How it Works:ThinkstockPhotos-99022456

It’s easy to get started!

To begin the Bicycle Loan process, simply choose one of the two options below.



Option One – Preapproval

  1. Visit a TOPCU branch, over the phone, or on-line by logging into your TOPCU account

  2. If approved, go pick out your bicycle at a local bicycle shop and have them give you an itemized invoice showing the total purchase price (including accessories)**

  3. Go to a TOPCU branch to sign the loan documents; you will receive a check made payable to the bicycle shop and yourself for up to 100% of the total purchase price (including accessories)**

  4. Take the check to the bicycle shop and complete your purchase.


Option Two

  1. Purchase the bicycle, along with any accessories**

  2. Go to a TOPCU branch with your receipt of purchase within two weeks of purchase date (receipt must be itemized)

  3. If approved for the loan, TOPCU will reimburse 100% of the total bicycle/accessory cost.

*APR=ANNUAL PERCENTAGE RATE. Approval is based on your credit history and credit qualifications. Minimum $500; maximum $7500. Maximum loan term is 36 months. Applies to new purchase only. Additional terms may apply, contact TOPCU for more information.
** Total purchase price, including accessories, cannot exceed 120% of the retail price of the bicycle.
Federally insured by NCUA.


Rates may be fixed or variable and may include discounts or other promotional conditions. Rates are subject to change without notice.