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Exciting News!  We Have a Proposed Merger Planned with TopLine Financial Credit Union.  

It’s through our commitment to helping you discover and achieve your dreams that this merger was proposed and we’re excited to share this future-focused next step with you.  As this process moves along, we’ll continue to provide you relevant information and answers to your questions.


“By combining our resources and financial strength, Anoka Hennepin members will come to experience more value, such as access to additional products and services, like mortgage and small business services, along with an expanded branch network,”

 - Jeff Claussen, Anoka Hennepin Credit Union, President & CEO


What Does a Proposed Merger Mean?

The proposed merger between TopLine Financial Credit Union and Anoka Hennepin Credit Union received preliminary approval by state regulator, the Minnesota Department of Commerce, and federal regulator, the National Credit Union Administration (NCUA), pending Anoka Hennepin Credit Union's membership vote.

Anoka Hennepin Credit Union will be sending notification and official ballots to their membership, who will ultimately vote on the merger in a Special Member's Meeting to be held on Thursday - June 27, 2024. If Anoka Hennepin Credit Union members vote to approve, then formal approval will be granted by state and federal regulators, with anticipated legal merger of July 1, 2024.


"Our shared vision and passion of helping members financially succeed and supporting the betterment of communities will remain a core commitment, driven by our comparable values and purpose of supporting financial well-being for all." 

– Mick Olson, TopLine Financial Credit Union, President & CEO

Special Meeting & Voting Information

The Board of Directors of Anoka Hennepin Credit Union have called a Special Meeting of AHCU Members. All members with voting rights will receive a Special Meeting packet by mail.  The packet will include a letter from AHCU Board Chair – Terry Anderson, Special Meeting Notice, and Merger Ballot.


Where: The Servion Group - 500 Main Street, New Brighton, MN 55112

When: Thursday - June 27th, 2024 at 6:00 PM


Special Meeting Notice

Note: Voting is prohibited at any Anoka Hennepin Credit Union or TopLine Financial Credit Union location. Completed ballots will not be accepted nor are duplicate ballots available at any branch location.



Member Voting Information:

We know the final decision is up to you, our member, and we hope you'll participate in the voting process for the proposed merger. You can vote in one of two ways:

  • Mail your ballot using the envelope included in Special Meeting Packet mailing.

  • In-person by attending the Special Meeting on June 27, 2024 at 6:00 PM 


Note: Voting is prohibited at any Anoka Hennepin Credit Union or TopLine Financial Credit Union location. Completed ballots will not be accepted nor are duplicate ballots available at any branch location.


Special Meeting & Voting Questions:

What is the Special Meeting?

The special meeting is an opportunity for AHCU members to vote in-person, if you’ve chosen not to mail in your ballot.


I have to attend the Special Meeting?

No, it is not required. However, if you choose not to mail your ballot, it is the only other opportunity to vote on the proposed merger.


When & Where is the Special Meeting?

Thursday - June 27th, 2024 at 6:00PM

The Servion Group: 500 Main St. New Brighton, MN 55112


How do I vote?

  • By mailing the ballot with the Special Meeting notice using the envelope included in the mailing.

  • In-person by attending a Special Meeting.

Note: Voting is prohibited at any Anoka Hennepin Credit Union or TopLine Financial Credit Union location. Completed ballots will not be accepted nor are duplicate ballots available at any branch location.


Do TopLine members also vote?

No, only AHCU members need to vote on the proposed merger. 


What is the voting deadline?

If you’re mailing your ballot, it must be received on June 25, 2024. If you’re attending the Special Meeting, in-person votes are collected at the meeting.


When will I be informed of the voting results?

We will communicate the results when they are finalized.


How do I vote if I lost/discarded the ballot I received in the mail?

If you ballot is lost or discarded, you can vote by attending the in-person Special Meeting.


Merger FAQs


General Merger Questions:

Do AHCU members have to approve the merger?

Yes. AHCU member will need to vote to approve the merger.  Please refer to the Special Meeting packet mailed to all members.  Members should begin receiving the packet after May 11, 2024.


What is going to change for me as a member on July 1st?

Initially, you won’t notice any changes.

Access to your accounts in our branches, online and through our automated channels will initially remain the same. In the coming months, we will work together with TopLine to identify the best choice of things like technology platforms, online/mobile banking provider, product, and service offerings.


When will I see changes with the merger?

There are many moving parts to a merger, so as specific areas of your banking are part of any changes, we will communicate those to you in advance to ensure you’re well prepared. 

We’ll also update this area of our website on an ongoing basis as we identify upcoming changes. Don’t worry! We’ll be here every step of the way to help! 


Why did Anoka Hennepin Credit Union choose TopLine Financial Credit Union as a merger partner?

Culturally, Anoka Hennepin and TopLine share similar membership histories. We share a common focus on member advocacy and commitment to preserving a strong member-focused culture through social responsibility outreach programs and high community involvement with TopLine Financial Credit Union.

This merger will also enable us to continue expanding our reach and better serve our communities than we would as separate organizations. We have always been committed to providing exceptional personalized service to our members, and this merger represents a significant step in that continuation.

About TopLine Financial Credit Union


What are the benefits to me as an Anoka Hennepin member?

There will be many exceptional benefits that will help you to achieve greater financial success. With this merger creating a combined credit union with $1.1 billion in assets, it opens a much higher opportunity for financial betterment within our expanded membership.  

More Member Access

A larger branch network with ten branch locations would allow us to have more impact on existing members. All branches will be open for business at the merger date. This will include the added convenience of shared branching services that will allow you to enjoy access to your credit union accounts at over 5,100 locations nationwide and an expanded ATM/ITM network. We will gain more resources allowing us to serve more members and have a deeper impact in the communities we serve. The merger will also link service areas in the northern suburbs, representing 15 contiguous counties in Minnesota, which include: Anoka, Benton, Carver, Chisago, Dakota, Hennepin, Isanti, Kanabec, Mille Lacs, Pine, Ramsey, Scott, Sherburne, Washington, and Wright.

Products & Services

An impressive suite of first-in-class products and services, which includes new deposit and loan options, full-service in-house mortgage origination, investment and insurance services, and various small business services.

More Responsive to Evolving Financial Needs

As a larger organization, we would achieve modern efficiencies with combined resources at a much faster pace, which would allow us to offer long-lasting cost savings in deposit and loan rates, and ultimately return more value to members through other free and low-cost services to continue to support financial well-being for all.

Forward-focused Technologies

This partnership would allow us to constantly assess and improve our technology solutions essential services such as online and mobile banking, including digital wallet capabilities, financial education, and fraud prevention.

Same Knowledgeable, Friendly Faces

The same friendly staff at our branches would continue to be available to serve members.


Will membership eligibility change, what if I joined based on my employer’s SEG status with AHCU?

The great news is eligibility will be expanded with a service area represented in 15 contiguous counties in Minnesota, which will  include: Anoka, Benton, Carver, Chisago, Dakota, Hennepin, Isanti, Kanabec, Mille Lacs, Pine, Ramsey, Scott, Sherburne, Washington and Wright, and will provide greater service convenience and reach for both Anoka Hennepin and TopLine members throughout Minnesota by an expanded branch network, expanded shared branching network, and expanded electronic service capabilities including mobile, online and remote services.  Collectively, the branch locations of Anoka Hennepin (5) and TopLine (5) truly complement each other, allowing them to serve a broader community with the ability to provide financial services access to more consumers. Also, don't forget - once a member, always a member!


Will AHCU branches remain open with the same hours?

All AHCU branches will be open through the merge and beyond.  Branches will also keep their existing hours and we will communicate in advance of any changes to them.  For a list of AHCU branches, click here.


When can I conduct transaction at TopLine branches or vice versa?

AHCU members will eventually be able to use TopLine branches and vice versa through a Shared Branching Network.  This will allow you to complete basic transactions like cash checks, make withdrawals, transfer money, etc. 


Will the new combined credit union’s name change?

AHCU will maintain its identity, and will be branded as a division of TopLine Financial Credit Union for one year after the merger approval date to assist in the proper transition of systems and culture.  Thereafter, the new combined credit union will take on the TopLine brand.


Will the merger of Anoka Hennepin and TopLine increase financial stability?

Both Anoka Hennepin and TopLine are financially sound credit unions, as evidenced by their separate capital ratios, profitability, operating and loss ratios.  The merger will result in an even stronger credit union with a larger capital base for growth, with better ability to withstand economic downturns, with larger market and member access for growing loans and expanding market share, and with increased scale to lower operating costs and thus to increase overall returns to members.  With combined operating efficiencies and economies of scale by spreading expenses over a more significant asset and member base, growth from this merger will enhance our ability to keep our dividend and loan rates competitive in the marketplace, offer other free and low-cost services to continue to support financial well-being, and allow continued investment in new products and services, branch locations, delivery channels, and other partnerships. 


Would my accounts continue to be federally insured?

Yes. Rest assured that your savings with the combined credit union will continue to be federally insured by the National Credit Union Share Insurance Fund (NCUSIF). Information regarding NCUA insurance and a calculator to help determine your coverage is available at


Will AHCU employees keep their jobs?

Yes. Both credit unions recognize the importance of retaining talented and dedicated team members and that a successful merger is dependent on retaining that talent and leadership. By merging, the expansion of the credit union and future growth may offer additional potential for career advancement opportunities and employee professional development. 


Merger Comment or Question?

Check out our Merger Timeline & FAQs Tab, have a question not addressed there?

If you wish to submit comments about the merger to share with other members, you may submit them to the National Credit Union Administration (NCUA) online at

By mail at the following address:

NCUA - Office of Credit Union Resources and Expansion
1775 Duke Street
Alexandria, VA 22314
RE: Member-to-Member Communication for Anoka Hennepin Credit Union. 


The NCUA will post comments received from members on its website, along with the member's name, subject to the limitations and requirements of its regulations.



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