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TopLine offers some of the best rates around. Check out today’s rates on fixed
and variable-rate car loans, home equity loans and lines of credit, personal loans
and more. You can also find dividend rates for share certificates, IRA certificates,
money market savings and checking accounts.
Please refresh your browser to be sure you are viewing the latest updates.
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Loan & Savings as of
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Car Loans
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Model Year
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Loan Term
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Fixed APR*
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Payment Per $1,000
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2007 - 2008
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48 months
60 months
72 months
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starting at 4.49%**
starting at 4.99%**
starting at 5.49%**
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$22.81
$18.88
$16.35
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2004 - 2006
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48-60 months
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starting at 5.24%**
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$23.15 - $18.99
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2002 -
2003
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60 month
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starting at 6.49%**
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$19.57
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2001
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48 month
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starting at 6.74%**
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$23.84
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* APR means Annual Percentage Rate.
** APR is available when loan–to–value (LTV) is 80% or less.
TopLine checking account with direct deposit and auto pay is required.
Actual APR may vary based on credit history
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Recreational Vehicle Loans
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Model Year
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Loan Term
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Fixed APR*
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Payment Per $1,000
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2007 - 2008
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48 months
60 months
84 months
120 months
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starting at 5.74%
starting at 5.99%
starting at 6.14%
starting at 6.24%**
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$23.38
$19.34
$14.69
$11.23
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2004-2006
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36 months
48 months
60 months
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starting at 6.24%
starting at 7.24%
starting at 7.74%
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$30.54
$24.07
$20.16
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* APR is available when loan–to–value (LTV) is 80% or less.
TopLine checking account with direct deposit and auto pay is required.
Actual APR may vary based on credit history.
** Available on RV's over $25,000 and boats over $15,000 only.
Variable rates and additional terms may be available - call
for details.
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Personal Loans (includes recreational vehicles
older than 2004, and jet skis, snowmobiles and 4-wheelers older than 2007)
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Loan Term
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Fixed APR*
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Payment Per $1,000
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48 months
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starting at 11.24%
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$25.98
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*APR means Annual Percentage Rate. Final rate is based
on credit history.
Checking account at TopLine with direct deposit is required, otherwise
add .50%.
Variable rates and additional terms may be available - call for
details.
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Checking Account Lines of Credit
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Variable APR*
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11.00%
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*APR means Annual Percentage Rate. Variable rate is subject
to change monthly based on the Prime Rate
as published in the Wall Street Journal plus 6.0%.
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Home Equity Loans
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Loan to Value
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Fixed APR*
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80% or less
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starting at 5.99%
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81% to 90%
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starting at 6.99%
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91% to 100%
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starting at 8.49%
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*APR means Annual Percentage Rate. Final rate is based
on credit history.
Checking account at TopLine with direct deposit is required,
otherwise add .25%.
Add .25% if payment is not automatic debit from a TopLine Account.
Additional terms may be available - call for details.
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Home Equity Lines of Credit - Fixed Rate
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Fixed Rate
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6.49%
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*APR means Annual Percentage Rate. APR is available when loan–to–value (LTV) is 80% or less.
TopLine checking account with direct deposit is required.
Actual APR may vary based on credit history.
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Home Equity Lines of Credit - Variable Rate
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Loan to Value
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Variable APR*
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80% or less |
starting at 5.50%
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81 to 90%
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starting at 5.74% |
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91% to 100%
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starting at 6.74%
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*APR means Annual Percentage Rate. Final rate is based
on credit history.
Checking account at TopLine with direct deposit is required, otherwise
add .40%. Variable rates
are subject to change monthly based on Prime (as published
in the Wall Street
Journal) indexed as follows: minus 0.01% for 80% LTV
maximum; plus 0.74% for 81-90% LTV;
and plus 1.74% for 91-100% LTV. In any case, rate
will not exceed 18%. Additional terms
may be available - call for details.
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Mortgage Loans
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We take pride in offering our members a complete line up of mortgage borrowing options.
Click here for details.
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VISA® Credit Cards
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Get the premium card on the market today: the TopLine Platinum VISA
Click here for details.
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Other Loans
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Don't see what you're looking for? Contact us by
email
, phone or in person and we'll be happy to provide
you with more borrowing options.
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Share Certificates*
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Term
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$1,000 Balance
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Rate
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$10,000 Balance
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Rate
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$25,000 Balance
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Rate
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3 months
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2.20% APY**
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2.18%
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2.30% APY
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2.29%
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2.45% APY
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2.43%
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6 months
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2.50% APY
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2.48%
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2.55% APY
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2.53%
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2.80% APY
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2.77%
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Term
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$300 Balance
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Rate
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$10,000 Balance
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Rate
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$25,000 Balance
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Rate
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12 months
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2.75% APY
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2.72%
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2.80% APY
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2.77%
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2.90% APY
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2.87%
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24 months
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3.10% APY
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3.07%
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3.10% APY
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3.07%
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3.20% APY
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3.16%
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36 months***
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3.20% APY
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3.16%
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3.30% APY
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3.26%
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3.40% APY
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3.36%
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48 months***
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3.40% APY
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3.36%
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3.50% APY
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3.46%
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3.60% APY
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3.55%
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60 months***
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3.70% APY
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3.65%
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3.80% APY
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3.75%
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3.90% APY
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3.84%
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*Dividends are calculated daily and paid quarterly.
A penalty may be imposed for early withdrawal.
All certificates will automatically renew at maturity for
same term at the current market rate if not withdrawn.
**APY means Annual Percentage Yield.
***Additional 1/4% will be added for direct deposit into a TopLine checking account.
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IRA/Roth Share Certificates*
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Term
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$1,000 Balance
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Rate
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$10,000 Balance
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Rate
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$25,000 Balance
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Rate
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12 months
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2.75% APY**
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2.72%
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2.80% APY
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2.77%
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2.90% APY
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2.87%
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24 months
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3.10% APY
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3.07%
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3.10% APY
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3.07%
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3.20% APY
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3.16%
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36 months
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3.20% APY
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3.16%
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3.30% APY
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3.26%
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3.40% APY
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3.36%
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48 months
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3.40% APY
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3.36%
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3.50% APY
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3.46%
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3.60% APY
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3.55%
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60 months
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3.70% APY
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3.65%
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3.80% APY
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3.75%
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3.90% APY
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3.84%
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*Dividends are calculated daily and paid quarterly.
A penalty may be imposed for early withdrawal.
All certificates will automatically renew at maturity for
same term at the current market rate, if not withdrawn.
Accounts are insured to 250,000 by the National
Credit Union Administration.
**APY means Annual Percentage Yield.
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Share Certificate Specials
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Term
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$1,000 Balance
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Rate
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$10,000 Balance
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Rate
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$25,000 Balance
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Rate
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11 months(1)
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2.60% APY(2)
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2.60%
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2.90% APY
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2.90%
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3.00% APY
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3.00%
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25 month
Progressive(3)
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2.65% APY
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2.62%
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2.70% APY
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2.67%
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2.80% APY
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2.77%
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(1) Dividends are paid at maturity. A penalty may be imposed for early
withdrawal. Certificate
will automatically renew at maturity into a 6-month certificate
at the current market rate
if not withdrawn.
(2) APY means Annual Percentage Yield.
(3) Dividends are calculated daily and paid quarterly. A penalty may be imposed
for early withdrawal. Certificate is
available in regular or IRA/Roth and allows a one-time
rate adjustment to current day's published
rate for the 24-month $10,000 tier at any one time during
the initial term. Certificate will
automatically renew at maturity into a 24-month certificate
at the current market rate if not withdrawn.
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Money Market Savings Accounts
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Account Type
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Balance*
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APY**
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Rate
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Investors Account
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$1,000 - $9,999
$10,000 - $19,999
$20,000 - $49,999
$50,000 or more
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1.00%
1.20%
1.50%
1.75%
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1.00%
1.19%
1.49%
1.74%
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Premium Account
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$10,000 - $24,999
$25,000 - $49,999
$50,000 or more
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1.40%
1.60%
1.80%
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1.39%
1.59%
1.79%
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TopLine Account
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$25,000 - $74,999
$75,000 or more
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1.90%
2.20%
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1.88%
2.18%
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*Balances that fall below minimum will not earn dividends
and may incur a
monthly fee, which will reduce account earnings. Rates may
change weekly.
Dividends are calculated daily and paid monthly.
**APY means Annual Percentage Yield.
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IRA/Roth Money Market Savings Accounts*
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Balance
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APY**
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Rate
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$0 - $999
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1.00%
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1.00%
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$1,000 - $9,999
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1.20%
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1.19%
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$10,000 - $19,999
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1.40%
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1.39%
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$20,000 - $49,999
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1.60%
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1.59%
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$50,000 or more
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2.10%
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2.08%
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*Rates may change weekly. Dividends are calculated daily
and paid monthly.
Accounts are insured up to $250,000 by the
National Credit Union Association.
**APY means Annual Percentage Yield.
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Share Savings Accounts*
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Account Type
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Balance
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APY**
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Rate
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Basic Share Savings
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$100 - $4,999
$5,000 - $9,999
$10,000 - $49,999
$50,000 or more
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0.20%
0.30%
0.40%
0.60%
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0.20%
0.30%
0.40%
0.60%
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Just for Students
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No minimum required
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1.50%
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1.49%
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Savings Direct
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$100 or more
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1.00%
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1.00%
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* Rates are subject to change at anytime. Balances that fall
below minimum will
not earn dividends and may incur a monthly fee, which may
reduce account earnings.
Dividends are calculated daily and paid monthly.
** APY means Annual Percentage Yield.
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Checking Accounts*
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Account Type
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Balance
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APY**
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Rate
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Sterling Checking
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$100 or more
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0.25%
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0.25%
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Interest Checking
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$500 - $2,499
$2,500 - $4,999
$5,000 or more
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0.10%
0.20%
0.50%
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0.10%
0.20%
0.50%
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TopLine Checking
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$5,000 - $9,999
$10,000 - $19,999
$20,000 or more
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0.40%
0.50%
0.70%
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0.40%
0.50%
0.70%
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*Rates are subject to change at any time. Balances that fall
below the minimum will incur a
fee, which may reduce the earnings on these accounts.
**APY means Annual Percentage Yield.
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