2021 Overview
General Credit Union Information
Topside is an NCUA insured institution located in Dahlgren, VA. It was founded in 1961 and has approximately $456.3 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 | $456.30 million |
| Loans | $205.72 million |
| Deposits | $420.22 million |
| Capital | $31.81 million |
Field of Membership Restrictions
Deposit Rates - April 11, 2021
Your Current Location: California, CA 92111
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.30% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.76% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.01% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.16% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - April 11, 2021
Your Current Location: California, CA 92111
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 - California 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 257476 |
2.884% | 2.750% | 0.75 | $4,368 | $1,021 | Learn More |
NMLS ID: 257476 |
2.884% | 2.750% | 0.75 | $4,368 | $1,021 | Learn More |
|
NMLS ID: 257476 |
2.884% | 2.750% | 0.75 | $4,368 | $1,021 | Learn More |
NMLS ID: 1429243 |
2.706% | 2.625% | 0.63 | $2,668 | $1,005 | Learn More |
Featured - California Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
2.240 %
|
$0 |
Learn More
More Info |
Note to TOPSIDE
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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:
San Diego,California
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 |
|---|---|
| 2.27% | 5.40 |
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, 2020, Topside had $722,278 in non-current loans and $22,800 in owned assets. To cover these potential losses it had $31,812,482 in net worth and $1,021,075 in loans loss reserves. That gives it a Texas Ratio of 2.27%.
Net Worth
| Topside | U.S. Average |
|---|---|
| 6.97% | 12.67% |
Topside FCU has a net worth of 6.97% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About Topside
Branches and Savings
What is Topside?
A federal credit union, registered with the NCUA under certificate #14754.
Learn more about credit unions here.
Is Topside FDIC insured?
No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Topside is insured by the NCUA.
Who can join Topside?
Please see Field of Membership information above for information on who is eligible to join.
How big is Topside?
Topside has total capital of $31.81 million. Full information on Topside's financial position is located above.
Who owns Topside?
Credit Unions are owned by their members.
Where are Topside branches located?
See branch locations nearby.
Are Topside ATMs Open 24/7?
Do Topside ATMs accept cash deposits?
Can Topside customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Topside have a mobile app?
Does Topside have mobile deposit?
Does Topside have quick pay?
How can Topside transfer money to other banks or credit unions?
Does Topside report to credit bureaus?
Does Topside use Chexsystems?
Does Topside use Equifax?
What is Topside's toll free phone number?
What is Topside's ACH Routing Number?
What is Topside's SWIFT code?
Where can I find Topside's wire transfer form?
What is the Topside address for deposits?
What Products Does Topside Offer
Does Topside offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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