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About Us

TopMark Federal Credit Union is a federally charted credit union governed by the National Credit Union Administration. We take pride in providing the community with EXCEPTIONAL member service in a wide variety of products designed to meet the needs of our members. 
 
TopMark FCU Scoreboard
As of  July 31, 2017
 
Members 6,970
Total Shares 25,966,857
Total Loans 20,766,585
Total Assets 29,955,667
Total Accounts 10,601

Mission Statement

The mission of TopMark Federal Credit Union is to deliver personalized banking solutions while building valued relationships. 

A Credit Union is much more than you expect!
Once you deposit money in a Credit Union, you become a member, not just a customer, because your deposit is considered your share of the ownership in the credit union.  Unlike banks, which are owned by shareholders, TopMark Federal Credit Union is a not-for-profit cooperative owned by its members.

As cooperative organizations, Credit Unions exist solely to meet their members' financial needs, not to make a profit off of them. In fact, after expenses are paid and reserves are set aside, credit unions return their "profits" to members in the forms of lower loan rates, higher savings rates and free or low-cost services. That's why consumers typically get better rates at credit unions.

Our Mission

TopMark Federal Credit Union is a member-owned federally chartered credit union committed to serving the financial needs of its members. Our mission is to be the Members’ primary financial institution. The credit union will provide quality, competitive services in an atmosphere of trust and superior member satisfaction.

Markets We Service

Our area includes all citizens who live, work or worship or attend school in Allen & Auglaize Counties. 

You will also qualify if a family member or household member has an account with us, or if you work for or retired from a school system in Auglaize or Allen County.  

It sounds complicated, but many people qualify for membership at TFCU. If you don’t know if you qualify, please call at 419.223.5886, send us an email to amaynard@topmarkfcu.com or  come in to one of our branches for more information!

Supervisory Committee

The Supervisory Committee consists of three persons appointed from the membership by the Board of Directors. It is the members´ representative and serves as the Credit Union´s internal auditing body. The Supervisory Committee performs duties as prescribed in the bylaws which include examining the affairs of the Credit Union, auditing the books, presenting reports to the Board of Directors, and an annual report to the members.

Concern for Community

At TopMark Federal Credit Union, one of our guiding principles is a Concern for Community.
Our employees are directly involved in helping to raise funds for non profits and charities in our area and are encouraged to volunteer and serve in their community.

In addition, here are some of the organizations and initiatives TFCU has supported in the past 12 months

  • Relay for Life
  • Wapakoneta Community Foundation
  • Big Brothers Big Sisters
  • Lima Young Life
  • Meals 'Til Monday
  • Lima Salvation Army
  • Equestrian Therapy Program
  • West Ohio Down Syndrome
  • Auglaize County Public Library
  • Area Schools
  • Shawnee Optimist
  • Children's Developmental Center
  • many more...  
 
Why Credit Unions Are - And Should Remain - Tax Exempt
 
Credit Unions have always been exempt from federal income tax because legislators recognized that Credit Unions are mutually owned organizations operated entirely by and for their members. Moreover, Credit Unions are not-for-profit, democratically controlled cooperatives that have no capital stock and rely heavily on volunteers. Congress encouraged the success of the credit union movement in order to bring financial services to people who were unable to obtain them elsewhere and to foster the development of a system of financial cooperatives that would serve as a valuable alternative to the traditional "for profit" banking system. Over the years, legislators have deliberated, reviewed and reaffirmed the tax-exempt status repeatedly because credit unions, while growing and changing, continue to operate in this unique way. 
 
Taxation would not create a "level playing field"
 
Banks and their trade associations have attacked Credit Unions' tax-exempt status. They argue that all financial institutions should operate on a "level playing field," which they define as all institutions paying federal income tax.  However, the structure of credit unions and banks is fundamentally different, so taxing credit unions would not make Credit Unions and banks "level." 
 
And, since Credit Unions earn no profit, taxes would come out of the reserve cushion they are required to maintain for unexpected downturns in the economy or unpredictable changes in the marketplace. In turn, Credit Union managers would be pressured to eliminate free and unprofitable services, such as small loans (which most other financial institutions won't make). 
 
If banks want to create a "level playing field," they should stop paying their boards of directors, stop generating profits for a relatively small group of stockholders, and start giving their customers authority to participate in their governance.

The tax exemption has nothing to do with a credit union's size, the services it offers or the members its serves. Credit Unions deserve their tax-exempt status because of their not-for-profit, democratically controlled cooperative structure.

All consumers benefit from credit unions
 
Banks want to eliminate Credit Unions' tax-exempt status because they know it would eventually mean the end of Credit Unions as they are known today. In short, they are trying to do away with their competition.  If banks win, everyone else loses. Credit Union members aren't the only ones who benefit from the Credit Union alternative. All consumers benefit from having Credit Unions. They keep banks and thrifts "honest" by forcing them to gauge their own rates and services to their Credit Union competition.