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 Topside Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 18, 2026
Topside Federal Credit Union's 10-Year IRA CD rates are at 3.80%, 10-Year CD rates are at 3.80%, 10-Year IRA CD rates are at 3.65%, 10-Year CD rates are at 3.65%, 5-Year IRA CD rates are at 3.65%. Topside Federal Credit Union's savings rates are at 0.05%. Topside Federal Credit Union's Personal Loan Rates are at 7.99%. MonitorBankRates evaluates the financial stability of Topside Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.59%. Rates were last updated on 04/18/2026. Topside Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Topside Federal Credit Union? Share your experience about Topside Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Topside Federal Credit Union. 
Topside Federal Credit Union CD Rates
Topside Federal Credit Union Savings Rates
Topside Federal Credit Union Checking Rates
Topside Federal Credit Union Home Equity & HELOC
Topside Federal Credit Union Auto Loan Rates
Topside Federal Credit Union Credit Card Rates
Topside Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Topside Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Topside Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Topside Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Topside Federal Credit Union
Website
https://topsidefcu.org
Address
17442 Dahlgren Rd,
Dahlgren, VA 22448
Phone
540-663-2181
Fax
540-663-5674
President
David Martin
CEO
Bruce Six
Full-Time Employees
96
Part-Time Employees
26
Branch Locations
4
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.59%
Return on Assets (ROA)
0.4418%
Return on Equity (ROE)
5.2823%
Non-Performing Loans Ratio (NPL)
0.99%
Total Assets
481,865,786
Total Amount of Shares and Deposits
448,522,367
Total Shares and Deposits < 1 Year
373,791,131
Total Shares and Deposits 1 3 Years
67,263,209
Total Shares and Deposits > 3 Years
7,468,027
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
35,376,629
Total Uninsured Shares and Deposits > $250K (F+J)
35,376,629
Total Insured Shares and Deposits > $250K (item 17 less item K)
413,145,738
Total Interest Expense (Sum of items 6 8)
2,958,976
Share Certificates
2,092
Number of Accounts for Share Drafts
21,072
IRA KEOGH Accounts
884
Number of Accounts for Regular Shares
47,353
All other shares
243
Money Market Shares
1,835
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
52,335,435
Total Liabilities
451,298,783
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Topside Federal Credit UnionIs Topside Federal Credit Union a safe place to deposit money?Yes, Topside Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 6.5944864966123%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Topside Federal Credit Union operate?Topside Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Topside Federal Credit Union?Yes, to access services at Topside Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Topside Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Topside Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Topside Federal Credit Union offer online and mobile banking?Most modern institutions like Topside Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://topsidefcu.org. Current Topside Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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