$100-5-Month Share Certificate
2.55%$100-Business 5-Month Share Certificate
2.50%$100-4-Month Share Certificate
2.50%$100-Business 4-Month Share Certificate
2.45%$100-3-Month Share Certificate
2.45%$100-Business 3-Month Share Certificate

Topside Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$25k*-10 -Year IRA Share Certificate
OTHER TIERS: 3.85% → $100 - $25k
3.65%$100-1-Year IRA Share Certificate
3.60%*$25k*-5-Year IRA Share Certificate
OTHER TIERS: 3.55% → $100 - $25k
3.50%*$25k*-3-Year IRA Share Certificate
OTHER TIERS: 3.45% → $100 - $25k
3.35%$100-7-Year IRA Share Certificate
3.25%$100-2-Year IRA Share Certificate
0.25%*$100k*-Variable Rate IRA Account
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $25k | 0.20% → $25k - $100k
Locations


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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.