Topside Federal Credit Union

Headquarters

Po Box 519
Dahlgren, VA 22448
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Notable Rates APY Vs.Others
Savings 0.20% 5.55% →
1-Year CD 0.60% 5.60% →
2-Year CD 0.76% 5.00% →
5-Year CD 1.16% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Topside is an NCUA insured institution located in Dahlgren, VA. It was founded in 1961 and has approximately $482.96 millions in assets.

Who can join?

To be eligible for individual membership you must meet one of these criteria:

Civilian and military personnel of the U.S. Government who work for or are permanently stationed at Naval Support Activity South Potomac (NSASP)-Dahlgren, or one of its tenant commands.

Members of the U.S. Armed Forces, active or retired, who are receiving authorized benefits or services primarily from NSASP-Dahlgren.
Civilian and military personnel employed by the Department of the Navy in the Washington Metropolitan area who live in the City of Fredericksburg or the counties of Stafford, Spotsylvania or King George.

Civilian personnel retired from NSASP-Dahlgren and its tenant commands.

Persons who work regularly at NSASP-Dahlgren and are employed by contractors who maintain offices within a 35-mile radius of NSASP-Dahlgren and have a contract with the U.S. Government for a minimum of 6 months continuously prior to making application for membership.

Civilian and military personnel of the U.S. Government who work at Fort A.P. Hill, Bowling Green, Virginia.

Persons who work regularly at Fort A.P. Hill, Bowling Green, Virginia, and are employed by contractors who maintain offices within a 35-mile radius of Fort A.P. Hill and have a contract with the U.S. Government for a minimum of 6 months continuously prior to making application for membership.

Government employees assigned to George Washington's Birthplace Memorial located in Westmoreland County, Virginia.

Dependent spouses of deceased members.

Organizations of members that have a federal Tax ID#.

Persons who live, work, worship, or attend school in the City of Fredericksburg, Virginia.

The immediate family of any members. An immediate family member will consist of spouses, children, siblings, parents, grandparents, or grandchildren.

Household membership will be extended to individuals living in the same residence as a member, maintaining a single economic unit.

Employees of one of the union's Sponsor Groups.

NCUA Insured Yes / Federally Chartered
Charter Number # # 14754
Date Established 1961
Assets $482.96 million
Loans $301.49 million
Deposits $433.19 million
Capital $35.25 million
 

Field of Membership Restrictions

Membership is open to civilian and military personnel of the U.S. Government who work for or are permanently stationed at Naval Support Activity South Potomac (NSASP)-Dahlgren, or one of its tenant commands. Membership is also open to employees and military personnel working in select areas (see field of membership) and to those who live, work, worship or attend school in Fredericksburg, Virginia.

Deposit Rates - April 19, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.60% $10,000 $14,999 Learn More
12 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.76% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
1.01% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.16% $10,000 $14,999 Learn More
60 Mo CD
1.15% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - April 19, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Topside

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.994% 6.875% 0.63 $3,901 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.451% 7.375% 0.75 $2,400 $2,211 Learn More
Veterans United Home Loans
NMLS ID: 1907
Learn More
FHAloans.com
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Topside
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Topside branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Topside Locations



Climate Policy and Initiatives

TOPSIDE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Topside Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Topside. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Topside U.S. Average
6.83% 6.97

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2023, Topside had $2,502,554 in non-current loans and $21,094 in owned assets. To cover these potential losses it had $35,250,855 in net worth and $1,710,930 in loans loss reserves. That gives it a Texas Ratio of 6.83%.

Net Worth
Topside U.S. Average
7.3% 13.62%

Topside FCU has a net worth of 7.3% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Topside


  • February 21, 2023 |

    I chose NSWFCU ( now Topside) for a personal account in 2012 as a school social worker in King George County.
    I again chose NSWFCU for a business account in 2017 when I opened up a private practice to provide affordable mental health care in the community.
    I did this to support local businesses. However, this credit union will not protect me as a customer and part of the community.
    There was a death in our family this month, and I took time off to take care of the cremation, etc. My account was low and went into the negative due to electronic charges that I was unaware of. I was charged $32 for attempted charges as low as $5, and Topside continued to allow charges even though the account was negative.
    I have over $400 in NSF fees this month from unauthorized electronic debits attempted multiple times.
    I have not written bad checks that have bounced or taken advantage of Topside.
    Topside ( formerly NSWFCU) has denied my request to stop charges and only allow deposits. I have only been told that there is nothing that they can do while my account is in the negative.
    Like most Americans, $400 is a significant amount. This situation has led to other essential bills being unpaid.
    I am disappointed that a credit union in our community will hang people out to dry in a difficult time only to make profits.
    I would encourage community members and small business owners to reconsider their relationship with Topside FCU since they do not adhere to the values that keep our families safe and thriving.
    Dawn Cooperstein LCSW (formerly Weisenberger )


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