Topside Federal Credit Union

Overview / Commentary
17442 Dahlgren Rd
Dahlgren, VA 22448

Topside Federal Credit Union is headquartered in Dahlgren and is the 22nd largest credit union in the state of Virginia. It is also the 712th largest credit union in the nation. It was established in 1961 and as of June of 2022, it had grown to 82 employees and 40,469 members at 5 locations. Topside Federal Credit Union's savings rates are 15X 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. 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)

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!


Health Grade Components

NCUA #14754
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD11.95%
Annual Interest Income$6.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$501.8MM$483.6MM
LoansQ2 2022vs Q2 2021$252.2MM$194.6MM
DepositsQ2 2022vs Q2 2021$465.5MM$448.9MM
Equity CapitalQ2 2022vs Q2 2021$19.7MM$31.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$1.2MM$773.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$595.00K$571.00K
Real Estate OwnedQ2 2022vs Q2 2021$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: 0.01% $500+
5.00%*$1$500Youth Saves
OTHER TIERS: 0.01% $500+
0.05%$10k-Business Premium Savings Account
0.05%*$25k*-Variable Rate IRA Account
OTHER TIERS: 0.02% $10k - $25k
0.05%$10k-Premium Savings Account
0.03%*$50k*-Business Benefit
OTHER TIERS: 0.01% $2k - $50k
0.01%$5-Business Prime Share Savings Account
0.01%$1-Business Regular Shares Account
0.01%$5-Prime Share Savings Account
0.01%$1-Regular Shares Account
0.01%$1-Vacation Club Account
0.01%$1-Christmas Club Account

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

1.79%$100-9 Month Share Certificate Special
1.65%$100-7 Month Share Certificate Special
1.51%$100-10-Year Share Certificate
1.51%$100-Business 10-Year Share Certificate
1.15%$100-7-Year Share Certificate
1.15%$100-Business 7-Year Share Certificate
0.75%$100-Business 5-Year Share Certificate
0.75%$100-5-Year Share Certificate
0.45%*$25k*-Business 3-Year Share Certificate
OTHER TIERS: 0.44% $100 - $25k
0.45%*$25k*-3-Year Share Certificate
OTHER TIERS: 0.44% $100 - $25k
0.30%$100-2-Year Share Certificate
0.20%$100-1-Year Share Certificate
0.12%$100-Business 2-Year Share Certificate
0.10%$100-Business 1-Year Share Certificate
0.05%$100-Business 6-Month Share Certificate
0.05%$100-Business 9-Month Share Certificate
0.05%$100-6-Month Share Certificate
0.05%$100-9-Month Share Certificate

Topside Federal Credit Union IRA Rates

1.51%$100-10 -Year IRA Share Certificate
1.51%$100-Business 10 -Year IRA Share Certificate
1.15%$100-7-Year IRA Share Certificate
1.15%$100-Business 7-Year IRA Share Certificate
0.75%$100-5-Year IRA Share Certificate
0.45%*$25k*-3-Year IRA Share Certificate
OTHER TIERS: 0.44% $100 - $25k
0.30%$100-2-Year IRA Share Certificate
0.20%$100-1-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
Corporate Office5184 Potomac DrKing George, VA 22485

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