At TopLine, we’re committed to our members and to our community. Check back often to learn about special promotions designed to give you more value from your credit union membership.

Contents:

1. Grow Your Savings with a 60-month Certificate
2. Get 2,000 bonus rewards points with a new Smart Rewards Check Card
3. $11,000 in 2009-2010 Scholarship Money Available
4. Credit Union Deposit Insurance Limits Increased
5. Smart Rewards Check Card
6. IRAs Offer Smart Options
7. Premium Money Market
8. TopLine Investment Services

Grow Your Savings with a 60-month Certificate

Looking for a smart way to grow your savings?

If you're looking for a place to tuck away savings dollars,
consider TopLine's 60-month certificate.

Better returns.

If you want to earn better returns on your hard-earned savings, bring your money to TopLine where ownership brings you some of the highest returns around.
Click here to see all of our current savings rates.

Saving smart is simple at TopLine.

TopLine makes saving smart simple, because you choose the account that is just right for you and the amount you'd like to deposit, then we'll be sure to reward you for your membership with a competitive rate of return.

Insured.

With a TopLine Share Certificate, Money Market or other savings accounts, you'll save more than just money—you'll save with peace of mind in knowing that your deposits are insured up to $250,000 by the National Credit Union Administration,
a federal agency. Click here for additional information.

With rates like these from an institution you know and trust, what more encouragement do you need to start a new savings plan? And, if you have CDs set to mature somewhere else, it's a great time to move that money to TopLine.

Don't delay in taking advantage of the terrific returns available to you as a TopLine member/owner, because rates can often change. Call a member service representative at 763-391-9494 or stop by any branch office today.

Certificate dividends are calculated daily and paid quarterly. A penalty may be imposed for early withdrawal. All certificates will automatically renew at maturity for same term at the current market rate if not withdrawn. Balances on Money Market accounts that fall below minimum will not earn dividends and may incur a monthly fee, which will reduce account earnings. Dividends are calculated daily and paid monthly.

'Tis better to give and receive

Get 2000 CURewards™ points with a new Smart Rewards Check Card.

Eat, shop and be merry.

Open a TopLine checking account with a Smart Rewards Check Card now through December 31, 2008 and receive 2,000 bonus CURewards points with your first purchase*—just in time for holiday shopping.

And you can even combine your Smart Rewards Check Card points with points earned on the TopLine Platinum Rewards VISA® for more earning power.

You'll also enjoy access to over 57,000 fee-free ATM locations and be able to get cash-back right at the register when you pay at participating merchants.

Call us at 763-391-9494 or stop in any of our branch locations to get rewarded.

More points, more power.It's another way TopLine helps you get smart with your money.

* Offer good through December 31, 2008. Minimum checking deposit of $25 and monthly automatic deposit of $10 required. TopLine Smart Rewards Check Card qualifying signature or PIN purchases, net returns, earns one point for every four dollars. TopLine Platinum Rewards VISA qualifying purchases, net returns, earns one point for every dollar charged to their credit card account. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency conversion charges or insurance charges posted to the account. See CURewards.com for additional program details.

$11,000 in 2009-2010 Scholarship Money Available

The Minnesota Family Involvement Council (FIC) has $11,000 available in scholarship money for Minnesota credit union members who are continuing their education.

The FIC is offering two $1,000 scholarships and eighteen $500 scholarships to 20 credit union members throughout Minnesota. Any individual attending college or university, graduate or law school, 2- or 4-year program or community or technical college in the fall of 2009/spring 2010 is eligible. There are no fees to apply.

Those interested need to complete the application form and submit a typed essay (up to 500 words in length) answering the question, "Financial education is a high school graduation requirement in several other states. Explain the pros and cons of Minnesota doing the same."

Scholarship deadline is Monday, February 2, 2009.

For an application packet,click here. Or contact us at 763-391-9494, stop in any of our branch locations or visit http://www.mnfic.org/scholarships.html for an online application.

The Minnesota Family Involvement Council (FIC) is a volunteer organization made up of representatives from creditunions around the state. They promote financial education and awareness.

Credit Union Deposit Insurance Limits Increased

Effective with the passage of the financial rescue bill on October 3, credit union deposit insurance increased to $250,000 (from $100,000), just like FDIC-insured bank deposits. And, IRA deposits remain insured to $250,000. The rules on how account ownership is determined have not changed —so many member deposits may be insured for even more.

Whether you're thinking about short-term savings, long-term investments or peace of mind, know that your money is safe at TopLine.

If you have questions about how your accounts are insured, contact the NCUA at 1-800-755-1030, Extension 1. Click here for an electronic tool kit to help you better understand the NCUA insurance protection.

Your money is federally insured
TopLine deposits are federally insrued by the National Credit Union Share Insurance Fund (NCUSIF). The fund is administered by the National Credit Union Administration, a U.S. federal government agency.

Your Insured Funds provides additional information on federal deposit share insurance. The NCUA's Insurance Estimator is an excellent resource to determine insurance coverage.

Always a smart choice.
Our most important customer is you, our member/owner. You are welcome to contact us to discuss your personal situation and to answer any questions you may have about the federal share insurance coverage increase. Call 763-391-9494 or stop in any of our six branch locations.

Let's keep growing our credit union together, responsibly.

Smart Rewards Check Card

TopLine's new Smart Rewards Check Card lets you get smart with your checking:

• Access to over 57,000 fee-free retail and ATM locations nationwide.
• Get cash back right at the register when you use your Smart Rewards Check Card at certain retailers like Costco, Target and Walgreens.
• Earn CU Rewards™ points with every purchase. Points can be combined with your Platinum Rewards Visa®.

A great rewards program has just become twice as rewarding. Get double rewards points for gas and retail purchases When you use your TopLine Smart Rewards Check Card or your TopLine Platinum Rewards VISA® in September and October . You'll earn your merchandise and travel rewards twice as fast. Smart rewards are just a swipe away.

Visit CURewards.com to see a full selection and description of the merchandise and travel options and to redeem your points.

If you have questions about the new ATM network, new card or reward points, click here.

TopLine Platinum Rewards VISA qualifying purchases, net returns, earns one point for every dollar charged to their credit card account. No points are earned for finance charges, fees, cash advances, convenience checks, foreign transaction currency conversions or insurance charges posted to the account. TopLine Smart Rewards Check card qualifying signature or PIN purchases, net returns, earns one point for every four dollars. See CURewards.com for further program details.

IRAs Offer Smart Options

A TopLine Individual Retirement Account (IRA) is a great option if you are looking for a smart way to invest for your future. IRAs are personal savings plans that provide income tax advantages to people saving money for retirement or even education purposes. At TopLine, we offer several IRA options that will help you on your way.

• Traditional IRA – offers tax savings up front with certain tax-deductible contributions and tax-deferred earnings. Most distributions are taxable.
• Roth IRA – offers tax savings when you retire with non-deductible contributions and tax-deferred earnings. All qualified distributions are tax-free.
• Coverdell Education Savings Account (formerly Education IRA ) – help pay for your child’s education expenses with tax-deferred earnings. Contributions are not tax deductible and distributions are tax-free for qualified education expenses.
• IRA Money Market Savings Accounts – an easy way to start saving for retirement that combines the benefits of an IRA with a Money Market Savings Account. Interest earned is tax-deferred until withdrawn from the IRA. Tiered interest rates allow you to earn higher interest for higher account balances.
• IRA Certificates – offers a guaranteed return on your investment. Flexible terms from 12 months to five years. Choose from Traditional, Roth or Coverdell certificates depending on your situation

For more information on which IRA is right for you, email members@toplinecu.com to email a member service representative, call us at 763-391-9494 or visit any branch location.

Get More from Your Savings

Savvy savers want to maximize their earnings without sacrificing flexibility. Our $10,000 minimum Premium Money Market account does just that. You'll earn substantially higher dividends than offered by conventional savings accounts.

You'll enjoy penalty-free access to your funds through phone banking online or in person. *Rates are tiered so as your balance grows, so do your earnings. You can rest easy knowing your savings are insured up to at least $100,000 by the National Credit Union Administration, a federal agency.

Click here to email a member services representative, call us at 763-391-9494 or visit any branch location and we'll open your money market account on the spot.

The Best Time for Tax Planning is All Year Long

Consider tax planning strategies throughout the year, not just in April. Whether it's 401(k) planning, deductible IRA's or other tax-deferred savings accounts, the options can be overwhelming. The Investment Advisor Representatives at TopLine Investment Services can help you wade through the choices to determine the best plan for your future. Or if you choose to invest outside of retirement plans, TopLine Investment Services offers stocks, bonds and mutual funds, all with the personalized service you've come to expect from your credit union.

Click here for more information on how the Investment Advisor Representatives at TopLine Investment Services can help with your tax planning.

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