Credit union · NCUA insured
TopLine Financial Credit Union CD Rates
Top CarrotTopLine Financial Credit Union’s best CD rate is 4.25% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How TopLine Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where TopLine Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TopLine Financial Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $425
Certificate Specials
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
TopLine Financial Credit Union CD score
93
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where TopLine Financial Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Specials
4.25%APY · 2 terms
Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
| 24 months | 4.25% | $868 |
Sources (1)
- toplinecu.com/certificates-rates · captured Oct 5, 2026
Share Certificate
4.00%APY · 8 terms
Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $99 |
| 6 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $198 |
| 12 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $400 |
| 18 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $606 |
| 24 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $816 |
| 36 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $1,249 |
| 48 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $1,699 |
| 60 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $2,167 |
Sources (1)
- toplinecu.com/certificates-rates · captured Oct 5, 2026
Special-purpose accounts
Certificate Specials IRA
4.25%APY · 2 terms
Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
| 24 months | 4.25% | $868 |
Sources (1)
- toplinecu.com/certificates-rates · captured Oct 5, 2026
IRA/Roth Share Certificate
4.00%APY · 6 terms
Fees could reduce earnings. Penalty may apply for early withdrawal. Insured by NCUA.
| Term | APY · $1,000 – $9,999 | APY · $10,000 – $24,999 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $400 |
| 18 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $606 |
| 24 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $816 |
| 36 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $1,249 |
| 48 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $1,699 |
| 60 months | 4.00% | 4.00% | 4.00% | 4.00%4.00% $1k–$10k4.00% from $25k | $2,167 |
Sources (1)
- toplinecu.com/certificates-rates · captured Oct 5, 2026
Who can join TopLine Financial Credit Union
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