Topside Federal Credit Union
Headquarters
Po Box 519
Dahlgren, VA 22448
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Reviewed by Dawncoop | 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 )
2025 Overview
General Credit Union Information
Topside is an NCUA insured institution located in Dahlgren, VA. It was founded in 1961 and has approximately $492.35 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 | $492.35 million |
| Loans | $273.09 million |
| Deposits | $461.75 million |
| Capital | $38.80 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 - July 30, 2025
Your Current Location: New York, NY 10116
| 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 |
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 More |
Loan Rates - July 30, 2025
Your Current Location: New York, NY 10116
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 - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.380% | 6.250% | 0.75 | $4,414 | $1,971 | Learn More |
NMLS ID: 1067 |
6.445% | 6.375% | 0.75 | $2,362 | $1,997 | Learn More |
NMLS ID: 613839 |
6.610% | 6.490% | 0.63 | $3,999 | $2,021 | Learn More |
NMLS ID: 399799 |
6.626% | 6.500% | 1.00 | $4,348 | $2,023 | Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to Topside
To upload and update your bank's rates please register.
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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:
New York City,New York
Topside Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 230.16 | A | View Lobby Hours | |
| 231.26 | B | View Lobby Hours | |
| 248.22 | C | View Lobby Hours | |
| 252.45 | D | View Lobby Hours |
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 |
|---|---|
| 5.18% | 6.86 |
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 March 31, 2025, Topside had $2,028,244 in non-current loans and $71,887 in owned assets. To cover these potential losses it had $38,803,137 in net worth and $1,710,930 in loans loss reserves. That gives it a Texas Ratio of 5.18%.
Net Worth
| Topside | U.S. Average |
|---|---|
| 7.88% | 14.12% |
Topside FCU has a net worth of 7.88% versus the BestCashCow average of 14.12. 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
Dawncoop
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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