Credit union · NCUA insured
TopLine Financial Credit Union Savings Rates
Top CarrotTopLine Financial Credit Union’s best savings rate is 1.80% APY on $10,000, with its TopLine Savings. Rates checked October 16, 2026.
How TopLine Financial Credit Union’s savings 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
1.80%APY
- Minimum
- —
- Earns on $10,000 a year
- $180
TopLine Savings
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
TopLine Financial Credit Union savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0001.80%
- $100,000 balance$100,0002.60%
- QualifiedQualified1.80%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
TopLine Savings
1.80%APY
Minimum balance requirement of $5,000 to earn dividends; balances below $5,000 will not earn dividends. No monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $24,999Dividends calculated daily and paid monthly. | 1.80% | $180 | Dividends calculated daily and paid monthly. |
| $25,000 – $49,999Dividends calculated daily and paid monthly. | 2.05% | — | Dividends calculated daily and paid monthly. |
| $50,000 – $99,999Dividends calculated daily and paid monthly. | 2.30% | — | Dividends calculated daily and paid monthly. |
| $100,000 – $149,999Dividends calculated daily and paid monthly. | 2.60% | — | Dividends calculated daily and paid monthly. |
| $150,000 – $249,999Dividends calculated daily and paid monthly. | 2.80% | — | Dividends calculated daily and paid monthly. |
| $250,000 and upDividends calculated daily and paid monthly. | 3.00% | — | Dividends calculated daily and paid monthly. |
TopLine Money Market
0.55%APY
Maintain minimum balance of $1,000 to earn dividends; balances below the minimum required will not earn dividends and may incur a monthly fee. Free checks available upon request (up to 3 checks written per month).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Minimum balance of $0.01 is required to earn disclosed APY. Balances below minimum required will not earn dividends and may incur a monthly fee. | 0.35% | — | Minimum balance of $0.01 is required to earn disclosed APY. Balances below minimum required will not earn dividends and may incur a monthly fee. |
| $10,000 – $24,999 | 0.55% | $55 | |
| $25,000 – $49,999 | 0.65% | — | |
| $50,000 – $99,999 | 0.75% | — | |
| $100,000 and up | 1.10% | — |
Savings Plus
0.16%APY
Secondary savings account with no monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Dividends calculated daily and paid monthly. | 0.11% | — | Dividends calculated daily and paid monthly. |
| $5,000 – $9,999Dividends calculated daily and paid monthly. | 0.16% | — | Dividends calculated daily and paid monthly. |
| $10,000 – $49,999Dividends calculated daily and paid monthly. | 0.16% | $16 | Dividends calculated daily and paid monthly. |
| $50,000 and upDividends calculated daily and paid monthly. | 0.16% | — | Dividends calculated daily and paid monthly. |
Basic Share Savings
0.11%APY
Become a TopLine Financial Credit Union owner with a simple $5 deposit. Balances that fall below the minimum required will not earn dividends and may incur a monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $4,999Dividends calculated daily and paid monthly. | 0.06% | — | Dividends calculated daily and paid monthly. |
| $5,000 – $9,999Dividends calculated daily and paid monthly. | 0.11% | — | Dividends calculated daily and paid monthly. |
| $10,000 – $49,999Dividends calculated daily and paid monthly. | 0.11% | $11 | Dividends calculated daily and paid monthly. |
| $50,000 and upDividends calculated daily and paid monthly. | 0.11% | — | Dividends calculated daily and paid monthly. |
Special-purpose accounts
Regular, Roth & Coverdell IRA Money Market Savings
Up to 0.50%APY
Rates are subject to change after account has been opened. Balances that fall below the minimum will not earn dividends and may incur a monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTier balance: Less than $1,000 | 0.35% | $35 | Tier balance: Less than $1,000 |
| $1,000 – $9,999 | 0.45% | — | |
| $10,000 – $19,999 | 0.50% | $50 | |
| $20,000 – $49,999 | 0.65% | — | |
| $50,000 – $74,999 | 0.80% | — | |
| $75,000 and up | 1.20% | — |
Sources (1)
- toplinecu.com/savings-rates · captured Oct 5, 2026
WINcentive® Savings
0.21%APY
Must be eligible for TopLine membership and be a Minnesota or Wisconsin resident. Age 18+ or minor with parental agreement. Limit one WINcentive Savings Account per member. Minimum opening deposit of $5. 12-month savings commitment: 1st early withdrawal = $10 fee, 2nd withdrawal = $25 fee, 3rd withdrawal = account closed. Prize drawings entry for each $25 month-over-month balance increase (max 4 entries/month).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends calculated daily and paid monthly.$5 and up | 0.21% | $21 | Dividends calculated daily and paid monthly. |
Sources (3)
All captured Oct 5, 2026
Young Savers
0.21%APY
Designed for youths up to 22 years of age. Adult co-owner required for members under 18. No minimum balance requirements and no monthly fees. $25 match offer on new Young Savers account only, one account per member (deposited after 30 days; may be forfeited if closed within 90 days; reported on 1099-MISC).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum required. Dividends calculated daily and paid monthly.Any balance | 0.21% | $21 | No minimum required. Dividends calculated daily and paid monthly. |
Sources (3)
All captured Oct 5, 2026
Who can join TopLine Financial Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.