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Deposit Accounts

Saving at TopMark FCU means high yield and total security for your funds. We put your hard earned money to work for you while protecting your assets with our savings deposit insurance. We offer a wide variety of savings plans designed to meet your particular needs; a college education, a dream vacation, your first home. The choice is yours!
 
All deposit accounts at TopMark FCU are insured by the National Credit Union Administration (NCUA), an agency of the U.S. government, up to $250,000. You may obtain additional insurance coverage on multiple accounts. Contact the office for additional information.
 
IRAs

Planning for your retirement can not begin too soon. And with compound interest, the earlier you start that more you'll have when it's time to retire. The U.S. Government has provided you and your family a number of retirement savings vehicles. TopMark Federal Credit Union offers you some conservative and well-protected retirement savings products. Click here for more information.

Shares
Special Savings Account
Open a Special Savings Account, apart from your regular savings account, to save for and earn dividends on whatever your financial need!  Whether you are planning a wedding, saving for college, or need to put a down payment on a house or car, this account will allow you to save specifically for that purpose.  Use this account in conjunction with payroll deduction or direct deposit and make your savings plan easier to manage.  Start saving today and open up the doors to limitless opportunities in the future. 
 
Savings Accounts
At TopMark Federal Credit Union you may choose from a variety of excellent savings options.  One is sure to meet your unique and individual needs. All of our accounts let you enjoy the convenience of Direct Deposit or Payroll Deduction programs, which automatically deposit funds from your paycheck into the account you designate.  Best of all, with any credit union savings account, you'll earn dividends with higher than average rates on your investments. Our savings accounts are convenient and easy to open!
 
Vacation Clubs
Your first step toward an affordable vacation is to save for it. Make this first step with our Vacation Club and begin saving for your vacation expenses. This account is also a great way to save for extra expenses during the summer such as vacations, day care, camps, weddings, etc.
 
Because the funds are separate from your regular savings account, you’ll be less tempted to spend the money on non-travel expenses.

Features:

  • No minimum balance requirement.
  • Dividends compounded and paid quarterly.
  • Set aside as much as you like each month—make it  easy by setting up automatic transfers
  • Out of sight, out of mind. Making small regular deposits throughout the year, you’ll hardly notice it, but you’ll be surprised how quickly money can build up. The fastest and easiest way to save is through Direct Deposit or Payroll Deduction. 
  • Vacation Clubs mature every year on March 15th and are transferred to your regular savings account. 
  • Your credit union accounts are federally insured up to $250,000 by the National Credit Union Insurance Fund
Holiday Clubs

Without a doubt, having a Holiday Account falls into the must have category!

With a TopMark Federal Credit Union Holiday Club, we make spreading holiday cheer just a little bit easier. By saving regularly throughout the year—starting anytime —you'll have money to celebrate the holidays, free from financial stress and worry. On October 15, we will automatically transfer your Holiday Club to your savings account so it's available for you to use for gifts or to plan a winter vacation!

The easiest way to build your Holiday Club is through regular payroll deductions or direct deposit. Either way, saving for Christmas will be simple and you can watch your money grow! You can also make regular deposit at the teller line!

TopMark Holiday Clubs require no minimum balance!     

Certificates Our certificates are a great way to earn higher annual percentage yields. Terms vary from six months to five years and are automatically renewable. Minimum deposit is $500.00. 
Money Markets

Want to earn the highest returns on your savings without tying up your money in a certificate? The new Money Market Account will reward serious savers with higher returns. With a TopMark FCU Money Market Account, you will receive a preferred dividend rate based upon your account balance. 

You are in control with an Insured Money Market Account. A TopMark MMA is a high-yield savings plan with no fees or early withdrawal penalties. Dividends are earned daily and paid monthly.  Our Money Market Account earns dividends based on your account balance between $2,500 and $19,999. You earn a great rate with access to your money when you need it.  No fees or early withdrawal penalties.  You can make up to 6 withdrawals per month. 

Safety & Soundness Guarantee

The National Credit Union Administration examines TopMark Federal Credit Union's books and insures your total TopMark Federal savings.  Member accounts at TopMark FCU are federally insured by the National Credit Union Share Insurance Fund up to $250,000.

HSA
What is a Health Savings Account?
Health Savings Accounts (HSA) combine the protection of health insurance with a tax-advantaged savings account. In order to take advantage of the benefits of a Health Savings Account, you need to be enrolled in an HSA-eligible health insurance also referred to as a High Deductible Health Plan (HDHP). On the insurance side, you receive affordable, name brand insurance with additional flexibility and benefits unique to HSAs. From your HSA, you can pay for medical expenses on an income tax-free basis.

How Our HSA is Better!
We don’t charge the fees commonly associated with HSA accounts! As your credit union, we realize this account is being used to help you save for health care expenses. We don’t believe the customary fees should be charged because this account is for saving for these expenses

Regular Health Savings Account with added benefits!
  • Interest Earning Checking Account
  • No Minimum Balance Requirement
  • No Monthly Fee
  • Access your funds via a free specially-marked MasterCard debit card
  • Online Access 
  • You may designate authorized users, (but no joint owners)  

HSAs have become an invaluable, tax-advantaged way to save for qualified medical benefits.

  • You must have coverage under a High Deductible Health Plan
  • You may not be covered by any health plan that is not an HDHP (exceptions exist for insurance that covers accidents, disability, dental care, vision care, long-term care and other "permitted insurance.")
  • You must not be enrolled in Medicare
  • You may not be claimed as a dependent on someone else's tax return.
  • You must comply with the guidelines for annual contribution limits.
  • You must understand and manage your contributions and distributions.TopMark is not responsible for advising you regarding compliance with these requirements.
  • You do not lose the funds in your Health Savings Checking account if they are not used within the year.
  • You may make contributions to your HSA account for the previous tax year until April 15th or the tax deadline. 
  • Your HSA funds may not be used to make loan payments or as collateral for a loan
  • Overdraft protection is not offered with this account. Non-sufficient funds fees will be assessed if the account is overdrawn.

Additional information is available from the U.S. Government Office of Public Affairs. These are provided as general information only. Your employer or a tax adviser can help you determine if you are eligible to open an HSA and provide you with the contribution limits that apply to your situation.

*ATM and/or debit card will be issued subject to our usual credit criteria.