Topside Credit Union Fredericksburg VA | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Topside, your trusted financial partner located at 2004 Augustine Ave, Fredericksburg, VA 22401. Since opening our doors in 1961, we have been dedicated to providing exceptional service and a wide range of financial solutions tailored to meet the needs of our 42,029 members. With total assets amounting to an impressive $468,580,640 and total deposits reaching $12,128,514, we are committed to helping you achieve your financial goals. At Topside, we pride ourselves on being more than just a credit union; we are a community hub where members can access personal banking services, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our experienced team of 115 employees is here to assist you with any questions or concerns you may have. Our CEO, Bruce Six, along with Board President David Martin, leads our organization with a focus on trust and reliability. We understand that managing your finances can be challenging, which is why we offer convenient services like online and mobile banking, ATM access, and drive-thru banking for simple transactions. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 2004 Augustine Ave, Fredericksburg, VA 22401. Whether you're looking for a new loan or need assistance managing your current accounts, we're here to help! Call us today at 540-373-5127 or visit our website at topsidefcu.org to learn more about how we can support you on your financial journey.

Branch History & Mission

Community Engagement

Topside is committed not only to meeting your financial needs but also to making a positive impact in Fredericksburg. We actively engage in community initiatives and partnerships that uplift those around us. Our drive-thru services and ATM availability ensure that banking remains accessible for everyone in the area. While members can visit us at 2004 Augustine Ave, official correspondence should be sent to the same address for consistency. We are proud of the safe and welcoming environment we've created for all our members. In today's fast-paced world, we've embraced technology while ensuring ADA compliance so that everyone can access our services easily. From online banking to mobile payments, we're here to make your banking experience as seamless as possible. Join us at Topside today! Experience the difference of being part of a credit union that truly values its members and community. Explore what we have to offer by visiting our website or applying for membership directly here. Together, let's build a brighter financial future!

Our Mission

At the heart of Topside's mission is a desire to empower individuals and families. We strive to offer accessible financial services that cater to a diverse range of needs be it personal banking, auto loans, or business financing. Our goal is simple: to help you achieve your financial aspirations while supporting the local community through various outreach programs. We believe that banking should be about more than just transactions; it should be about building relationships and trust. Whether you're visiting us at our Fredericksburg branch or reaching out via phone at 540-373-5127, you'll find a friendly team ready to assist you. Our operating hours are designed for your convenience: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM.

Branch Location & Accessibility

Welcome to the Topside branch, your friendly neighborhood credit union located at 2004 Augustine Ave in beautiful Fredericksburg, VA! We pride ourselves on being accessible and convenient for all our members. Whether you're visiting us for personal banking or need assistance with loans, we're here to help. Situated near popular local landmarks, our branch is easy to find and reach. You'll appreciate the ample parking available right outside, making it hassle-free for you to stop by. Our facility is designed with accessibility in mind, featuring ADA-compliant ramps and entrances to ensure everyone can visit us comfortably. At Topside, we understand that your time is valuable. That's why we offer flexible operating hours: Monday through Thursday from 9 AM to 5 PM, Fridays until 6 PM, and Saturdays until 2 PM. Whether you're on your way to work or running errands over the weekend, there's a good chance we're open when you need us most! For your convenience, we also have an ATM on-site and a drive-thru banking option for quick transactions without leaving your car. Our drive-thru service allows you to handle deposits, withdrawals, and simple transactions with ease. If you need assistance or have any questions about our services ranging from checking accounts to auto loans don't hesitate to give us a call at 540-373-5127. We look forward to welcoming you at Topside!

Member Eligibility

Joining the community at Topside is a wonderful way to access a range of financial services while enjoying the support of fellow members. If you live, work, or go to school in the Fredericksburg area, you may be eligible for membership! We also welcome immediate family members of existing members, making it easy for families to benefit from our offerings together. At Topside, we pride ourselves on being more than just a financial institution; we are your partners in achieving your financial goals. To learn more about specific eligibility criteria and see if you qualify, feel free to visit our website at http://topsidefcu.org/individual-membership. Opening an account is straightforward and welcoming! Just head over to our account opening page at https://mortgages.cumortgage.net/apply.asp?siteid=05f7a35b-0616-4b05-8a20-3218bac44269 where you can complete the process online or reach out to us directly at (540) 373-5127 if you have any questions. Our friendly team is here to help you every step of the way as you become a part of our growing family at Topside, located at 2004 Augustine Ave Fredericksburg Va 22401. Join us today and experience the difference that comes with being a member!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $52 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $20 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $7,421,256, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Matter

Imagine having the tools to streamline your transactions and enhance customer satisfaction. Our merchant services provide practical solutions like payment processing and point-of-sale systems that allow you to focus on what you do best growing your business. At Topside, we equip you with the resources you need to turn every sale into an opportunity. Located conveniently at 2004 Augustine Ave Fredericksburg Va 22401 in Fredericksburg, VA, we invite you to discover how our tailored business banking solutions can help your enterprise flourish. For more information, call us at (540) 373-5127 or visit us online at http://topsidefcu.org.

Comprehensive List Of Services

Business Banking Services

At Topside, we also recognize the importance of supporting local businesses. Our business banking services, including merchant services and business loans, are designed to help entrepreneurs thrive. We believe in building strong partnerships within our community.

Convenient Access

Accessing your accounts has never been easier with our ATM and cash withdrawal services available at various locations. For those who prefer in-person transactions, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle. Our commitment extends beyond traditional banking hours; we provide essential services during convenient hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday until 2:00 PM. In conclusion, whether you're managing day-to-day expenses or planning for future goals, Topside is here to support you with comprehensive financial solutions tailored just for you. Feel free to visit us at 2004 Augustine Ave Fredericksburg Va 22401 or call us at (540) 373-5127 if you have any questions or need assistance. Together, let's achieve your financial dreams!

Home Financing Options

For those looking at home ownership, our mortgage loans and refinancing services can guide you through the process. We take the time to explain all your options so you can choose what's best for your financial situation. Our knowledgeable staff will work closely with you to ensure a smooth experience from application to closing.

Personal Banking Solutions

Starting with personal banking, we offer a variety of checking and savings accounts designed to fit different lifestyles. Imagine easily managing your finances with online banking that allows you to check balances, transfer funds, and pay bills right from your smartphone. Our mobile banking app ensures that you have access to your accounts anytime, anywhere. When it comes to financing your next vehicle, look no further than our auto loans and vehicle financing options. We understand how important reliable transportation is for our members. With competitive rates and flexible terms, we make it simple for you to drive away in a new or used car without breaking the bank.

Personal Loans & Credit

Need some extra cash? Our personal loans and debt consolidation options are available to help manage unexpected expenses or consolidate high-interest debts into one manageable payment. Plus, don't forget about our credit cards with rewards, which not only give you purchasing power but also earn you points for travel and shopping.

Digital & Online Banking

Key Features

Our 24/7 online banking services let you check balances, transfer funds, and pay bills anytime, anywhere. Whether you're at home or on the go, staying connected to your finances has never been easier. Plus, with our electronic signature authorization option, you can sign documents securely without needing to visit a branch. For those who prefer to manage their accounts on their smartphones, our mobile application provides a user-friendly experience. You can make person-to-person transfers effortlessly, ensuring that sending money to friends or family is quick and simple. And if you like to keep track of your spending in real-time, e-statements are available to help you stay organized.

Security and Convenience

Security is our top priority. Our online banking features come equipped with robust security measures to keep your information safe. You can feel confident knowing that your personal data is protected while you navigate through your financial tasks. Additionally, if you're someone who enjoys the convenience of mobile payments, you'll be pleased to know that Topside supports this feature too. You can pay for purchases directly from your phone making shopping more convenient than ever. With these digital tools at your disposal, managing your finances is not only easy but also tailored to fit your lifestyle. Experience the freedom of banking on your terms at Topside!

Financial Strength

At Topside, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial health with you, ensuring that your trust is well-placed. With a net worth of $38,026,920, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $812 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $72,513,649 in share certificates and $29,375,913 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $38,026,920 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals with $1,418 in used auto loans and $288,847,820 in total loans and leases. Our commitment to operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 90 full-time employees and 25 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 73,099, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $174,614. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Topside is your trusted partner. Visit us at 2004 Augustine Ave Fredericksburg Va 22401 or call (540) 373-5127 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $20,500,243 in used vehicle loans and $10,482,652 in new vehicle loans already helping members get on the road. We also provide refinancing options for existing auto loans, allowing you to potentially lower your monthly payments.

Business Loans

For business owners, our outstanding commercial loans totaling $7,421,256 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance your current operations, we have solutions that fit your business needs. At Topside, our commitment is to serve our community with transparent and supportive financial products. If you're interested in learning more about any of these offerings or if you'd like assistance with refinancing or checking eligibility options, feel free to reach out at (540) 373-5127 or visit us at 2004 Augustine Ave Fredericksburg Va 22401 in Fredericksburg, VA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $81,395,135, make buying or refinancing simple. We have flexible eligibility requirements and competitive rates to help you secure the home of your dreams.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $14,300,659 in loans helping members manage their finances effectively. Our credit cards come with rewards that can save you money while you spend.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that all loan offers presented are fair and transparent. By relying on verified financial institutions, LendMesh guarantees that users receive accurate information when comparing loan options.

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