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: 0.20%, MMA: 1.16%

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Together Credit Union

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Together Credit Union Rates & Review September 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: September 22, 2026

Together Credit Union's 11 Month CD Special rates are at 4.25%, Business 11 Month CD Special rates are at 4.25%, 12 Month CD rates are at 3.60%, 12 Month CD rates are at 3.55%, 6 Month CD rates are at 3.55%. Together Credit Union's savings rates are at 0.20%. Together Credit Union's money market rates are at 1.16%. Together Credit Union's 5/6mo ARM rates are at 5.75%, 15-Year Fixed Rate Mortgage rates are at 6.75%, 7/6mo ARM FTHB rates are at 6.25%, 30-Year Fixed Rate Mortgage rates are at 7.25%. Together Credit Union's Personal Loan Rates are as low as 14.75%. Together Credit Union's Credit Card Rates are at 10.40%. 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 5.32%. Rates last updated and verified on 09/22/2026.

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: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.32%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Together Credit Union
South County

3805 Union Rd
Saint Louis, MO 63125-4320

https://www.togethercu.org

Together Credit Union CD Rates

Product	Rate	APY	Term
11 Month CD Special	4.17%	4.25%	11 Month
Min Deposit $1,000 Min Balance $1,000 Details Special applies to non-IRA, IRA, youth account, and business member CDs. Eligible for new 11 month CDs, existing CD terms will not automatically renew or rollover into the 11 month special. Cannot be combined with any other promotional offer; Member Merits rate bonus does not apply; minimum $500 balance required for youth account CDs. Subject to penalty for early withdrawal. Fees/penalties can reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 11 Month CD Special	4.17%	4.25%	11 Month
Min Deposit $500 Min Balance $1,000 Details Special applies to non-IRA, IRA, youth account, and business member CDs. Minimum $1,000 balance required; minimum $500 balance required for youth account CDs. Subject to penalty for early withdrawal. Fees/penalties can reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
12 Month Certificate	3.54%	3.60%	12 Month
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
12 Month Certificate	3.49%	3.55%	12 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
6 Month Certificate	3.49%	3.55%	6 Month
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
9 Month Certificate	3.49%	3.55%	9 Month
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 12 Month Certificate	3.49%	3.55%	12 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
6 Month Certificate	3.45%	3.50%	6 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
9 Month Certificate	3.45%	3.50%	9 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 6 Month Certificate	3.45%	3.50%	6 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 9 Month Certificate	3.45%	3.50%	9 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
18 Month Certificate	3.25%	3.30%	18 Month
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
24 Month Certificate	3.25%	3.30%	24 Month
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
36 Month Certificate	3.25%	3.30%	36 Month
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
48 Month Certificate	3.25%	3.30%	48 Month
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
60 Month Certificate	3.25%	3.30%	60 Month
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
18 Month Certificate	3.20%	3.25%	18 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
24 Month Certificate	3.20%	3.25%	24 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
36 Month Certificate	3.20%	3.25%	36 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
48 Month Certificate	3.20%	3.25%	48 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
60 Month Certificate	3.20%	3.25%	60 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 18 Month Certificate	3.20%	3.25%	18 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 24 Month Certificate	3.20%	3.25%	24 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 36 Month Certificate	3.20%	3.25%	36 Month
Min Balance $1,000 Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 48 Month Certificate	3.20%	3.25%	48 Month
Min Balance $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 60 Month Certificate	3.20%	3.25%	60 Month
Min Balance $1,000 Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
36 Month Variable Rate Certificate	3.11%	3.15%	36 Month
Min Balance $1,000 Details Term: 36 Month Variable Rate Certificate 1; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
60 Month Variable Rate Certificate	3.11%	3.15%	60 Month
Min Balance $1,000 Details Term: 60 Month Variable Rate Certificate 1; 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
36 Month Variable Rate Certificate	3.06%	3.10%	36 Month
Min Balance $1,000 Details Term: 36 Month Variable Rate Certificate 1; 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
60 Month Variable Rate Certificate	3.06%	3.10%	60 Month
Min Balance $1,000 Details Term: 60 Month Variable Rate Certificate 1; 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 36 Month Variable Rate Certificate	3.06%	3.10%	36 Month
Min Balance $1,000 Details Term: 36 Month Variable Rate Certificate 1; 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business 60 Month Variable Rate Certificate	3.06%	3.10%	60 Month
Min Balance $1,000 Details Term: 60 Month Variable Rate Certificate 1; 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Savings Rates

Product	Rate	APY
Accelerate It Savings	4.89%	5.00%
Min Balance $5 Details Accelerate It Savings2: 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. 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. 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Accelerate It Savings	-	5.00%
Min Deposit $5 Min Balance $100 Details Balance: $100.00 - $5,000.99; Balances $5,001.00 and above will receive APY of .20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Earn & Learn Savings	2.96%	3.00%
Min Balance $5 Details Earn & Learn Savings3: 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%. Rate offers accurate as of 02/13/2026. 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business Savings	0.30%	0.30%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Financial Youth Group Savings	0.20%	0.20%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Holiday Savings	0.20%	0.20%
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Junior Account Savings	0.20%	0.20%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Multiple Savings	0.20%	0.20%
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Regular Savings	0.20%	0.20%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Young Adult Financial Group Savings	0.20%	0.20%
Min Balance $5 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	3.44%	3.50%
Min Balance $100,000 Details Balance: $100,000 & above; New money only Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Select Money Market (IRA)	3.44%	3.50%
Min Balance $100,000 Details New money only; Balance: $100,000 & above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business Money Market Account	1.75%	1.77%
Min Balance $250,000 Details Balance: $250,000 & above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business Money Market Account	1.65%	1.66%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Money Market Account	1.65%	1.66%
Min Balance $250,000 Details Balance: $250,000 & above Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business Money Market Account	1.55%	1.56%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Money Market Account	1.55%	1.56%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Money Market Account	1.50%	1.51%
Min Balance $1,000 Details Balance: $1,000 - $99,999 (avg.); Based on average daily balance Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Money Market Account	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Select Money Market (IRA)	1.50%	1.51%
Min Balance $1,000 Details Based on average daily balance; Balance: $1,000 - $99,999 (avg.) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Business Money Market Account	1.45%	1.46%
Min Balance $1,000 Details Balance: $1,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Money Market Account	1.35%	1.36%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Money Market Account	1.20%	1.21%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Money Market Account	1.15%	1.16%
Min Balance $1,000 Details Balance: Min. $1,000 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Checking Rates

Product	Rate	APY
High Interest Checking	-	4.00%
Min Balance $5 Details Balance: $5 per month (if balance is under $1000); Qualifications Required: 15 debit card purchases that post and settle your account; One ACH credit or direct deposit post to your account; Be enrolled in eStatements.; Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
High Interest Checking	-	0.20%
Min Balance $25,000 Details Qualifications Required: 15 debit card purchases that post and settle your account; One ACH credit or direct deposit post to your account; Be enrolled in eStatements.; Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6mo ARM	5.75%	-	7.03%	5/6mo ARM
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
15-Year Fixed Rate Mortgage	6.75%	-	7.13%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
7/6mo ARM FTHB	6.25%	-	7.16%	7/6mo ARM
Details FTHB = First-Time Home Buyers Special terms available for First-Time Home Buyers, member eligibility required. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
30-Year Fixed Rate Mortgage	7.25%	-	7.55%	30 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC) Interest Only	4.99%	-	5.03%	10 years
Details Term: 10-year draw and 15-year repayment period; Introductory rate applicable for first 6 (six) months following open date. After introductory period, APR is based on the Prime Rate, or Prime Rate plus a margin bases on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00%APR, Cap = 15.0%APR. 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. All loans subject to approval; membership eligibility required. Equity limits and underwriting requirements vary by state. Rates, terms, and conditions Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.64%	Up to 63 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Used Auto	-	-	4.99%	Up to 63 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
New Auto	-	-	5.14%	Up to 75 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Used Auto	-	-	5.49%	Up to 75 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Used Auto (2018 or older)	-	-	5.99%	Up to 60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Value Plus Auto	-	-	5.99%	Up to 60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
New Auto	-	-	6.14%	Up to 84 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Used Auto	-	-	6.49%	Up to 84 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Value Plus Auto	-	-	6.49%	61-72 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats Loan	-	8.14%	36-60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Motorcycle Loan	-	8.14%	36 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Motorcycle Loan	-	8.14%	48 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
New/Used RV Loan	-	8.14%	36-60 Months
Details Minimum loan for 75 month term is $15,000: for 84 month term is $25,000. Term and rates on secured loans are dependent upon the age of the security and mileage on the collateral. Some restrictions may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Boats Loan	-	9.14%	120 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Motorcycle Loan	-	9.14%	60 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
New/Used RV Loan	-	9.14%	120 Months
Details Minimum loan for 75 month term is $15,000: for 84 month term is $25,000. Term and rates on secured loans are dependent upon the age of the security and mileage on the collateral. Some restrictions may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Boats Loan	-	10.14%	144 Months
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
New/Used RV Loan	-	10.14%	144 Months
Details Minimum loan for 75 month term is $15,000: for 84 month term is $25,000. Term and rates on secured loans are dependent upon the age of the security and mileage on the collateral. Some restrictions may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Credit Card Rates

Product	Rate	APR
Preferred Platinum Visa	-	10.40%
Details Regular APR: 10.40% to 20.40%; APR for Balance Transfers: 10.40% to 20.40%; APR for Cash Advances: 25.00%; Balance Transfer Fee: 3.00% of the amount of each balance transfer; Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater; Foreign Transaction Fee: 2.00% of each transaction in U.S. dollars; Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment; Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less; Pay-by-Phone Fee: $10.00; Rush Fee: Up to $30.00; Statement Copy Fee: $2.00 per document. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
CITY SC Visa Credit Card	-	12.40%
Details Regular APR: 12.40% to 22.40%; APR for Balance Transfers: 12.40% to 22.40%; APR for Cash Advances: 25.00%; Balance Transfer Fee: 3.00% of the amount of each balance transfer; Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater; Foreign Transaction Fee: 2.00% of each transaction in U.S. dollars; Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment; Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less; Pay-by-Phone Fee: $10.00; Rush Fee: Up to $30.00; Statement Copy Fee: $2.00 per document. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Visa Signature	-	14.75%
Details Intro APR: 0.00%; Intro rate expires: 12 months; Regular APR: 14.75% to 24.75%; APR for Balance Transfers: 0.00% Introductory APR for 12 months from account opening. After that, your APR will be 14.75% to 24.75%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate; APR for Cash Advances: 25.00%; Balance Transfer Fee: 3.00% of the amount of each balance transfer; Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater; No Foreign Transaction Fee; Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment; Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less; Pay-by-Phone Fee: $10.00; Rush Fee: Up to $30.00; Statement Copy Fee: $2.00 per document; Credit lines starting at $10,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Secured Visa	-	14.90%
Details APR for Balance Transfers: 14.90%; APR for Cash Advances: 18.90%; No Balance Transfer Fee; Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater; No Foreign Transaction Fee; Late Payment Fee: $5.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment; Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less; Pay-by-Phone Fee: $10.00; Minimum $500 limit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Signature	14.75%
Details Intro APR: 0.00%; Intro rate expires: 12 months; Regular APR: 14.75% to 24.75%; APR for Balance Transfers: 0.00% Introductory APR for 12 months from account opening. After that, your APR will be 14.75% to 24.75%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate; APR for Cash Advances: 25.00%; Balance Transfer Fee: 3.00% of the amount of each balance transfer; Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater; No Foreign Transaction Fee; Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment; Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less; Pay-by-Phone Fee: $10.00; Rush Fee: Up to $30.00; Statement Copy Fee: $2.00 per document; Credit lines starting at $10,000. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

Together Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Any Reason Any Season Loan	-	-	10.49%	Up to 72 Months
Details Published APR range: 10.49%-10.99%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%
Lines of Credit Loan	-	-	13.65%	Revolving
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.32%

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.
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Financial Health History

Together Credit Union’s Texas Ratio rose from 3.44% in Q2 2023 to 5.32% in Q1 2026, so its financial health has held steady at a healthy level 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
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+
June 30, 2023	$2.5B	3.44%	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 3805 Union Rd, Saint Louis, MO 63125-4320

Phone 314-771-7700

Fax 314-771-3540

President Brock Tuffli

CEO Robert McKay

Full-Time Employees 425

Part-Time Employees 5

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+ (97/100)

Texas Ratio

5.32%

Return on Assets (ROA)

0.0693%

Return on Equity (ROE)

0.7411%

Non-Performing Loans Ratio (NPL)

0.67%

Total Assets

2,722,399,325

Total Amount of Shares and Deposits

2,343,974,415

Total Shares and Deposits < 1 Year

2,278,486,459

Total Shares and Deposits 1 3 Years

53,913,838

Total Shares and Deposits > 3 Years

11,574,118

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

180,379,251

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

180,379,251

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

2,163,595,164

Total Interest Expense (Sum of items 6 8)

11,774,609

Share Certificates

15,939

Number of Accounts for Share Drafts

95,846

IRA KEOGH Accounts

4,504

Number of Accounts for Regular Shares

178,375

All other shares

2,952

Money Market Shares

23,104

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)

177,961,457

Total Liabilities

2,485,174,030

Source: NCUA — Last Updated 03/31/2026

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

12-Month CD3.55%
18-Month CD3.25%
24-Month CD3.25%
60-Month CD3.10%
Savings0.20%
MMA1.16%

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

Compare to Other Credit Unions

Together Credit Union Rates & Review September 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 Savings Rates

Together Credit Union 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 Credit Card Rates

Together Credit Union Personal Loan Rates

Together Credit Union Other 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

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