What are the current interest rates at Topside Federal Credit Union?

Current rates for Topside Federal Credit Union include: 12-Month CD: 3.25%, 18-Month CD: 3.55%, 24-Month CD: 3.50%, 60-Month CD: 3.30%, Savings: 5.00%

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Topside Federal Credit Union

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Topside Federal Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Topside Federal Credit Union's top rates as of October 13, 2026 are 3.90% APY on its 12-Month CD, 5.00% APY on savings, 0.15% APY on checking, rv, boat and powersport loans from 16.99% APR, and credit cards from 7.90% APR, according to rates verified by MonitorBankRates. Other Topside Federal Credit Union CD rates include 60-Month CD at 3.90%, 58-Month CD at 3.89%, and 59-Month CD at 3.89%. 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 6.63%. Rates last updated and verified on 10/13/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.63%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Topside Federal Credit Union
Main Office

17442 Dahlgren Rd
Dahlgren, VA 22448

https://topsidefcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Topside Federal Credit Union CD Rates

Product	Rate	APY	Term
12-Month Certificate	3.84%	3.90%	12 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Oct 9, 20263.90%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
60-Month Certificate	3.84%	3.90%	60 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Oct 9, 20263.90%▲ from 3.80% Sep 21, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
58-Month Certificate	3.83%	3.89%	58 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.79% → 3.89% ▲ 0.10 pts · high 3.89% / low 3.79% Oct 9, 20263.89%▲ from 3.79% Sep 21, 20263.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
59-Month Certificate	3.84%	3.89%	59 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.79% → 3.89% ▲ 0.10 pts · high 3.89% / low 3.79% Oct 9, 20263.89%▲ from 3.79% Sep 21, 20263.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
13-Month Certificate	3.83%	3.88%	13 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.79% → 3.88% ▲ 0.09 pts · high 3.88% / low 3.79% Oct 9, 20263.88%▲ from 3.79% Sep 14, 20263.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
55-Month Certificate	3.82%	3.88%	55 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.78% → 3.88% ▲ 0.10 pts · high 3.88% / low 3.78% Oct 9, 20263.88%▲ from 3.78% Sep 21, 20263.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
56-Month Certificate	3.82%	3.88%	56 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.78% → 3.88% ▲ 0.10 pts · high 3.88% / low 3.78% Oct 9, 20263.88%▲ from 3.78% Sep 21, 20263.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
57-Month Certificate	3.83%	3.88%	57 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.78% → 3.88% ▲ 0.10 pts · high 3.88% / low 3.78% Oct 9, 20263.88%▲ from 3.78% Sep 21, 20263.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
14-Month Certificate	3.81%	3.87%	14 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.78% → 3.87% ▲ 0.09 pts · high 3.87% / low 3.78% Oct 9, 20263.87%▲ from 3.78% Sep 14, 20263.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
53-Month Certificate	3.81%	3.87%	53 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77% Oct 9, 20263.87%▲ from 3.77% Sep 21, 20263.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
54-Month Certificate	3.82%	3.87%	54 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.77% → 3.87% ▲ 0.10 pts · high 3.87% / low 3.77% Oct 9, 20263.87%▲ from 3.77% Sep 21, 20263.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
50-Month Certificate	3.80%	3.86%	50 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76% Oct 9, 20263.86%▲ from 3.76% Sep 21, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
51-Month Certificate	3.81%	3.86%	51 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76% Oct 9, 20263.86%▲ from 3.76% Sep 21, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
52-Month Certificate	3.81%	3.86%	52 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76% Oct 9, 20263.86%▲ from 3.76% Sep 21, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
15-Month Certificate	3.80%	3.85%	15 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.78% → 3.85% ▲ 0.07 pts · high 3.85% / low 3.78% Oct 9, 20263.85%▲ from 3.78% Sep 14, 20263.78%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
48-Month Certificate	3.79%	3.85%	48 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
49-Month Certificate	3.80%	3.85%	49 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 9, 20263.85%▲ from 3.75% Sep 21, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
16-Month Certificate	3.78%	3.84%	16 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.77% → 3.84% ▲ 0.07 pts · high 3.84% / low 3.77% Oct 9, 20263.84%▲ from 3.77% Sep 14, 20263.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
45-Month Certificate	3.78%	3.84%	45 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.74% → 3.84% ▲ 0.10 pts · high 3.84% / low 3.74% Oct 9, 20263.84%▲ from 3.74% Sep 14, 20263.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
46-Month Certificate	3.79%	3.84%	46 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.74% → 3.84% ▲ 0.10 pts · high 3.84% / low 3.74% Oct 9, 20263.84%▲ from 3.74% Sep 14, 20263.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
47-Month Certificate	3.79%	3.84%	47 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.74% → 3.84% ▲ 0.10 pts · high 3.84% / low 3.74% Oct 9, 20263.84%▲ from 3.74% Sep 14, 20263.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
43-Month Certificate	3.77%	3.83%	43 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.73% → 3.83% ▲ 0.10 pts · high 3.83% / low 3.73% Oct 9, 20263.83%▲ from 3.73% Sep 14, 20263.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
44-Month Certificate	3.78%	3.83%	44 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.73% → 3.83% ▲ 0.10 pts · high 3.83% / low 3.73% Oct 9, 20263.83%▲ from 3.73% Sep 14, 20263.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
17-Month Certificate	3.77%	3.82%	17 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.76% → 3.82% ▲ 0.06 pts · high 3.82% / low 3.76% Oct 9, 20263.82%▲ from 3.76% Sep 14, 20263.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
40-Month Certificate	3.76%	3.82%	40 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.82% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
41-Month Certificate	3.77%	3.82%	41 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72% Oct 9, 20263.82%▲ from 3.72% Sep 14, 20263.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
42-Month Certificate	3.77%	3.82%	42 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72% Oct 9, 20263.82%▲ from 3.72% Sep 14, 20263.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
18-Month Certificate	3.75%	3.81%	18 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.81% ▲ 0.06 pts · high 3.81% / low 3.75% Oct 9, 20263.81%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
38-Month Certificate	3.75%	3.81%	38 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 3.81% ▲ 0.10 pts · high 3.81% / low 3.71% Oct 9, 20263.81%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
39-Month Certificate	3.76%	3.81%	39 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 3.81% ▲ 0.10 pts · high 3.81% / low 3.71% Oct 9, 20263.81%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
12-Month Certificate	3.75%	3.80%	12 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 13, 20263.80%▲ from 3.75% Oct 9, 20263.75%▲ from 3.70% Sep 21, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
36-Month Certificate	3.75%	3.80%	36 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 9, 20263.80%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
37-Month Certificate	3.75%	3.80%	37 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 9, 20263.80%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
60-Month Certificate	3.75%	3.80%	60 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 9, 20263.80%▲ from 3.70% Sep 21, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
19-Month Certificate	3.74%	3.79%	19 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.79% ▲ 0.04 pts · high 3.79% / low 3.75% Oct 9, 20263.79%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
58-Month Certificate	3.74%	3.79%	58 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69% Oct 9, 20263.79%▲ from 3.69% Sep 21, 20263.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
59-Month Certificate	3.74%	3.79%	59 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.69% → 3.79% ▲ 0.10 pts · high 3.79% / low 3.69% Oct 9, 20263.79%▲ from 3.69% Sep 21, 20263.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
11-Month Certificate	3.78%	3.78%	11 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.68% → 3.78% ▲ 0.10 pts · high 3.78% / low 3.68% Oct 9, 20263.78%▲ from 3.68% Sep 21, 20263.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
13-Month Certificate	3.73%	3.78%	13 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.69% → 3.78% ▲ 0.09 pts · high 3.78% / low 3.69% Oct 9, 20263.78%▲ from 3.69% Sep 14, 20263.69%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
20-Month Certificate	3.72%	3.78%	20 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.74% → 3.78% ▲ 0.04 pts · high 3.78% / low 3.74% Oct 9, 20263.78%▲ from 3.74% Sep 14, 20263.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
34-Month Certificate	3.72%	3.78%	34 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.78% ▲ 0.08 pts · high 3.78% / low 3.70% Oct 9, 20263.78%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
35-Month Certificate	3.73%	3.78%	35 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.78% ▲ 0.08 pts · high 3.78% / low 3.70% Oct 9, 20263.78%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
55-Month Certificate	3.72%	3.78%	55 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.68% → 3.78% ▲ 0.10 pts · high 3.78% / low 3.68% Oct 9, 20263.78%▲ from 3.68% Sep 21, 20263.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
56-Month Certificate	3.73%	3.78%	56 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.68% → 3.78% ▲ 0.10 pts · high 3.78% / low 3.68% Oct 9, 20263.78%▲ from 3.68% Sep 21, 20263.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
57-Month Certificate	3.73%	3.78%	57 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.68% → 3.78% ▲ 0.10 pts · high 3.78% / low 3.68% Oct 9, 20263.78%▲ from 3.68% Sep 21, 20263.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
14-Month Certificate	3.72%	3.77%	14 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.68% → 3.77% ▲ 0.09 pts · high 3.77% / low 3.68% Oct 9, 20263.77%▲ from 3.68% Sep 14, 20263.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
33-Month Certificate	3.72%	3.77%	33 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.77% ▲ 0.07 pts · high 3.77% / low 3.70% Oct 9, 20263.77%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
53-Month Certificate	3.72%	3.77%	53 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.67% → 3.77% ▲ 0.10 pts · high 3.77% / low 3.67% Oct 9, 20263.77%▲ from 3.67% Sep 21, 20263.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
54-Month Certificate	3.72%	3.77%	54 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.67% → 3.77% ▲ 0.10 pts · high 3.77% / low 3.67% Oct 9, 20263.77%▲ from 3.67% Sep 21, 20263.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
21-Month Certificate	3.71%	3.76%	21 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.73% → 3.76% ▲ 0.03 pts · high 3.76% / low 3.73% Oct 9, 20263.76%▲ from 3.73% Sep 14, 20263.73%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
32-Month Certificate	3.71%	3.76%	32 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.76% ▲ 0.06 pts · high 3.76% / low 3.70% Oct 9, 20263.76%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
50-Month Certificate	3.70%	3.76%	50 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 9, 20263.76%▲ from 3.66% Sep 21, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
51-Month Certificate	3.71%	3.76%	51 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 9, 20263.76%▲ from 3.66% Sep 21, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
52-Month Certificate	3.71%	3.76%	52 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66% Oct 9, 20263.76%▲ from 3.66% Sep 21, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
15-Month Certificate	3.70%	3.75%	15 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.68% → 3.75% ▲ 0.07 pts · high 3.75% / low 3.68% Oct 9, 20263.75%▲ from 3.68% Sep 14, 20263.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
22-Month Certificate	3.69%	3.75%	22 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.72% → 3.75% ▲ 0.03 pts · high 3.75% / low 3.72% Oct 9, 20263.75%▲ from 3.72% Sep 14, 20263.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
30-Month Certificate	3.69%	3.75%	30 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 9, 20263.75%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
31-Month Certificate	3.70%	3.75%	31 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70% Oct 9, 20263.75%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
48-Month Certificate	3.70%	3.75%	48 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 9, 20263.75%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
49-Month Certificate	3.70%	3.75%	49 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65% Oct 9, 20263.75%▲ from 3.65% Sep 21, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
16-Month Certificate	3.69%	3.74%	16 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.67% → 3.74% ▲ 0.07 pts · high 3.74% / low 3.67% Oct 9, 20263.74%▲ from 3.67% Sep 14, 20263.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
29-Month Certificate	3.69%	3.74%	29 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.74% ▲ 0.04 pts · high 3.74% / low 3.70% Oct 9, 20263.74%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
45-Month Certificate	3.68%	3.74%	45 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 3.74% ▲ 0.10 pts · high 3.74% / low 3.64% Oct 9, 20263.74%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
46-Month Certificate	3.69%	3.74%	46 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 3.74% ▲ 0.10 pts · high 3.74% / low 3.64% Oct 9, 20263.74%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
47-Month Certificate	3.69%	3.74%	47 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 3.74% ▲ 0.10 pts · high 3.74% / low 3.64% Oct 9, 20263.74%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
23-Month Certificate	3.68%	3.73%	23 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.72% → 3.73% ▲ 0.01 pts · high 3.73% / low 3.72% Oct 9, 20263.73%▲ from 3.72% Sep 14, 20263.72%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
28-Month Certificate	3.68%	3.73%	28 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.73% ▲ 0.03 pts · high 3.73% / low 3.70% Oct 9, 20263.73%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
43-Month Certificate	3.68%	3.73%	43 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.63% → 3.73% ▲ 0.10 pts · high 3.73% / low 3.63% Oct 9, 20263.73%▲ from 3.63% Sep 14, 20263.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
44-Month Certificate	3.68%	3.73%	44 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.63% → 3.73% ▲ 0.10 pts · high 3.73% / low 3.63% Oct 9, 20263.73%▲ from 3.63% Sep 14, 20263.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
17-Month Certificate	3.67%	3.72%	17 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 3.72% ▲ 0.06 pts · high 3.72% / low 3.66% Oct 9, 20263.72%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
26-Month Certificate	3.66%	3.72%	26 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.72% ▲ 0.02 pts · high 3.72% / low 3.70% Oct 9, 20263.72%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
27-Month Certificate	3.67%	3.72%	27 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.72% ▲ 0.02 pts · high 3.72% / low 3.70% Oct 9, 20263.72%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
40-Month Certificate	3.67%	3.72%	40 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.62% → 3.72% ▲ 0.10 pts · high 3.72% / low 3.62% Oct 9, 20263.72%▲ from 3.62% Sep 14, 20263.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
41-Month Certificate	3.67%	3.72%	41 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.62% → 3.72% ▲ 0.10 pts · high 3.72% / low 3.62% Oct 9, 20263.72%▲ from 3.62% Sep 14, 20263.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
42-Month Certificate	3.67%	3.72%	42 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.62% → 3.72% ▲ 0.10 pts · high 3.72% / low 3.62% Oct 9, 20263.72%▲ from 3.62% Sep 14, 20263.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
18-Month Certificate	3.66%	3.71%	18 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.71% ▲ 0.06 pts · high 3.71% / low 3.65% Oct 9, 20263.71%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
25-Month Certificate	3.66%	3.71%	25 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.71% ▲ 0.01 pts · high 3.71% / low 3.70% Oct 9, 20263.71%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
38-Month Certificate	3.66%	3.71%	38 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61% Oct 9, 20263.71%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
39-Month Certificate	3.66%	3.71%	39 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61% Oct 9, 20263.71%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
24-Month Certificate	3.65%	3.70%	24 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
36-Month Certificate	3.65%	3.70%	36 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60% Oct 9, 20263.70%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
37-Month Certificate	3.65%	3.70%	37 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60% Oct 9, 20263.70%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
19-Month Certificate	3.64%	3.69%	19 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.69% ▲ 0.04 pts · high 3.69% / low 3.65% Oct 9, 20263.69%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
11-Month Certificate	3.68%	3.68%	11 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.58% → 3.68% ▲ 0.10 pts · high 3.68% / low 3.58% Oct 9, 20263.68%▲ from 3.58% Sep 21, 20263.58%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
20-Month Certificate	3.63%	3.68%	20 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.64% → 3.68% ▲ 0.04 pts · high 3.68% / low 3.64% Oct 9, 20263.68%▲ from 3.64% Sep 14, 20263.64%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
34-Month Certificate	3.63%	3.68%	34 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.68% ▲ 0.08 pts · high 3.68% / low 3.60% Oct 9, 20263.68%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
35-Month Certificate	3.63%	3.68%	35 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.68% ▲ 0.08 pts · high 3.68% / low 3.60% Oct 9, 20263.68%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
10-Month Certificate	3.67%	3.67%	10 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.57% → 3.67% ▲ 0.10 pts · high 3.67% / low 3.57% Oct 9, 20263.67%▲ from 3.57% Sep 21, 20263.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
33-Month Certificate	3.62%	3.67%	33 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.67% ▲ 0.07 pts · high 3.67% / low 3.60% Oct 9, 20263.67%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
21-Month Certificate	3.61%	3.66%	21 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.63% → 3.66% ▲ 0.03 pts · high 3.66% / low 3.63% Oct 9, 20263.66%▲ from 3.63% Sep 14, 20263.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
32-Month Certificate	3.61%	3.66%	32 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60% Oct 9, 20263.66%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
22-Month Certificate	3.60%	3.65%	22 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.62% → 3.65% ▲ 0.03 pts · high 3.65% / low 3.62% Oct 9, 20263.65%▲ from 3.62% Sep 14, 20263.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
30-Month Certificate	3.60%	3.65%	30 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 9, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
31-Month Certificate	3.60%	3.65%	31 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 9, 20263.65%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
5-Year IRA Certificate	3.60%	3.65%	5 years
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
29-Month Certificate	3.59%	3.64%	29 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.64% ▲ 0.04 pts · high 3.64% / low 3.60% Oct 9, 20263.64%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
23-Month Certificate	3.58%	3.63%	23 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.62% → 3.63% ▲ 0.01 pts · high 3.63% / low 3.62% Oct 9, 20263.63%▲ from 3.62% Sep 14, 20263.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
28-Month Certificate	3.58%	3.63%	28 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.63% ▲ 0.03 pts · high 3.63% / low 3.60% Oct 9, 20263.63%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
26-Month Certificate	3.57%	3.62%	26 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.62% ▲ 0.02 pts · high 3.62% / low 3.60% Oct 9, 20263.62%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
27-Month Certificate	3.57%	3.62%	27 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.62% ▲ 0.02 pts · high 3.62% / low 3.60% Oct 9, 20263.62%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
25-Month Certificate	3.56%	3.61%	25 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.61% ▲ 0.01 pts · high 3.61% / low 3.60% Oct 9, 20263.61%▲ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
1-Year IRA Certificate	3.55%	3.60%	1 year
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
2-Year IRA Certificate	3.55%	3.60%	2 years
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
24-Month Certificate	3.55%	3.60%	24 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
3-Year IRA Certificate	3.55%	3.60%	3 years
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
10-Month Certificate	3.57%	3.57%	10 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.47% → 3.57% ▲ 0.10 pts · high 3.57% / low 3.47% Oct 9, 20263.57%▲ from 3.47% Sep 21, 20263.47%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
5-Year IRA Certificate	3.50%	3.55%	5 years
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
9-Month Certificate	3.55%	3.55%	9 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45% Oct 9, 20263.55%▲ from 3.45% Sep 21, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
1-Year IRA Certificate	3.45%	3.50%	1 year
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
2-Year IRA Certificate	3.45%	3.50%	2 years
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
3-Year IRA Certificate	3.45%	3.50%	3 years
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
9-Month Certificate	3.45%	3.45%	9 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.35% → 3.45% ▲ 0.10 pts · high 3.45% / low 3.35% Oct 9, 20263.45%▲ from 3.35% Sep 21, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
8-Month Certificate	3.43%	3.43%	8 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.33% → 3.43% ▲ 0.10 pts · high 3.43% / low 3.33% Oct 9, 20263.43%▲ from 3.33% Sep 21, 20263.33%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
3 Year Rate Boost Certificate	3.35%	3.40%	3 Year
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
5 Year Rate Boost Certificate	3.35%	3.40%	5 Year
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
8-Month Certificate	3.33%	3.33%	8 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.23% → 3.33% ▲ 0.10 pts · high 3.33% / low 3.23% Oct 9, 20263.33%▲ from 3.23% Sep 21, 20263.23%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
7-Month Certificate	3.32%	3.32%	7 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.22% → 3.32% ▲ 0.10 pts · high 3.32% / low 3.22% Oct 9, 20263.32%▲ from 3.22% Sep 21, 20263.22%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
3 Year Rate Boost Certificate	3.25%	3.30%	3 Year
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
5 Year Rate Boost Certificate	3.25%	3.30%	5 Year
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
1-Year Add On Certificate	3.21%	3.25%	1 year
Min Balance $100 Details Balance: $100.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
7-Month Certificate	3.22%	3.22%	7 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.12% → 3.22% ▲ 0.10 pts · high 3.22% / low 3.12% Oct 9, 20263.22%▲ from 3.12% Sep 21, 20263.12%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
6-Month Certificate	3.10%	3.10%	6 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 21, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
6-Month Certificate	3.10%	3.10%	6 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00% Oct 9, 20263.10%▲ from 3.00% Sep 21, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
5-Month Certificate	2.98%	2.98%	5 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 2.88% → 2.98% ▲ 0.10 pts · high 2.98% / low 2.88% Oct 9, 20262.98%▲ from 2.88% Sep 21, 20262.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
5-Month Certificate	2.98%	2.98%	5 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 2.88% → 2.98% ▲ 0.10 pts · high 2.98% / low 2.88% Oct 9, 20262.98%▲ from 2.88% Sep 21, 20262.88%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
4-Month Certificate	2.91%	2.91%	4 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 2.81% → 2.91% ▲ 0.10 pts · high 2.91% / low 2.81% Oct 9, 20262.91%▲ from 2.81% Sep 21, 20262.81%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
4-Month Certificate	2.91%	2.91%	4 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 2.81% → 2.91% ▲ 0.10 pts · high 2.91% / low 2.81% Oct 9, 20262.91%▲ from 2.81% Sep 21, 20262.81%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
3-Month Certificate	2.85%	2.85%	3 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75% Oct 9, 20262.85%▲ from 2.75% Sep 21, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
3-Month Certificate	2.85%	2.85%	3 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History 1 change since Sep 21, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75% Oct 9, 20262.85%▲ from 2.75% Sep 21, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Business CD Rates

Product	Rate	APY	Term
Business 60-Month (5-Year) Share Certificate	3.70%	3.75%	60 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 58-Month Share Certificate	3.69%	3.74%	58 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.74% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 59-Month Share Certificate	3.69%	3.74%	59 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.74% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 55-Month Share Certificate	3.68%	3.73%	55 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.73% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 56-Month Share Certificate	3.68%	3.73%	56 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.73% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 57-Month Share Certificate	3.68%	3.73%	57 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.73% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 53-Month Share Certificate	3.67%	3.72%	53 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.72% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 54-Month Share Certificate	3.67%	3.72%	54 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.72% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 50-Month Share Certificate	3.66%	3.71%	50 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 51-Month Share Certificate	3.66%	3.71%	51 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 52-Month Share Certificate	3.66%	3.71%	52 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.71% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 48-Month (4 year) Share Certificate	3.65%	3.70%	48 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 49-Month Share Certificate	3.65%	3.70%	49 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 45-Month Share Certificate	3.64%	3.69%	45 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.69% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 46-Month Share Certificate	3.64%	3.69%	46 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.69% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 47-Month Share Certificate	3.64%	3.69%	47 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.69% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 43-Month Share Certificate	3.63%	3.68%	43 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 44-Month Share Certificate	3.63%	3.68%	44 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 40-Month Share Certificate	3.62%	3.67%	40 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.67% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 41-Month Share Certificate	3.62%	3.67%	41 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.67% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 42-Month Share Certificate	3.62%	3.67%	42 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.67% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 38-Month Share Certificate	3.61%	3.66%	38 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 39-Month Share Certificate	3.61%	3.66%	39 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 13-Month Share Certificate	3.60%	3.65%	13 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 14-Month Share Certificate	3.60%	3.65%	14 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 15-Month Share Certificate	3.60%	3.65%	15 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 16-Month Share Certificate	3.60%	3.65%	16 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 17-Month Share Certificate	3.60%	3.65%	17 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 18-Month Share Certificate	3.60%	3.65%	18 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 19-Month Share Certificate	3.60%	3.65%	19 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 20-Month Share Certificate	3.60%	3.65%	20 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 21-Month Share Certificate	3.60%	3.65%	21 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 22-Month Share Certificate	3.60%	3.65%	22 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 23-Month Share Certificate	3.60%	3.65%	23 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 24-Month (2 year) Share Certificate	3.60%	3.65%	24 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 25-Month Share Certificate	3.60%	3.65%	25 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 26-Month Share Certificate	3.60%	3.65%	26 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 27-Month Share Certificate	3.60%	3.65%	27 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 28-Month Share Certificate	3.60%	3.65%	28 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 29-Month Share Certificate	3.60%	3.65%	29 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 30-Month Share Certificate	3.60%	3.65%	30 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 31-Month Share Certificate	3.60%	3.65%	31 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 32-Month Share Certificate	3.60%	3.65%	32 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 33-Month Share Certificate	3.60%	3.65%	33 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 34-Month Share Certificate	3.60%	3.65%	34 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 35-Month Share Certificate	3.60%	3.65%	35 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 36-Month (3 year) Share Certificate	3.60%	3.65%	36 months
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 37-Month Share Certificate	3.60%	3.65%	37 months
Min Balance $25,000 Details Balance: $25,000.00 + over Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 60-Month (5-Year) Share Certificate	3.60%	3.65%	60 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 58-Month Share Certificate	3.59%	3.64%	58 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.64% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 59-Month Share Certificate	3.59%	3.64%	59 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.64% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 55-Month Share Certificate	3.58%	3.63%	55 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 56-Month Share Certificate	3.58%	3.63%	56 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 57-Month Share Certificate	3.58%	3.63%	57 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.63% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 53-Month Share Certificate	3.57%	3.62%	53 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.62% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 54-Month Share Certificate	3.57%	3.62%	54 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.62% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 50-Month Share Certificate	3.56%	3.61%	50 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 51-Month Share Certificate	3.56%	3.61%	51 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 52-Month Share Certificate	3.56%	3.61%	52 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 48-Month (4 year) Share Certificate	3.55%	3.60%	48 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 49-Month Share Certificate	3.55%	3.60%	49 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 45-Month Share Certificate	3.54%	3.59%	45 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.59% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 46-Month Share Certificate	3.54%	3.59%	46 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.59% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 47-Month Share Certificate	3.54%	3.59%	47 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.59% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 43-Month Share Certificate	3.53%	3.58%	43 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 44-Month Share Certificate	3.53%	3.58%	44 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.58% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 40-Month Share Certificate	3.52%	3.57%	40 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 41-Month Share Certificate	3.52%	3.57%	41 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 42-Month Share Certificate	3.52%	3.57%	42 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.57% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 38-Month Share Certificate	3.51%	3.56%	38 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 39-Month Share Certificate	3.51%	3.56%	39 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 1 Year Add-On Share Certificate	3.50%	3.55%	1 Year
Min Deposit $100 Details Balance: $100.00 + over; Add-On Share Certificate Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 13-Month Share Certificate	3.50%	3.55%	13 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 14-Month Share Certificate	3.50%	3.55%	14 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 15-Month Share Certificate	3.50%	3.55%	15 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 16-Month Share Certificate	3.50%	3.55%	16 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 17-Month Share Certificate	3.50%	3.55%	17 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 18-Month Share Certificate	3.50%	3.55%	18 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 19-Month Share Certificate	3.50%	3.55%	19 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 20-Month Share Certificate	3.50%	3.55%	20 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 21-Month Share Certificate	3.50%	3.55%	21 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 22-Month Share Certificate	3.50%	3.55%	22 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 23-Month Share Certificate	3.50%	3.55%	23 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 24-Month (2 year) Share Certificate	3.50%	3.55%	24 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 25-Month Share Certificate	3.50%	3.55%	25 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 26-Month Share Certificate	3.50%	3.55%	26 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 27-Month Share Certificate	3.50%	3.55%	27 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 28-Month Share Certificate	3.50%	3.55%	28 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 29-Month Share Certificate	3.50%	3.55%	29 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 30-Month Share Certificate	3.50%	3.55%	30 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 31-Month Share Certificate	3.50%	3.55%	31 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 32-Month Share Certificate	3.50%	3.55%	32 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 33-Month Share Certificate	3.50%	3.55%	33 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 34-Month Share Certificate	3.50%	3.55%	34 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 35-Month Share Certificate	3.50%	3.55%	35 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 36-Month (3 year) Share Certificate	3.50%	3.55%	36 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 37-Month Share Certificate	3.50%	3.55%	37 months
Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business 1-Year Add On Certificate	3.21%	3.25%	1 year
Min Balance $100 Details Balance: $100.00 and over Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.55% / low 3.25% Oct 13, 20263.25%▼ from 3.55% Oct 9, 20263.55%▲ from 3.25% Sep 21, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings	5.00%	5.00%
Details Special rate applies only on the first $500 deposited as long as member meets all requirements. Requirements: age 19 or younger, valid government issued photo ID or social security number for minors, parent or legal guardian joint on account. At age 20 balance transfers to prime share account. Deposits over $500.00 earn the regular share savings rate. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	3.20%	3.25%
Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	2.23%	2.25%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	0.45%	0.45%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Savings	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Savings	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Christmas Savings	0.10%	0.10%
Details Dividend rate column Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Membership Savings	0.10%	0.10%
Details Dividend rate column Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Savings	0.10%	0.10%
Details Dividend rate column Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Vacation Savings	0.10%	0.10%
Details Dividend rate column Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Premium Savings	0.20%	0.20%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000.00 + over; Dividends paid quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business Premium Savings	0.15%	0.15%
Min Deposit $1 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Dividends paid quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business Premium Savings	0.10%	0.10%
Min Deposit $1 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Dividends paid quarterly Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business Membership Savings	0.05%	0.05%
Min Balance $1 Details Minimum balance of $1.00 required to obtain Credit Union membership. Dividends paid quarterly. Account transfer limitations may apply. Minimum balance required to obtain APY. Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business Savings	0.05%	0.05%
Min Balance $1 Details Dividends paid quarterly; Account transfer limitations may apply; Minimum balance required to obtain APY Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market Savings	3.20%	3.25%
Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	2.23%	2.25%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	1.24%	1.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	0.45%	0.45%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Money Market Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Checking Rates

Product	Rate	APY
Premium Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 +; Balance required to earn dividends is $2,000. Dividends paid monthly. Minimum balance required to obtain APY. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Checking	0.10%	0.10%
Min Balance $20,000 Details Balance: $20,000.00 - $49,999.99; Balance required to earn dividends is $2,000. Dividends paid monthly. Minimum balance required to obtain APY. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Premium Checking	0.05%	0.05%
Min Balance $2,000 Details Balance: $2,000.00 - $19,999.99; Balance required to earn dividends is $2,000. Dividends paid monthly. Minimum balance required to obtain APY. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Premium Checking	0.03%	0.03%
Min Balance $1 Details Balance: $50,000.00 and over; Balance required to earn dividends is $2,000; Dividends paid monthly; Monthly Service Charge assessed if average daily balance is below $2,000.00 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.03% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Business Premium Checking	0.01%	0.01%
Min Balance $1 Details Balance: $2,000.00 - $19,999.99; Balance required to earn dividends is $2,000; Dividends paid monthly; Monthly Service Charge assessed if average daily balance is below $2,000.00 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity LOC up to 80% LTV	7.00%	-	7.00%	10 year
Details Term: 10 year draw period, 10 year repayment period; Real Estate Loans**; Loan amount: $500,000; Variable; WSJ prime rate Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 13, 20267.00%▲ from 6.75%* Sep 18, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity Up to 80% LTV	7.00%	-	7.00%	Up to 60 months
Details Real Estate Loans***; Loan amount: $500,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity Up to 80% LTV	7.50%	-	7.50%	61 months
Details Term: Over 61 months, up to 120 months; Real Estate Loans***; Loan amount: $500,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity 80.01% to 90% LTV	7.75%	-	7.75%	Up to 60 months
Details Real Estate Loans***; Loan amount: $500,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity LOC 80.01% to 90% LTV	8.00%	-	8.00%	10 year
Details Term: 10 year draw period, 10 year repayment period; Real Estate Loans**; Loan amount: $500,000; Variable; WSJ prime rate plus 1.00% Last Updated 10/13/2026 Rate History 1 change since Sep 17, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 2, 20268.00%▲ from 7.75%* Sep 17, 20267.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity Up to 80% LTV	8.00%	-	8.00%	121 months
Details Term: Over 121 months, up to 180 months; Real Estate Loans***; Loan amount: $500,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity 80.01% to 90% LTV	8.25%	-	8.25%	61 months
Details Term: Over 61 months, up to 120 months; Real Estate Loans***; Loan amount: $500,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity 80.01% to 90% LTV	8.75%	-	8.75%	121 months
Details Term: Over 121 months, up to 180 months; Real Estate Loans***; Loan amount: $500,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity 90.01% to 100% LTV	9.25%	-	9.25%	Up to 60 months
Details Real Estate Loans***; Loan amount: $250,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity 90.01% to 100% LTV	9.75%	-	9.75%	61 months
Details Term: Over 61 months, up to 120 months; Real Estate Loans***; Loan amount: $250,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Home Equity 90.01% to 100% LTV	10.25%	-	10.25%	121 months
Details Term: Over 121 months, up to 180 months; Real Estate Loans***; Loan amount: $250,000 Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 10.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loans	-	-	4.74%
Details As Low As; Rates as low as 4.74% APR*; Terms from 12 to 84-months; Annual percentage rate may vary depending on individual credit history and underwriting terms Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
New Auto Loan	4.74%	-	13.74%	12 to 36 Months
Details Auto Loans*; New; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 13.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Used Auto Loan	5.24%	-	14.24%	12 to 36 Months
Details Auto Loans*; Used; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 14.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
New Auto Loan	5.74%	-	14.74%	37 to 48 Months
Details Auto Loans*; New; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 14.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
New Auto Loan	5.99%	-	14.99%	49 to 60 Months
Details Auto Loans*; New; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 14.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Used Auto Loan	5.99%	-	14.99%	37 to 48 Months
Details Auto Loans*; Used; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 14.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
New Auto Loan	6.49%	-	15.49%	61 to 72 Months
Details Auto Loans*; New; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 15.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Used Auto Loan	6.49%	-	15.49%	49 to 60 Months
Details Auto Loans*; Used; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 15.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Used Auto Loan	6.74%	-	15.74%	61 to 72 Months
Details Auto Loans*; Used; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 15.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
New Auto Loan	7.49%	-	16.49%	73 to 84 Months
Details Auto Loans*; New; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 16.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Used Auto Loan	7.74%	-	16.74%	73 to 84 Months
Details Auto Loans*; Used; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 16.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Older Model Year Vehicle Loan	7.99%	-	16.99%	12 to 36 Months
Details Auto Loans*; Older Model Year Vehicles; Contact Credit Union; Maximum APR column Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Older Model Year Vehicle Loan	7.99%	-	16.99%	37 to 60 Months
Details Auto Loans*; Older Model Year Vehicles; Contact Credit Union; Maximum APR column Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Older Model Year Vehicle Loan	8.99%	-	17.99%	61 to 72 Months
Details Auto Loans*; Older Model Year Vehicles; Contact Credit Union; Maximum APR column Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 17.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat & RV Loan	7.49%	16.49%	Up to 72 months
Details Boat & RV Loans**; New & Used; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 16.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Sports Recreational Vehicle Loan (ATV, UTV, SXS, and Personal Watercraft)	7.99%	16.99%	Up to 72 months
Details New & Used; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Credit Card Rates

Product	Rate	APR
Preferred Visa	-	7.90%
Details Credit Amount: $10,000 - $30,000; No Annual Fee Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Credit Builder Credit Card	-	9.72%
Details Credit Amount: $250 - $6,000; No Annual Fee Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.72% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Visa	-	9.90%
Details Credit Amount: $500 - $10,000; No Annual Fee Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Rewards Visa	-	13.49%
Details Credit Amount: $5,000 - $30,000; No Annual Fee Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Personal Loan Rates

Product	APR	Term
Sports Recreational Vehicle Loan (ATV, UTV, SXS, and Personal Watercraft)	16.99%	Up to 72 months
Details New & Used; 100% of MSRP/NADA Value; Maximum APR column Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 16.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Personal Loan	18.00%	12 to 36 months
Details Loan amount: $50,000; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Personal Loan	18.00%	37 to 72 months
Details Loan amount: $50,000; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 18.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Topside Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	13.75%	-	13.75%
Details Credit line: $30,000; Minimum Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 13.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
Quick Cash Loan	25.00%	-	25.00%	1 to 12 months
Details Loan amount: $250 - $2,000; Maximum APR column Last Updated 10/13/2026 Rate History No change since Sep 17, 2026 · 25.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
IRA - Variable Rate	0.05%	-	0.05%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
IRA - Variable Rate	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
IRA - Variable Rate	0.20%	-	0.20%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%
IRA - Variable Rate	0.25%	-	0.25%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.63%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Topside Federal Credit Union’s Texas Ratio rose from 3.92% in Q3 2023 to 6.63% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$492M	6.63%	5.0	A
March 31, 2026	$491M	5.65%	5.0	A+
December 31, 2025	$488M	5.13%	5.0	A+
September 30, 2025	$482M	6.05%	5.0	A
June 30, 2025	$485M	6.01%	5.0	A
March 31, 2025	$492M	6.01%	5.0	A
December 31, 2024	$473M	5.59%	5.0	A+
September 30, 2024	$469M	5.22%	5.0	A+
June 30, 2024	$477M	4.25%	5.0	A+
March 31, 2024	$487M	4.15%	5.0	A+
December 31, 2023	$483M	4.56%	5.0	A+
September 30, 2023	$491M	3.92%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 93

Part-Time Employees 24

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.63%

Return on Assets (ROA)

0.5045%

Return on Equity (ROE)

5.7170%

Non-Performing Loans Ratio (NPL)

1.14%

Total Assets

492,092,381

Total Amount of Shares and Deposits

455,184,939

Total Shares and Deposits < 1 Year

381,967,489

Total Shares and Deposits 1 3 Years

65,510,991

Total Shares and Deposits > 3 Years

7,706,459

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

36,897,772

Total Uninsured Shares and Deposits > $250K (F+J)

36,897,772

Total Insured Shares and Deposits > $250K (item 17 less item K)

418,287,167

Total Interest Expense (Sum of items 6 8)

1,593,733

Share Certificates

1,989

Number of Accounts for Share Drafts

21,115

IRA KEOGH Accounts

850

Number of Accounts for Regular Shares

47,027

All other shares

261

Money Market Shares

1,814

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

24,760,164

Total Liabilities

458,040,450

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Topside Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Topside Federal Credit Union

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

12-Month CD3.25%
18-Month CD3.55%
24-Month CD3.50%
60-Month CD3.30%
Savings5.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Topside Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Topside Federal Credit Union Texas Ratio

Topside Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Topside Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Topside Federal Credit Union

How many branches does Topside Federal Credit Union operate?

Is a member application needed to join Topside Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Topside Federal Credit Union offer online and mobile banking?

Current Topside Federal Credit Union Rates

Compare to Other Credit Unions