What are the current interest rates at Together Credit Union?

Current rates for Together Credit Union include: Savings: 5.00%, MMA: 3.75%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Together Credit Union

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Together Credit Union Rates & Review October 2026

Q: How many branches does Together Credit Union operate?

Together Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Together Credit Union?

Yes, to access services at Together Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Together Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Together Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Together Credit Union's top rates as of October 9, 2026 are 3.60% APY on its 36 month Member Merits (Gold1) CD of Deposit, 5.00% APY on savings, 3.75% APY on money market accounts, 6.00% on its 5/6mo ARM mortgage, personal loans from 8.64% APR, and credit cards from 12.49% APR, according to rates verified by MonitorBankRates. Other Together Credit Union CD rates include 36 month Member Merits (Gold1) CD of Deposit at 3.55%, 36 month Member Merits (Gold1) CD of Deposit at 3.30%, and 36 month Member Merits (Gold1) CD of Deposit at 3.15%. Other Together Credit Union mortgage rates include 5/6mo ARM at 6.00%, 7/6mo ARM FTHB at 6.50%, and 15-Year Fixed Mortgage at 6.88%. MonitorBankRates evaluates the financial stability of Together Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.25%. Rates last updated and verified on 10/09/2026.

Together Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Together Credit Union? Share your experience about Together Credit Union by leaving a review below, or read customer reviews before you decide to use Together Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Together Credit Union
423 Lynch

423 Lynch St
Saint Louis, MO 63118-1902

https://www.togethercu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Together Credit Union CD Rates

Product	Rate	APY	Term
36 month Member Merits (Gold1) Certificate of Deposit	3.54%	3.60%	36 months
Min Balance $1,000 Details Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
36 month Member Merits (Gold1) Certificate of Deposit	3.49%	3.55%	36 months
Min Balance $1,000 Details Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
36 month Member Merits (Gold1) Certificate of Deposit	3.25%	3.30%	36 months
Min Balance $1,000 Details Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
36 month Member Merits (Gold1) Certificate of Deposit	3.11%	3.15%	36 months
Min Balance $1,000 Details Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Savings Rates

Product	Rate	APY
Accelerate It Savings	4.89%	5.00%
Min Balance $100 Details APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Balance: $100.00 - $5,000.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 5.00% / low 5.00% Sep 18, 20265.00%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Accelerate It Savings	-	5.00%
Min Deposit $5 Min Balance $100 Details Balances $5,001.00 and above will receive APY of .20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 19 years or older to open an Accelerate It savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 5.00% / low 5.00% Sep 18, 20265.00%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Earn & Learn Savings	-	3.00%
Min Deposit $5 Min Balance $5 Details Balances over $1,000.00 and above will receive APY of 0.20%. Available to members up through age 21. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.00% ▼ 0.00 pts · high 3.00% / low 3.00% Oct 5, 20263.00%▼ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Accelerate It Savings	0.20%	0.20%
Min Balance $100 Details APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Balance: $100.00 - $5,000.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 5.00% → 0.20% ▼ 4.80 pts · high 5.00% / low 0.20% Oct 9, 20260.20%▼ from 5.00% Sep 18, 20265.00%▼ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Holiday Savings	-	0.20%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Regular Savings	0.20%	0.20%
Min Balance $0 Details Balance: $0.00 - $5,000.99 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Regular Savings	0.20%	0.20%
Min Balance $100 Details Balance: $100.00 and over Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Regular Savings	0.20%	0.20%
Min Balance $5 Details Balance: $5.00 - $2,500.00 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	0.30%	0.30%
Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Money Market Rates

Product	Rate	APY
Select Money Market	3.44%	3.75%
Details New money only Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 1.51% → 3.75% ▲ 2.24 pts · high 3.75% / low 1.51% Oct 9, 20263.75%▲ from 1.51% Oct 5, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Select Money Market (IRA)	3.44%	3.50%
Min Deposit $100,000 Min Balance $100,000 Details New money only; APY is variable and subject to change at the Credit Union's discretion after account opening. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.65%	1.66%
Details Balance:; Fees listed on the Service Charge and Fee Schedule could reduce earning on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.55%	1.56%
Details Balance:; Fees listed on the Service Charge and Fee Schedule could reduce earning on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.50%	1.51%
Details Balance:; Fees listed on the Service Charge and Fee Schedule could reduce earning on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 1.56% → 1.51% ▼ 0.05 pts · high 1.56% / low 1.51% Sep 18, 20261.51%▼ from 1.56% Sep 14, 20261.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Select Money Market	1.50%	1.51%
Details Based on average daily balance Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.35%	1.36%
Details Balance:; Fees listed on the Service Charge and Fee Schedule could reduce earning on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.20%	1.21%
Details Balance:; Fees listed on the Service Charge and Fee Schedule could reduce earning on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.15%	1.16%
Details Balance:; Fees listed on the Service Charge and Fee Schedule could reduce earning on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	1.75%	1.77%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.65%	1.66%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.55%	1.56%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.45%	1.46%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6mo ARM	6.00%	-	6.254%	5/6mo ARM
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 7.03% → 6.25% ▼ 0.77 pts · high 7.03% / low 6.25% Oct 9, 20266.25%▼ from 7.03% Sep 22, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
5/6mo ARM	6.00%	-	6.873%	5/6mo ARM
Details Rates effective October 09, 2026. Rates, and terms and conditions subject to change without notice on new loans. Rates posted are estimates only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan. The quotes above are based on a specific loan amount for the purchase of a single family primary residence. 4) APR (Annual Percentage Rate) effective 9/17/2026. APR is based on the Prime Rate (7.00%), or Prime Rate (7.00%) plus a margin based on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00% APR, Cap = 15.0% APR. Loan features 10-year draw and 15-year repayment period. APR reflects best rate available based on less than 90% LTV & individual creditworthiness. Minimal credit union closing costs incurred for lines of credit up to $249,999 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $249,999 subject to standard lending practices with a closing cost between $0.00 - $4,000. City/county/state fees may apply. Membership eligibility is required. Loan subject to approval. Equity limits and underwriting requirements vary by state. We do business in accordance to the Federal Fair Housing Law and Equal Credit Opportunity Act. NMLS#401252. Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 7.03% → 6.87% ▼ 0.15 pts · high 7.03% / low 6.87% Oct 9, 20266.87%▼ from 7.03%* Sep 22, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
7/6mo ARM FTHB	6.50%	-	7.163%	7/6mo ARM
Details FTHB = First-Time Home Buyers. Special terms available for First-Time Home Buyers, member eligibility required. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.16% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
15-Year Fixed Mortgage	6.875%	-	7.199%	15-Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.90% → 7.20% ▲ 0.30 pts · high 7.45% / low 6.90% Oct 9, 20267.20%▼ from 7.45% Oct 5, 20267.45%▲ from 7.33% Sep 29, 20267.33%▲ from 6.90% Sep 14, 20266.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
30-Year Fixed Mortgage	7.50%	-	7.707%	30-Year
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 7.27% → 7.71% ▲ 0.44 pts · high 7.83% / low 7.27% Oct 9, 20267.71%▼ from 7.83% Oct 5, 20267.83%▲ from 7.71% Sep 29, 20267.71%▲ from 7.27% Sep 14, 20267.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto	-	-	4.99%
Details Additional APR listed for this product: 5.49%, 6.49%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Auto	-	-	5.34%
Details Additional APR listed for this product: 5.84%, 6.84%. 1 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Auto (2018 or older)	-	-	6.34%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Value Plus Auto	-	-	6.34%
Details Additional APR listed for this product: 6.84%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boats Loan	-	8.14%
Details Additional APR listed for this product: 9.14%, 10.14%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New/Used RV Loan	-	8.14%
Details Additional APR listed for this product: 9.14%, 10.14%. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. Some restrictions may apply. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Credit Card Rates

Product	Rate	APR
Business Credit Card	-	12.49%
Details Published APR range: 12.49% - 15.49%. Rate: Prime Rate plus the margin equal the Annual Percentage Rate (APR). The margin will be based on creditworthiness. APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 12.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Credit Card	-	14.49%
Details Published APR range: 14.49% - 17.49%. Rate: Prime Rate plus the margin equal the Annual Percentage Rate (APR). The margin will be based on creditworthiness. APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 14.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.64%	Up to 60 Months
Details Published APR range: 8.64%-9.64%. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Personal Loan	10.49%	Up to 72 Months
Details Published APR range: 10.49%-10.99%. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Personal Loan	13.65%	Revolving
Details Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 13.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Other Rates

Product	Rate	Points	APY/APR
Preferred Platinum Loan	-	-	10.40%
Details Published APR range: 10.40% to 20.40%. Intro rate expires: 12 months; Regular APR: 10.40% to 20.40% Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	3.49%	-	3.55%
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	4.41%	-	4.50%
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	3.54%	-	3.60%
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	3.25%	-	3.30%
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	3.11%	-	3.15%
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Earn and Learn	2.96%	-	3.00%
Min Balance $5 Details APY dividend of 2.96% is earned on balances $5.00- $2,500.00. Balances over $2,500.00 and above will receive APY of 0.20%. Balance: $5.00 - $2,500.00 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Together Credit Union’s Texas Ratio stayed near 4.20% in Q3 2023 to 4.25% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.7B	4.25%	5.0	A+
March 31, 2026	$2.7B	5.32%	5.0	A+
December 31, 2025	$2.7B	6.27%	5.0	A
September 30, 2025	$2.6B	5.30%	5.0	A+
June 30, 2025	$2.7B	5.13%	5.0	A+
March 31, 2025	$2.6B	4.54%	5.0	A+
December 31, 2024	$2.5B	5.49%	5.0	A+
September 30, 2024	$2.7B	4.54%	5.0	A+
June 30, 2024	$2.6B	4.46%	5.0	A+
March 31, 2024	$2.7B	4.17%	5.0	A+
December 31, 2023	$2.4B	4.31%	5.0	A+
September 30, 2023	$2.5B	4.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Together Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Together Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Together Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Together Credit Union

Website https://www.togethercu.org

Address 423 Lynch St, Saint Louis, MO 63118-1902

Phone 314-771-7700

Fax 314-771-3540

President Brock Tuffli

CEO Robert McKay

Full-Time Employees 423

Part-Time Employees 6

Branch Locations 26

ATM Locations 27

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.25%

Return on Assets (ROA)

0.4031%

Return on Equity (ROE)

4.1713%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

2,730,153,511

Total Amount of Shares and Deposits

2,349,670,471

Total Shares and Deposits < 1 Year

2,283,220,576

Total Shares and Deposits 1 3 Years

52,748,028

Total Shares and Deposits > 3 Years

13,701,867

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

180,699,179

Total Uninsured Shares and Deposits > $250K (F+J)

180,699,179

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,168,971,292

Total Interest Expense (Sum of items 6 8)

23,534,730

Share Certificates

16,340

Number of Accounts for Share Drafts

96,715

IRA KEOGH Accounts

4,424

Number of Accounts for Regular Shares

178,998

All other shares

2,927

Money Market Shares

23,326

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

132,003,308

Total Liabilities

2,484,610,323

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Together Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Together Credit Union

How many branches does Together Credit Union operate?

Together Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Together Credit Union?

Yes, to access services at Together Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Together Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Together Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Together Credit Union offer online and mobile banking?

Most modern institutions like Together Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.togethercu.org.

Current Together Credit Union Rates

Savings5.00%
MMA3.75%

Retrieved from our database of financial products. Rates subject to change.

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Together Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Together Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Together Credit Union

How many branches does Together Credit Union operate?

Is a member application needed to join Together Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Together Credit Union offer online and mobile banking?

Current Together Credit Union Rates

Compare to Other Credit Unions