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 July 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: July 16, 2026

Together Credit Union's 11 MONTH CD Promotion rates are at 4.00%, 11 Month CD Special rates are at 4.00%, Business 11 Month CD Special rates are at 4.00%, 12 Month CD rates are at 3.55%, Business 12 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 Personal Loan Rates are at 4.99%. Together Credit Union's Credit Card Rates are at 10.74%. 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 5.30%. Rates were last updated on 07/16/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.30%

Excellent Lower than avg

Together Credit Union
423 Lynch

423 Lynch St
Saint Louis, MO 63118 1902

https://www.togethercu.org

Together Credit Union CD Rates

Product	Rate	APY	Term
11 MONTH CD Promotion	-	4.00%	11 months
Min Deposit $1,000 Min Balance $1,000 Details Lock in a competitive rate for a limited time. Special applies to non IRA, IRA, youth account, and business member CDs. APY is not variable for the established term. After maturity CD will renew to current rate for existing 12 month CD term. APY is accurate as of 04/21/2026. For new CDs only, existing terms will not automatically renew into 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 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
11 Month CD Special	3.93%	4.00%
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. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 11 Month CD Special	3.93%	4.00%	11 Month
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. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
12 Month Certificate	3.49%	3.55%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 12 Month Certificate	3.49%	3.55%	12 Month
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
6 Month Certificate	3.45%	3.50%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
9 Month Certificate	3.45%	3.50%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 6 Month Certificate	3.45%	3.50%	6 Month
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 9 Month Certificate	3.45%	3.50%	9 Month
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
18 Month Certificate	3.20%	3.25%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
24 Month Certificate	3.20%	3.25%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
36 Month Certificate	3.20%	3.25%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
48 Month Certificate	3.20%	3.25%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
60 Month Certificate	3.20%	3.25%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 18 Month Certificate	3.20%	3.25%	18 Month
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 24 Month Certificate	3.20%	3.25%	24 Month
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 36 Month Certificate	3.20%	3.25%	36 Month
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 48 Month Certificate	3.20%	3.25%	48 Month
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 60 Month Certificate	3.20%	3.25%	60 Month
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
36 Month Variable Rate Certificate	3.06%	3.10%
Min Balance $1,000 Details 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 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
60 Month Variable Rate Certificate	3.06%	3.10%
Min Balance $1,000 Details 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 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 36 Month Variable Rate Certificate	3.06%	3.10%	36 Month
Min Balance $1,000 Details 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). Rate may increase or decrease, but will never be lower than rate earned on issue date. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business 60 Month Variable Rate Certificate	3.06%	3.10%	60 Month
Min Balance $1,000 Details 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 (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%

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%. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Savings	-	5.00%
Details 2 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Earn & Learn Savings	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%. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business Savings	0.30%	0.30%
Min Balance $100 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Financial Youth Group Savings	0.20%	0.20%
Min Balance $5 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Holiday Savings	0.20%	0.20%
Min Balance $5 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Junior Account Savings	0.20%	0.20%
Min Balance $5 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Multiple Savings	0.20%	0.20%
Min Balance $100 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Regular Savings	0.20%	0.20%
Min Balance $100 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Young Adult Financial Group Savings	0.20%	0.20%
Min Balance $5 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%

Together Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	3.44%	3.50%
Min Balance $100,000 Details New money only Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Select Money Market (IRA)	3.44%	3.50%
Min Balance $100,000 Details New money only Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Money Market Account	1.65%	1.66%
Min Balance $250,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Money Market Account	1.55%	1.56%
Min Balance $100,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Money Market Account	1.50%	1.51%
Min Balance $50,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Select Money Market (IRA)	1.50%	1.51%
Min Balance $1,000 Details Based on average daily balance Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Money Market Account	1.35%	1.36%
Min Balance $25,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Money Market Account	1.20%	1.21%
Min Balance $10,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Money Market Account	1.15%	1.16%
Min Balance $1,000 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%

Together Credit Union Checking Rates

Product	Rate	APY	View More
High Interest Checking	3.93%	4.00%
Min Balance $5 Details Qualifications Required; Intro rate expires: 02/03/2026; Regular APR: 0.20%; Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%

Together Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	5.03%
Details As low as 2 Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%

Together Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%
Details As low as Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%

Together Credit Union Credit Card Rates

Product	Rate	APR
Visa Signature	-	0.00%
Details 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% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
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%; This APR will vary with the market based on the Prime Rate. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business Visa (purchase & balance transfers)	-	10.74%
Details 1 Rates may vary with the market based on the Prime Rate quoted in the Wall Street Journal. The 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 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
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%; This APR will vary with the market based on the Prime Rate. Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Business Visa (cash advances)	-	12.74%
Details 1 Rates may vary with the market based on the Prime Rate quoted in the Wall Street Journal. The 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 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%
Secured Visa	-	14.90%
Details APR for Balance Transfers: 14.90%; APR for Cash Advances: 18.90% Last Updated 07/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.30%

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.

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 Beth Rickmann

CEO Robert McKay

Full-Time Employees 423

Part-Time Employees 6

Branch Locations 26

ATM Locations 31

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

5.30%

Return on Assets (ROA)

0.3653%

Return on Equity (ROE)

3.8349%

Non-Performing Loans Ratio (NPL)

0.67%

Total Assets

2,641,033,103

Total Amount of Shares and Deposits

2,251,099,673

Total Shares and Deposits < 1 Year

2,165,675,141

Total Shares and Deposits 1 3 Years

74,019,262

Total Shares and Deposits > 3 Years

11,405,270

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

172,033,572

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

172,033,572

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

2,079,066,101

Total Interest Expense (Sum of items 6 8)

44,107,061

Share Certificates

15,455

Number of Accounts for Share Drafts

94,616

IRA KEOGH Accounts

4,625

Number of Accounts for Regular Shares

188,326

All other shares

2,974

Money Market Shares

22,947

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

154,248,532

Total Liabilities

2,411,692,168

Source: NCUA — Last Updated 09/30/2025

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☆☆☆☆☆

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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.