Topside Credit Union Fredericksburg VA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Topside, your trusted partner in financial well-being since 1961. Located at 9622 Patriot Hwy, Fredericksburg, VA 22407, we are proud to serve a vibrant community of over 42,000 members. With total assets exceeding $468 million, our commitment to providing exceptional financial services is unwavering. At Topside, we believe that banking should be more than just transactions; it's about building relationships. Under the leadership of our CEO, Bruce Six, and Board President, David Martin, we strive to empower our members with the tools they need to achieve their financial goals. Whether you're looking for auto loans, mortgages, or personal banking solutions, we have tailored options designed just for you. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 519, Dahlgren, VA 22448. We encourage you to explore our diverse offerings, including online and mobile banking services that make managing your finances easier than ever. Our total deposits stand at an impressive $12,128,514, reflecting the trust our members place in us. With a net worth of $38,026,920 and cash in hand amounting to $14,121,079, we are financially stable and ready to support your needs. Join us as we continue to grow and enhance our services for the betterment of our community. Feel free to reach out at 540-373-5127 or visit our website at topsidefcu.org for more information. We look forward to welcoming you into the Topside family!

Branch History & Mission

A Legacy of Service

Located at 9622 Patriot Hwy, Fredericksburg, VA 22407, our branch has been a cornerstone for individuals and families seeking reliable banking solutions. Our mission is clear: we aim to provide personalized financial services while fostering a strong sense of community. We believe that everyone deserves access to quality financial resources, and we strive to make those available to all our members. Since opening our doors more than six decades ago, Topside has continuously evolved to meet the changing needs of our members. Our dedicated team works tirelessly to offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. Each service is designed with the goal of empowering our members to achieve their financial dreams.

Commitment to Community

At Topside Credit Union, we are not just about numbers; we are about people. We actively engage in community outreach initiatives that reflect our commitment to giving back. Our partnerships with local organizations enable us to support various causes and events throughout Fredericksburg and beyond. Whether it's sponsoring youth sports teams or participating in local charitable events, we take pride in being an active part of our community's fabric. While members can visit us at 9622 Patriot Hwy, official correspondence should be sent to PO Box 519, Dahlgren, VA 22448. Our operating hours are convenient for everyone Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. For added convenience, we offer ATM services and drive-thru banking options for quick transactions.

Looking Ahead

As technology advances, so do we. Our digital offerings include online banking and mobile payment options that ensure you can manage your finances anytime and anywhere. We also maintain ADA compliance to ensure that all members can access our services without barriers. Join us at Topside Credit Union and experience the benefits of being part of a member-focused institution that truly cares about your success. Visit us today or call us at 540-373-5127 for more information on how you can become a member of this thriving community!

Branch Location & Accessibility

Welcome to the Topside branch, your friendly neighborhood credit union located at 9622 Patriot Hwy in Fredericksburg, VA. Our convenient location makes it easy for you to access banking services right where you need them. Whether you're running errands or planning a visit specifically to see us, you'll find our branch just a short drive away from popular spots like the Spotsylvania Towne Centre and the historic downtown Fredericksburg. While members can visit us at 9622 Patriot Hwy, official correspondence should be sent to PO Box 519, Dahlgren, VA 22448. We strive to make your banking experience as smooth as possible. With ample parking available and features that comply with ADA standards, we ensure that everyone can access our services easily. Our operating hours are designed to fit your busy schedule. We're open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM until noon. This gives you flexibility throughout the week to manage your banking needs without any rush. At Topside, we offer a variety of services tailored for both personal and business needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Plus, with our drive-thru service available, you can handle deposits and withdrawals from the comfort of your vehicle perfect for those on-the-go moments! We also provide ATM access for quick cash withdrawals and balance checks anytime you need it. Should you have any questions or require assistance, don't hesitate to give us a call at 540-373-5127. We invite you to stop by and experience the warm welcome that awaits you at Topside! Whether you're an existing member or looking to join our community, we're here to help you every step of the way.

Member Eligibility

At Topside, we believe that joining our community should feel welcoming and accessible. To become a member, you simply need to meet a few friendly eligibility requirements. Generally, individuals who live, work, worship, or attend school in the areas served by us are welcome to join. This means if you're part of our vibrant community around 9622 Patriot Hwy Fredericksburg Va 22407, you're likely already eligible! Plus, being a member comes with fantastic benefits like personalized service and competitive rates on loans and savings accounts. Ready to take the next step? Opening an account is straightforward! You can find all the details you need about eligibility and how to apply by visiting our website at http://topsidefcu.org/individual-membership. If you have any questions or would like assistance, don't hesitate to give us a call at (540) 373-5127. We're here to help you every step of the way as you embark on this exciting journey with us!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, we offer robust merchant services designed to streamline your payment processes. Imagine having access to tools that allow you to accept payments quickly and securely, freeing up time for you to focus on what really matters growing your business. Our services are here to simplify your daily operations and enhance customer satisfaction. Located at 9622 Patriot Hwy Fredericksburg Va 22407 in Fredericksburg, VA, our team is ready to assist you. Reach out today at (540) 373-5127 and discover how we can partner with you for success!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Additional Services

For those quick transactions, our basic drive-thru banking allows you to deposit or withdraw funds efficiently without leaving your car. At Topside, we strive to ensure that every aspect of banking is as convenient as possible for our members. Whether you're visiting us at our branch or accessing your accounts online, our goal is to provide you with exceptional service every step of the way. If you have any questions or need assistance, feel free to reach out at 540-373-5127 during our operating hours: Monday through Friday from 9:00 AM - 5:00 PM and Saturday from 9:00 AM - 12:00 PM. Ready to take the next step? Visit us today or explore more about opening an account at Topside. Your financial journey starts here!

Business Banking Services

If you're a business owner, Topside offers tailored solutions like merchant services and business loans to help your company thrive. Our knowledgeable team is ready to assist you with everything from setting up an account to finding financing options that fit your unique business model.

Modern Digital Banking Features

In today's fast-paced world, we know convenience is key. That's why we offer robust online and mobile banking platforms that give you access to your accounts anytime, anywhere. You can check balances, transfer funds, and even make person-to-person payments with ease. Our ATM services provide quick cash withdrawals and balance checks without any hassle.

Personal Banking Solutions

Our personal banking services offer you the flexibility and support needed for everyday financial activities. With checking and savings accounts, you can easily manage your money while earning interest on your savings. If you're in the market for a new car, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. We also provide mortgage loans and refinancing solutions to help you secure your dream home or lower your current mortgage payments. For those times when unexpected expenses arise, consider our personal loans and debt consolidation services. We understand that life can throw curveballs, and we're here to assist you in managing your finances effectively. Plus, don't forget about our credit cards with rewards that allow you to earn points on purchases while enjoying added benefits.

Digital & Online Banking

Key Features

Our online banking services are accessible 24/7, allowing you to check balances, transfer funds, and pay bills from the comfort of your home or on the go. You can also take advantage of electronic statements, which not only help you stay organized but also protect your sensitive information. Plus, with electronic signature authorization, signing documents is quick and hassle-free no more printing or mailing required. For those who prefer mobile banking, our dedicated mobile application makes it simple to manage your accounts right from your smartphone. Whether you're making person-to-person transfers or utilizing our mobile payments feature, you can complete transactions with just a few taps. And yes, we do offer e-statements to keep you informed while helping the environment by going paperless!

Security and Accessibility

We prioritize your security with robust measures in place to protect your personal information and transactions. Our online banking platform is designed for ease of use, ensuring that even those new to technology can navigate their accounts confidently. Whether you're at home or out running errands, Topside makes banking accessible with its comprehensive digital services. Enjoy real-time account management without the stress of traditional banking hours. We're here to support you every step of the way! Experience the convenience of modern banking today by visiting http://topsidefcu.org!

Financial Strength

A Growing Community

Our commitment to you is evident in our growing community of trust. We boast a total of 73,099 share accounts each representing a member who believes in our vision for financial empowerment. 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 9622 Patriot Hwy Fredericksburg Va 22407 or call (540) 373-5127 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secure with us. We have $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.

Operational Efficiency

Our operational efficiency shines through with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 90 full-time employees and 25 part-time employees dedicated to ensuring you receive the best service possible.

Reinvesting for Your Future

We believe in reinvesting in our community. With $38,026,920 in undivided earnings, we enhance our banking tools, lending options, and security measures to serve you better. Our capacity to lend is also significant; with $1,418 in used auto loans and $288,847,820 in total loans and leases, we support your financial goals across various sectors.

Solid Financial Health

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.

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 provide flexible terms and competitive rates designed to fit your budget whether you're purchasing a new or used vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $7,421,256 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or cover operational costs, our business loan offerings are designed to support your entrepreneurial journey.

Credit Card Loans

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. This option allows for easier access to funds while offering competitive interest rates.

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 aim to guide you through the mortgage process smoothly and help you find an option that fits your needs.

Refinancing Options

If you're considering refinancing any existing loans or mortgages, we have options available that can potentially lower your monthly payments or adjust your loan term for better alignment with your financial situation. To learn more about our offerings or if you have questions regarding eligibility requirements for any of our loan products, feel free to reach out at 540-373-5127. Our team is ready to assist you! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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