Personal loan options are available for the expenses that come with updating and improving your home, including:

• Decking
• Pool Installation
• Repairs
• Landscaping
• Furniture
• Remodeling
• Fixtures
• Appliances
• ... and more!

Lifestyle loans are available for the expenses that come with life's big moments and adventures:

• Weddings
• Honeymoons
• Fertility Treatments
• Vacations
• Pet/Vet Expenses
• Elective Surgeries

If you’re interested in additional personal loan offerings, Topside also has Seasonal Loans and Open Lines of Credit.

Certain times each year present financial challenges for everyone. With our seasonal personal loans, we ease these needs with special rates and promotions for the personal loan that will help you most.

With a personal Open Line of Credit, you can easily transfer funds from your credit line to your checking account and use the funds when needed.

With personal loans, you can borrow up to $50,000. Personal lines of credit have a $30,000 limit.

The interest rate applicants qualify for depends on their credit history.

You will see your actual Annual Percentage Rate (APR) on your Loan Agreement and Consumer Credit Disclosure Statement that you will sign when your loan funds are disbursed.

Reach out to Topside. We’ll work with you to find out what rate you qualify for, and discuss with you the criteria we use to qualify you for that rate.

Topside offers a variety of loan repayment terms, as low as 12 to 36 months and as high as 120 months.

With online banking at Topside, you will receive monthly updates on your FICO® credit score. These updates will not affect your credit score, and will give you an idea of what type of rates and terms will be available to you.

Topside uses DocuSign® electronic document signing to replace the hassle that comes with printing, faxing, scanning or mailing documents. It’s an easy, fast, and trusted way to make every approval and decision as quick and convenient as possible.

Whether you have average or excellent credit, online payments can be an easy way to ensure that your score doesn’t take a hit by making automatic on-time payments.

Online bill pay is free. Borrowers who are enrolled in autopay enjoy convenience and peace of mind knowing their loan payments are taken care of.

You can also track and manage payments, receive e-Statements, and review your entire payment history.

Borrowers have tons of options, including online lenders and traditional commercial banks.

Credit unions are nonprofit and member owned. That means that we don’t send our profits off to faceless investors in another part of the country or the world.

When you bank with a credit union, your money stays right here in the community where you live and work. That means when Topside makes money, we put it right back into the hands of our members through competitive interest rates on loans and higher dividends on savings and checking accounts.

Moreover, we’re rooting for you. We get to know you, not as a customer, but as a member. We’ll help you identify and reach your financial goals. Credit union members are more likely to qualify for loans that they wouldn’t be eligible for at traditional commercial banks.

Topside eligibility requirements are available to a variety of government employees, their family members, and their spouses, as well as people who live, work, worship, or go to school in Fredericksburg, Virginia.

To find out more about joining Topside and who is eligible, click here.

Topside offers a range of loans, including:

• Auto
• Boat
• Education
• Equity Loans
• Motorycle
• RV
• Share Secured Loans
• Sports Recreational Vehicle

We offer basic checking accounts as well as a Premium Checking, where you can earn higher dividends each month for every day your balance stays above $2,000.

Topside also has an array of savings options, including:

• Membership Savings to establish credit union membership
• Military Savings special rate account
• Youth Savings accounts for members 19 years of age and younger
• Premium Savings for higher dividends
• Savings for when one savings account isn’t enough

We offer an array of financial education resources for our Topside members, including free one-on-one financial counseling and debt management assistance. Other educational resources include community education initiatives, videos on financial topics, brochures, guides, and fraud and consumer alerts.

Additional help for improving your financial management includes our Credit Builder Credit Cards. These cards offer you a low-risk way to build or repair your credit. We also offer Savings Secured loans, which are an opportunity to borrow using your savings as collateral at low interest rates so that you can build your credit while earning dividends.