A New Credit Card Scam!
Beware of calls from Security & Fraud Departments!  Never give your account number or the security numbers on the back of your card to a caller.  All legitimate calls from a Fraud Department will only verify transations and never ask for account numbers! 

You are part of something different … a place where you are more than a customer, you’re an owner.

We are here to help you build financial security, offer you affordable services and financial education. As a mission-driven cooperative, TopMark is committed to serving you with lower loan rates, higher savings rates and low or no fees.

There is a difference between banking with a credit union and other financial institutions. The products may be similar, but the philosophy and purpose vary greatly. The idea for credit unions was based on the simple principle that ordinary people could pool their money and make loans to each other. Credit unions are financial cooperatives owned and controlled by the people who save and borrow there.

TopMark operates solely for your benefit. Unlike banks, we don’t answer to stockholders. “Not for profit, not for charity, but for service” remains the purpose of credit unions today, just as it was when the first credit union opened.

This is why 177 million people worldwide choose credit unions. On October 15 members around the world joined to celebrate International Credit Union Day – Your Money, Your Choice, Your Credit Union.

Celebrate our democratic structure, service to members and social mission. Every member has a vote. There are no stockholders; only a rich heritage of members making decisions for themselves.

Our cooperative structure doesn’t reward excessive risk-taking; keeping our focus on financial stability to ensure continued service to our members. Values, trust and service are just a few of the many benefits of being a member-owner of TopMark and we hope you will share these differences with your family. Thank you for being a member!

Credit Unions		Banks
Not for profit, not for charity, but for service.	PURPOSE	To make a profit.
A financial cooperative owned and controlled by its members.	DEFINITION	Business owned by groups of shareholders who may or may not have accounts there.
Democratically structured; every member has an equal say about goals, functions, and services.	STRUCTURE	Depositors have no vote. Only shareholders may vote on goals, functions, and services.
Directors elected by members and volunteer.	DIRECTORS	Board elected by shareholders and are paid.
Earnings are returned to members.	EARNINGS	Earnings are returned to shareholders.

TopMark Partners with General Motors 

The Invest in America program will provide a double value to consumers who use credit unions’ best-in-class loan rates for financing while also taking advantage of a special Invest in America discount offered on purchases of new cars and trucks offered on most of General Motors brands including Buick, Cadillac, Hummer, Saab, Chevrolet, GM, Saturn and Pontiac.

TopMark members may take advantage of the savings at Tom Ahl Buick, Lima Auto Mall, Mike Swaney's Pontiac Buick GMC (Wapakoneta), Delpha Chevrolet (Delphos), H&K Chevrolet (Continental), Bud's Chevrolet (St. Marys), Graff Chevrolet (Ottawa), Jim Bubeck Chevrolet (New Bremen), Kern's Chevrolet Pontiac Buick Cadillac GMC (Celina), and Lee Kinstle GM. 

Credit union members can register for the members-only discount at www.lovemycreditunion.org, take the discount certificate to any GM dealership and provide proof of credit union membership.  The discounts are equivalent to supplier discounts (4.5% off MSRP) offered by GM and will layer on top of most other incentives being offered on GM brands. 

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