Credit union · NCUA insured
Topside Federal Credit Union Savings Rates
Topside Federal Credit Union’s best savings rate is 0.45% APY on $10,000, with its Premium Money Market Savings. Rates checked October 22, 2026.
How Topside Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Topside Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Topside Federal Credit Union
0.45%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $45
Premium Money Market Savings
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Topside Federal Credit Union savings score
77
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0002.25%
- QualifiedQualified0.45%
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 Topside Federal 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.
Military Saves
8.33%APY
Available for active and retired military, veterans, National Guard, reservists, and their dependents. Requires valid military ID, accepting electronic documents, receiving e-statements, and making at least one deposit monthly. Dividends compounded and credited quarterly. If monthly deposit is not posted, rate reverts to current share savings rate for that month. Balances over $500 earn regular share savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5008.00% only applies on the first $500 deposited as long as member meets all requirements. Requirements include: current valid military ID, accept electronic documents, receive e-statements, and make at least one deposit monthly. Dividends compounded and credited quarterly. Balances over $500 earn regular share savings rate.Up to $500 | 8.33% | — | 8.00% only applies on the first $500 deposited as long as member meets all requirements. Requirements include: current valid military ID, accept electronic documents, receive e-statements, and make at least one deposit monthly. Dividends compounded and credited quarterly. Balances over $500 earn regular share savings rate. |
Sources (2)
All captured Oct 22, 2026
Military Savings
8.33%APY
Available for active and retired military, veterans, National Guard, reservists, and their dependents. Requires a current valid military ID, accepting electronic documents, receiving e-statements, and making at least one deposit monthly. Dividends compounded and credited quarterly. If monthly deposit is not posted, rate reverts to current share savings rate for that month. Balances over $500 earn the regular share savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Special rate applies on the first $500 deposited as long as member meets all requirements: valid military ID, e-documents, e-statements, and at least one deposit monthly. Rate reverts to regular share savings rate if deposit is not posted. Stated as 8% APY in marketing copy and 8.00% dividend rate in rate schedule.Up to $500 | 8.33% | — | Special rate applies on the first $500 deposited as long as member meets all requirements: valid military ID, e-documents, e-statements, and at least one deposit monthly. Rate reverts to regular share savings rate if deposit is not posted. Stated as 8% APY in marketing copy and 8.00% dividend rate in rate schedule. |
Sources (2)
All captured Oct 22, 2026
Premium Money Market Savings
0.45%APY
Minimum opening deposit of $2,500 and $2,500 minimum daily balance. $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. Two free withdrawals or transfers per month; $5 for each additional withdrawal or transfer. Online Banking and eStatements enrollment required to receive listed rates; if requirements are not met, the account earns the Membership Savings dividend rate until qualifications are restored. Dividends compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. | 0.10% | — | Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. |
| $2,500 – $25,000Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. | 0.45% | $45 | Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. |
| $25,000 – $50,000Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. | 1.25% | — | Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. |
| $50,000 – $150,000Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. | 2.25% | — | Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. |
| $150,000 and upMust meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. | 3.25% | — | Must meet requirements to receive listed rates: e-statement & Online banking enrollment required. Fees apply for withdrawals exceeding 2 per statement cycle ($5 per additional withdrawal/transfer). Minimum balance fee: $10 monthly fee if minimum daily balance falls below $2,500 during the statement cycle. |
Sources (2)
All captured Oct 22, 2026
Premium Savings
0.10%APY
Minimum balance of $1.00 required to obtain Credit Union membership. No monthly service charge. Dividends paid quarterly. Rate may change after account opening. Minimum balance required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Dividends paid quarterly. Rate may change after account opening. | 0.05% | — | Dividends paid quarterly. Rate may change after account opening. |
| $10,000 – $25,000Dividends paid quarterly. Rate may change after account opening. | 0.10% | $10 | Dividends paid quarterly. Rate may change after account opening. |
| $25,000 – $100,000Dividends paid quarterly. Rate may change after account opening. | 0.20% | — | Dividends paid quarterly. Rate may change after account opening. |
| $100,000 and upDividends paid quarterly. Rate may change after account opening. | 0.30% | — | Dividends paid quarterly. Rate may change after account opening. |
Sources (2)
All captured Oct 22, 2026
Membership Savings
0.10%APY
Minimum balance of $1.00 required to obtain Credit Union membership. Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Prime Share Savings
0.10%APY
Dividends paid quarterly. Rate may change after account opening. Minimum balance of $1.00 required to obtain Credit Union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Regular Shares
0.10%APY
Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Savings
0.10%APY
Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY. Minimum balance of $1.00 required to obtain Credit Union membership. No monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.Any balance | 0.10% | $10 | Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Youth Saves
5.13%APY
For members age 19 or younger. Requires valid government-issued photo ID or SSN for minors. For minors, parent or legal guardian must be joint on the account. At age 20 balance transfers to prime share account. Dividends compounded and credited quarterly. Deposits over $500 earn regular share savings rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5005.00% applies only on the first $500 deposited as long as member meets all requirements. Requirements include: age 19 or younger, valid government-issued photo ID or SSN for minors. Parent/legal guardian must be joint for minors. Dividends compounded and credited quarterly.Up to $500 | 5.13% | — | 5.00% applies only on the first $500 deposited as long as member meets all requirements. Requirements include: age 19 or younger, valid government-issued photo ID or SSN for minors. Parent/legal guardian must be joint for minors. Dividends compounded and credited quarterly. |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Youth Savings
5.00%APY
For members age 19 or younger. Requires valid government-issued photo ID or SSN. For minors, a parent or legal guardian must be joint on the account. At age 20 the balance transfers to the prime share account. Dividends compounded and credited quarterly. Balances over $500 earn regular share savings rate. No balance requirement.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Applies only on the first $500 deposited for ages 19 or younger. 5.00% dividend rate in rate schedule, stated as 5.00% APY in product documentation.Up to $500 | 5.00% | — | Applies only on the first $500 deposited for ages 19 or younger. 5.00% dividend rate in rate schedule, stated as 5.00% APY in product documentation. |
Sources (2)
All captured Oct 22, 2026
Variable Rate Account
0.10%APY
Earns current market rate on IRA funds. Dividends paid quarterly. Rate may change after account opening. Penalty will apply for early withdrawal. Minimum balance required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $25,000 | 0.10% | $10 |
| $25,000 – $100,000 | 0.20% | — |
| $100,000 and up | 0.25% | — |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Christmas Club
0.10%APY
Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Christmas Savings
0.10%APY
Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Vacation Club
0.10%APY
Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Vacation Savings
0.10%APY
Dividends paid quarterly. Account transfer limitations may apply. Rate may change after account opening. Minimum balance required to obtain APY.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- topsidefcu.org/deposit-share-rates · captured Oct 22, 2026
Who can join Topside Federal Credit Union
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