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Together Credit Union

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Together Credit Union Rates & Review November 2026

Q: What are the current interest rates at Together Credit Union?

Current rates for Together Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 60-Month CD: 3.10%, Savings: 5.00%, MMA: 3.75%

Q: What CD terms does Together Credit Union offer?

Together Credit Union CD rates are 3.55% APY for a 6 month CD, 3.55% APY for a 9 month CD, 3.60% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Together Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Together Credit Union's Member Merits (Gold) 12 Month CD rates are at 3.60%, 12 Month CD rates are at 3.55%, Member Merits (Gold) 6 Month CD rates are at 3.55%, Member Merits (Gold) 9 Month CD rates are at 3.55%, 6 Month CD rates are at 3.50%. Together Credit Union's savings rates are at 5.00%. Together Credit Union's money market rates are at 3.75%. Together Credit Union's checking rates are as high as 4.00%. Together Credit Union's 5/6mo ARM rates are at 6.00%, Jumbo - 15-Year Loan rates are at 6.75%, 7/6mo ARM FTHB rates are at 6.50%, Fixed Mortgage - 15-Year rates are at 6.75%, Fixed Mortgage - 30-Year rates are at 7.38%. Together Credit Union's Personal Loan Rates are as low as 10.49%. Together Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.

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 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
11 Month CD Special	4.41%	4.50%	11 Months
Min Balance $1,000 Details Balance: $1,000 minimum; Special 11 Month 4.50% APY (4.41% APR) available starting 09/22/2026; eligible for new 11 month CDs only; renews to 12 month CD rate at maturity; cannot be combined with other promotional offers; $500 minimum for youth account CDs Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Sep 29, 20264.50%▲ from 4.25% Sep 18, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA Certificate of Deposit - 11 Month Special	4.41%	4.50%	11 months
Min Balance $1,000 Details Special 11 Month 4.50% APY (4.41% APR) available starting 09/22/2026; eligible for new 11 month CDs only, existing CD terms do not roll into the special; cannot be combined with other promotional offers; Member Merits rate bonus does not apply; subject to early withdrawal penalty; Min/Avg Daily Balance $1,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA 12 Month Certificate	3.54%	3.60%	12 Months
Min Balance $1,000 Details Term not printed in source table (row 4 of 12); Min/Avg Daily Balance $1,000; variable rate, may adjust on anniversary dates; available for Traditional IRAs only Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 12 Month Certificate	3.54%	3.60%	12 Month
Min Balance $1,000 Details Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
12 Month Certificate	3.49%	3.55%	12 Months
Min Balance $1,000 Details Balance: $1,000 minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55% Sep 18, 20263.55%▼ from 3.60% Sep 14, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA 6 Month Certificate	3.49%	3.55%	6 Months
Min Balance $1,000 Details Term not printed in source table (row 1 of 12); Min/Avg Daily Balance $1,000; variable rate, may adjust on anniversary dates; available for Traditional IRAs only Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 6 Month Certificate	3.49%	3.55%	6 Month
Min Balance $1,000 Details Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 9 Month Certificate	3.49%	3.55%	9 Month
Min Balance $1,000 Details Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
6 Month Certificate	3.45%	3.50%	6 Months
Min Balance $1,000 Details Balance: $1,000 minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50% Sep 18, 20263.50%▼ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
9 Month Certificate	3.45%	3.50%	9 Months
Min Balance $1,000 Details Balance: $1,000 minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50% Sep 18, 20263.50%▼ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA 18 Month Certificate	3.25%	3.30%	18 Months
Min Balance $1,000 Details Term not printed in source table (row 5 of 12); Min/Avg Daily Balance $1,000; variable rate, may adjust on anniversary dates; available for Traditional IRAs only Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 18 Month Certificate	3.25%	3.30%	18 Month
Min Balance $1,000 Details Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 24 Month Certificate	3.25%	3.30%	24 Month
Min Balance $1,000 Details Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 36 Month Certificate	3.25%	3.30%	36 Month
Min Balance $1,000 Details Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 48 Month Certificate	3.25%	3.30%	48 Month
Min Balance $1,000 Details Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 60 Month Certificate	3.25%	3.30%	60 Month
Min Balance $1,000 Details Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
18 Month Certificate	3.20%	3.25%	18 Months
Min Balance $1,000 Details Balance: $1,000 minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25% Sep 18, 20263.25%▼ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
24 Month Certificate	3.20%	3.25%	24 Months
Min Balance $1,000 Details Balance: $1,000 minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25% Sep 18, 20263.25%▼ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
36 Month Certificate	3.20%	3.25%	36 Months
Min Balance $1,000 Details Balance: $1,000 minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25% Sep 18, 20263.25%▼ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
48 Month Certificate	3.20%	3.25%	48 Months
Min Balance $1,000 Details Balance: $1,000 minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25% Sep 18, 20263.25%▼ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
60 Month Certificate	3.20%	3.25%	60 Months
Min Balance $1,000 Details Balance: $1,000 minimum Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25% Sep 18, 20263.25%▼ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
IRA 36 Month Variable Rate Certificate	3.11%	3.15%	36 Months
Min Balance $1,000 Details Term not printed in source table (row 8 of 12); Min/Avg Daily Balance $1,000; variable rate, may adjust on anniversary dates; available for Traditional IRAs only Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 36 Month Variable Rate Certificate	3.11%	3.15%	36 Month
Min Balance $1,000 Details Gold Member Merit rate; variable rate certificate, rate may adjust at each anniversary period and will never be lower than rate earned on issue date; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Member Merits (Gold) 60 Month Variable Rate Certificate	3.11%	3.15%	60 Month
Min Balance $1,000 Details Gold Member Merit rate; variable rate certificate, rate may adjust at each anniversary period and will never be lower than rate earned on issue date; requires household relationship of $25,000 or more in loan and deposit balances; Balance: $1,000 minimum average daily balance Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
36 Month Variable Rate Certificate	3.06%	3.10%	36 Months
Min Balance $1,000 Details Balance: $1,000 minimum; variable rate: APY may change twice during the term, less a margin of .10% for 36 months, and will never be lower than the rate earned on issue date; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10% Sep 18, 20263.10%▼ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
60 Month Variable Rate Certificate	3.06%	3.10%	60 Months
Min Balance $1,000 Details Balance: $1,000 minimum; variable rate: APY may change twice during the term, less a margin of .25% for 60 months, and will never be lower than the rate earned on issue date; early withdrawal penalty may apply Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10% Sep 18, 20263.10%▼ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Business CD Rates

Product	Rate	APY	Term
Business 11 Month CD Special	4.41%	4.50%	11 Month
Min Balance $1,000 Details Special 11 Month 4.50% APY (4.41% APR) available starting 09/22/2026; applies to business member CDs; not variable for established term; Minimum $1,000 balance; Dividend Rate 4.41% Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Sep 29, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 12 Month Certificate	3.49%	3.55%	12 Month
Min Balance $1,000 Details Average daily balance; Dividend Rate 3.49% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 6 Month Certificate	3.45%	3.50%	6 Month
Min Balance $1,000 Details Average daily balance; Dividend Rate 3.45% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 9 Month Certificate	3.45%	3.50%	9 Month
Min Balance $1,000 Details Average daily balance; Dividend Rate 3.45% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 18 Month Certificate	3.20%	3.25%	18 Month
Min Balance $1,000 Details Average daily balance; Dividend Rate 3.20% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 24 Month Certificate	3.20%	3.25%	24 Month
Min Balance $1,000 Details Average daily balance; Dividend Rate 3.20% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 36 Month Certificate	3.20%	3.25%	36 Month
Min Balance $1,000 Details Average daily balance; Dividend Rate 3.20% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 48 Month Certificate	3.20%	3.25%	48 Month
Min Balance $1,000 Details Average daily balance; Dividend Rate 3.20% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 60 Month Certificate	3.20%	3.25%	60 Month
Min Balance $1,000 Details Average daily balance; Dividend Rate 3.20% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 36 Month Variable Rate Certificate	3.06%	3.10%	36 Month
Min Balance $1,000 Details Variable rate; rate may adjust at anniversary dates, never lower than rate earned on issue date; Average daily balance; Dividend Rate 3.06% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 60 Month Variable Rate Certificate	3.06%	3.10%	60 Month
Min Balance $1,000 Details Variable rate; rate may adjust at anniversary dates, never lower than rate earned on issue date; Average daily balance; Dividend Rate 3.06% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times 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 $5 Details Balance: $100.00 - $5,000.99; APY dividend of 5.00% earned on balances $100.00 to $5,000.99; balances $5,001.00 and above earn 0.20% APY; requires open checking account under the same membership number; must be 22 years or older; one per Social Security or Taxpayer Identification Number; rates subject to change without notice after account opening Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 5.00% APY · checked 6 times 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 Balance: $100.00 - $5,000.99; Balances $5,001.00 and above earn APY of .20%; Requires an open checking account under the same membership number; Members 19 years of age or older; Dividend rate and APY subject to change after account opening Last Updated 10/29/2026 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	2.96%	3.00%
Min Balance $5 Details Balance: $5.00 - $2,500.00; available to members up through age 18; APY dividend of 2.96% earned on balances $5.00-$2,500.00; balances over $2,500.00 earn 0.20% APY; Minimum Balance/Average Daily Balance: $5/$5 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Earn and Learn Savings	-	3.00%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 - $1,000.00; Earn 3.0% APY on first $1,000; Available to members age 0-21 Last Updated 10/29/2026 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%
Financial Youth Group Savings	0.20%	0.20%
Min Balance $5 Details Minimum Balance/Average Daily Balance: $5/$5 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Holiday Savings	0.20%	0.20%
Min Balance $0 Details Minimum Balance/Average Daily Balance: $0/$5 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Junior Account Savings	0.20%	0.20%
Min Balance $5 Details Minimum Balance/Average Daily Balance: $5/$5 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Multiple Savings	0.20%	0.20%
Min Balance $0 Details Minimum Balance/Average Daily Balance: $0/$100 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Regular Savings	0.20%	0.20%
Min Balance $5 Details Minimum Balance/Average Daily Balance: $5/$100 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Young Adult Financial Group Savings	0.20%	0.20%
Min Balance $5 Details Minimum Balance/Average Daily Balance: $5/$5 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 7 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 Details Min. Balance/Average Daily Balance: $5/$100; Dividend Rate 0.30%; APY compounded monthly on average daily balance Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 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	-	3.75%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.65%	1.66%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.55%	1.56%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Select Money Market	1.50%	1.51%
Min Balance $1,000 Details Balance: $1,000 - $99,999 (avg.); Based on average daily balance Last Updated 10/29/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.35%	1.36%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.20%	1.21%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.15%	1.16%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 9 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%
Min Balance $250,000 Details Balance: $250,000 & above Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.65%	1.66%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.55%	1.56%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.45%	1.46%
Min Balance $1,000 Details Balance: $1,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Checking Rates

Product	Rate	APY	View More
High Interest Checking	-	4.00%
Details Qualifications Required; Balance: $0.00 - $25,000.00; $5 per month fee applies if ADB falls below $1,000; Membership eligibility required Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 4 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%	-	6.202%
Details Adjustable Rate Mortgage Last Updated 10/29/2026 Rate History 2 changes since Oct 2, 2026 · 7.03% → 6.20% ▼ 0.83 pts · high 7.03% / low 6.20% Oct 29, 20266.20%▼ from 6.25% Oct 13, 20266.25%▼ from 7.03% Oct 2, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Jumbo - 15-Year Loan	6.75%	-	6.944%	15-Year
Details Jumbo; Interest Rate then APR Last Updated 10/29/2026 Rate History 3 changes since Oct 13, 2026 · 7.23% → 6.94% ▼ 0.29 pts · high 7.23% / low 6.94% Oct 29, 20266.94%▼ from 7.23% Oct 26, 20267.23%▲ from 7.20% Oct 19, 20267.20%▼ from 7.23% Oct 13, 20267.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
7/6mo ARM FTHB	6.50%	-	7.163%
Details Adjustable Rate Mortgage; First-Time Home Buyers special terms, member eligibility required Last Updated 10/29/2026 Rate History No change since Oct 2, 2026 · 7.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fixed Mortgage - 15-Year	6.75%	-	7.25%	15-Year
Details Home Loan Options; Fixed Mortgage; Interest Rate then APR Last Updated 10/29/2026 Rate History 3 changes since Oct 13, 2026 · 7.20% → 7.25% ▲ 0.05 pts · high 7.38% / low 7.20% Oct 29, 20267.25%▲ from 7.20% Oct 26, 20267.20%▼ from 7.38% Oct 19, 20267.38%▲ from 7.20% Oct 13, 20267.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fixed Mortgage - 30-Year	7.375%	-	7.58%	30-Year
Details Home Loan Options; Fixed Mortgage; Interest Rate then APR Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.71% → 7.58% ▼ 0.13 pts · high 7.71% / low 7.58% Oct 19, 20267.58%▼ from 7.71% Oct 13, 20267.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Jumbo - 30-Year Loan	7.375%	-	7.601%	30-Year
Details Jumbo; Interest Rate then APR Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 7.63% → 7.60% ▼ 0.03 pts · high 7.63% / low 7.60% Oct 19, 20267.60%▼ from 7.63% Oct 13, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity - 15-Year Choice	8.25%	-	8.483%	15-Year
Details Home Equity loan; Interest Rate then APR Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 8.42% → 8.48% ▲ 0.06 pts · high 8.48% / low 8.42% Oct 29, 20268.48%▲ from 8.42% Oct 13, 20268.42%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	Term
New Auto	-	-	4.99%	Up to 63 Months
Details Auto loan; APR* Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.64% → 4.99% ▲ 0.35 pts · high 4.99% / low 4.64% Oct 5, 20264.99%▲ from 4.64% Sep 14, 20264.64%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Auto - Up to 63 Months	-	-	5.34%	Up to 63 Months
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Auto	-	-	5.49%	Up to 75 Months
Details Auto loan; APR* Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.14% → 5.49% ▲ 0.35 pts · high 5.49% / low 5.14% Oct 5, 20265.49%▲ from 5.14% Sep 14, 20265.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Auto - Up to 75 Months	-	-	5.84%	Up to 75 Months
Details Minimum loan for 75 month term is $15,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Auto (2018 or older)	-	-	6.34%	Up to 60 Months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.34% ▲ 0.35 pts · high 6.34% / low 5.99% Oct 5, 20266.34%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Value Plus Auto	-	-	6.34%	Up to 60 Months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.99% → 6.34% ▲ 0.35 pts · high 6.34% / low 5.99% Oct 5, 20266.34%▲ from 5.99% Sep 14, 20265.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Auto	-	-	6.49%	Up to 84 Months
Details Auto loan; APR* Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.14% → 6.49% ▲ 0.35 pts · high 6.49% / low 6.14% Oct 5, 20266.49%▲ from 6.14% Sep 14, 20266.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Used Auto - Up to 84 Months	-	-	6.84%	Up to 84 Months
Details Minimum loan for 84 month term is $25,000 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.84% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Value Plus Auto	-	-	6.84%	61-72 Months
No additional details. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.49% → 6.84% ▲ 0.35 pts · high 6.84% / low 6.49% Oct 5, 20266.84%▲ from 6.49% Sep 14, 20266.49%first recorded 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	Term
Motorcycle Loan	-	8.14%	36 Months
Details APR* Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Motorcycle Loan	-	8.14%	48 Months
Details APR* Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New/Used RV Loan - 36-60 Months	-	8.14%	36-60 months
Details APR; Term and rates on secured loans depend on the age of the security and mileage on the collateral. Some restrictions may apply. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Motorcycle Loan	-	9.14%	60 Months
Details APR* Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.14% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New/Used RV Loan - 120 Months	-	9.14%	120 Months
Details APR; Term and rates on secured loans depend on the age of the security and mileage on the collateral. Some restrictions may apply. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 9.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New/Used RV Loan - 144 Months	-	10.14%	144 Months
Details APR; Term and rates on secured loans depend on the age of the security and mileage on the collateral. Some restrictions may apply. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.14% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - Any Reason Any Season	10.49%	Up to 72 Months
Details Published APR range: 10.49%-10.99%. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Personal Loan - Lines of Credit	13.65%	Revolving
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 13.65% APR · checked 2 times 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

2026 MBR Health & Safety Badge

Together Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Together Credit Union

Does Together Credit Union offer CDs?

Yes. Together Credit Union current CD rates include its Member Merits (Gold) 12 Month CD at 3.60% APY, its 12 Month CD at 3.55% APY and its Member Merits (Gold) 6 Month CD at 3.55% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Together Credit Union NCUA insured?

Yes. Together Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Together Credit Union?

The highest Together Credit Union CD rate is its 11 Month CD Special at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Together Credit Union offer?

Together Credit Union CD rates are 3.55% APY for a 6 month CD, 3.55% APY for a 9 month CD, 3.60% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.25% APY for a 2 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Together Credit Union for its full lineup.

What is the highest savings rate at Together Credit Union?

The highest Together Credit Union savings rate is its Accelerate It Savings at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Together Credit Union?

The highest Together Credit Union money market rate is its Select Money Market at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Together Credit Union?

The highest Together Credit Union checking rate is its High Interest Checking at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Together Credit Union?

The lowest Together Credit Union 30 year fixed mortgage rate is its Fixed Mortgage - 30-Year at 7.375%, verified by MonitorBankRates as of October 29, 2026. Together Credit Union mortgage rates are 7.375% for a 30 year mortgage and 6.75% for a 15 year mortgage.

What is the lowest auto loan rate at Together Credit Union?

The lowest Together Credit Union auto loan rate is its New Auto at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Together Credit Union?

The lowest Together Credit Union personal loan rate is its Personal Loan - Any Reason Any Season at 10.49% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Together Credit Union rates compare?

Together Credit Union's CD rates are 17% higher than the MonitorBankRates national average, and it has an A+ health rating. Together Credit Union's top rates are its 11 Month CD Special at 4.50% APY, its Accelerate It Savings at 5.00% APY, its Select Money Market at 3.75% APY, its High Interest Checking at 4.00% APY, its 5/6mo ARM at 6.00% and its Personal Loan - Any Reason Any Season at 10.49% APR, verified by MonitorBankRates on October 29, 2026.

Current Together Credit Union Rates

12-Month CD3.55%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD3.10%
Savings5.00%
MMA3.75%

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

Compare to Other Credit Unions

Together Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Together Credit Union Texas Ratio

Together Credit Union Health Trend

Together Credit Union CD Rates

Together Credit Union Business CD Rates

Together Credit Union Savings Rates

Together Credit Union Business Savings Rates

Together Credit Union Money Market Rates

Together Credit Union Business Money Market Rates

Together Credit Union Checking Rates

Together Credit Union Mortgage Rates

Together Credit Union Home Equity & HELOC

Together Credit Union Auto Loan Rates

Together Credit Union RV, Boat and Powersport Loan Rates

Together Credit Union Personal Loan Rates

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

Does Together Credit Union offer CDs?

Are CDs from Together Credit Union NCUA insured?

What is the highest CD rate at Together Credit Union?

What CD terms does Together Credit Union offer?

What is the highest savings rate at Together Credit Union?

What is the highest money market rate at Together Credit Union?

What is the highest checking rate at Together Credit Union?

What is the lowest 30 year fixed mortgage rate at Together Credit Union?

What is the lowest auto loan rate at Together Credit Union?

What is the lowest personal loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Together Credit Union rates compare?

Current Together Credit Union Rates

Compare to Other Credit Unions