Prime Share Savings Account
Prime Share Savings Account
Your journey with Topside Federal Credit Union begins with your own Prime Share Savings Account. Enjoy great dividends with no monthly fees and all the benefits of becoming a Topside FCU member.
Prime Savings, Powerful Growth
Earn Interest
Your savings grow as you earn dividends on every dollar you deposit.
No Monthly Fees
Our low-cost accounts let you keep more of your hard-earned cash.
$1 to Open
A dollar is all you’ll need to open a share savings account and become a member
Federally Insured
The NCUA provides up to $250,000 of insurance per account.
Prime Share Savings Account Details
Start something special. A Prime Share Savings Account establishes you as a member of Topside FCU and provides a secure place to build towards your financial goals.
Open a free savings account with a deposit of $1 or more and earn a generous dividend rate on every cent you put aside. Enjoy a host of members-only services, including:
- Free access to online and mobile banking services
- Free deposits from your phone or mobile device
- Free personal financial management tools
- Free detailed quarterly statements
Your Prime Share Savings Account is the perfect place to build your savings while retaining instant access to your money from any Topside FCU branch, or through Plus, AFFN and The Exchange ATMs.
Best of all, you’ll gain access to the full-range of quality financial products and expert financial advice that comes with every Topside FCU membership.
Ready to start your Topside FCU savings journey today? Click below to get started!
Open a Prime Share Savings in 3 Easy Steps!
| step 1 | Apply Online or Visit UsConveniently apply online by clicking the button below or drop by a branch. |
| step 2 | Deposit $1One dollar is all it takes to join our financial family and open an account. |
| step 3 | Start Saving Now!You can set up direct deposit or regularly transfer funds over. |
★★★★★
“Great service. Very user-friendly app that allows quick transactions. Good rates for savings accounts.”
-Nathan F., King George, VA
Topside Federal Credit Union Prime Share Savings Features
Competitive Rates
Our not-for-profit status allows our members to grow their savings with some of the best interest rates around.
Free Mobile Banking
Manage your account and check your balance anytime you like with free Online and Mobile Banking.
Savings Calculators
Use our handy calculators to find out how much you should save and how soon you’ll reach savings goals.
Free Descriptive Quarterly Statements
Our free, detailed quarterly statements can help you keep track of your money and manage your spending better.
Federally Insured
Save with confidence. Deposits in your Prime Share Savings Account are fully insured up to $250,000 by the federal government.
Have a Question? Give Us a Call Today!
Prime Share Savings FAQ
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Do I need this account to become a Topside FCU member?
Yes, a Prime Share Savings Account is the basic membership account at our credit union. Becoming an account holder makes you eligible for all the benefits and services we offer.
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How does a Prime Share Savings Credit Union Account differ from a regular savings account?
Prime Share Savings Accounts are unique to credit unions, while traditional savings accounts are available through banks and other financial institutions. A Prime Share Savings Account represents your ownership share in the credit union, making you more than just a customer — you’re a member-owner. Because credit unions are not-for-profit financial cooperatives, Topside FCU can return value to members through benefits like dividends, low fees, and member-focused service.
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What is the minimum balance required, and does the account earn interest?
You'll need a minimum balance of $1 to open a Prime Share Savings Account. Your account balance will earn quarterly dividends with a competitive annual percentage yield (APY*).
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How are my deposits insured?
You can enjoy peace of mind knowing that the federal National Credit Union Administration (NCUA) insures deposit accounts, including Prime Share Savings Accounts, up to $250,000.
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Can I use my Prime Share Savings Account for everyday transactions?
While it's primarily a savings vehicle, you may link your account to your Topside checking account. This allows convenient access to your funds for everyday spending and withdrawals.
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Can I access my account online or through the mobile app?
Yes, your Topside FCU Prime Share Savings Account is fully accessible via our online and mobile banking services. Simply log in from your computer or download our app to your mobile device.
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Are there limits on how often I can withdraw from my savings?
There are no monthly limits on how often you can withdraw money from your Topside FCU Prime Share Savings Account.
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Who is eligible to open a Prime Share Savings Account?
To open a Prime Share Savings Account with Topside Federal Credit Union, you’ll need to be eligible for membership. Visit our membership eligibility page to see if you qualify.
View our Funds Availability Policy Disclosure.
*APY = Annual Percentage Yield
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