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%

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Together Credit Union

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Together Credit Union Rates & Review October 2026

Q: How many branches does Together Credit Union operate?

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

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

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

Q: Is there a first-time homebuyer program?

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

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Together Credit Union's top rates as of October 13, 2026 are 4.50% APY on its 11 Month CD Special, 5.00% APY on savings, 3.75% APY on money market accounts, 4.00% APY on checking, 6.00% on its 5/6mo ARM mortgage, personal loans from 15.00% APR, and credit cards from 10.65% APR, according to rates verified by MonitorBankRates. Other Together Credit Union CD rates include Business 11 Month CD Special at 4.50%, Member Merits (Gold) 12 Month CD at 3.60%, and 12 Month CD at 3.55%. Other Together Credit Union mortgage rates include 7/6mo ARM FTHB at 6.50%, Fixed Mortgage 15-Year at 6.88%, and Jumbo 15-Year Loan at 6.88%. MonitorBankRates evaluates the financial stability of Together Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.25%. Rates last updated and verified on 10/13/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Together Credit Union
423 Lynch

423 Lynch St
Saint Louis, MO 63118-1902

https://www.togethercu.org

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

Together Credit Union CD Rates

Product	Rate	APY	Term
11 Month CD Special	4.41%	4.50%	11 months
Min Balance $1,000 Details Special available starting 09/22/2026; APR 4.41%; applies to non-IRA, IRA, youth account and business member CDs; minimum $500 for youth account CDs; Member Merits rate bonus does not apply; cannot be combined with other promotional offers; Balance: $1,000 minimum Last Updated 10/13/2026 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%
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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY 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 10/13/2026 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%
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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY 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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.55% APY 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 10/13/2026 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 10/13/2026 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%
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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY 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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY 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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY 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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY 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 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY 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 10/13/2026 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 10/13/2026 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 10/13/2026 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 10/13/2026 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 10/13/2026 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%
Member Merits (Gold) 36 Month Variable Rate Certificate	3.11%	3.15%	36 Month
Min Balance $1,000 Details Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY 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 Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY 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 Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum Last Updated 10/13/2026 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 Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum Last Updated 10/13/2026 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 months
Min Balance $1,000 Details Special 11 Month 4.50% APY (4.41% APR) available starting 09/22/2026; applies to non-IRA, IRA, youth account, and business member CDs; eligible for new 11 month CDs only; cannot be combined with other promotional offers; Member Merits rate bonus does not apply; not variable for the established term Last Updated 10/13/2026 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 months
Min Balance $1,000 Details Dividend Rate column for Business Certificate of Deposit (CD) Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 6 Month Certificate	3.45%	3.50%	6 months
Min Balance $1,000 Details Dividend Rate column for Business Certificate of Deposit (CD) Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 9 Month Certificate	3.45%	3.50%	9 months
Min Balance $1,000 Details Dividend Rate column for Business Certificate of Deposit (CD) Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 18 Month Certificate	3.20%	3.25%	18 months
Min Balance $1,000 Details Dividend Rate column for Business Certificate of Deposit (CD) Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 24 Month Certificate	3.20%	3.25%	24 months
Min Balance $1,000 Details Dividend Rate column for Business Certificate of Deposit (CD) Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 36 Month Certificate	3.20%	3.25%	36 months
Min Balance $1,000 Details Dividend Rate column for Business Certificate of Deposit (CD) Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 48 Month Certificate	3.20%	3.25%	48 months
Min Balance $1,000 Details Dividend Rate column for Business Certificate of Deposit (CD) Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business 60 Month Certificate	3.20%	3.25%	60 months
Min Balance $1,000 Details Dividend Rate column for Business Certificate of Deposit (CD) Rates Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 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 months
Min Balance $1,000 Details Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .10% for 36 months; rate will never be lower than rate earned on issue date Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 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 months
Min Balance $1,000 Details Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .25% for 60 months; rate will never be lower than rate earned on issue date Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 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 earns APY 5.00%; Balances $5,001.00 and above earn APY 0.20%; Requires open checking account under same membership number; Must be 22 or older; One per Social Security or Taxpayer Identification Number; Minimum Balance/Average Daily Balance: $5/$100 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 5.00% APY · checked 3 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; Qualifying balance up to $5,000.99; Requires an open checking account under the same membership number; Members 19 years of age or older; Balances $5,001.00 and above earn 0.20% APY Last Updated 10/13/2026 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 Earn and Learn available to members up through age 18; APY dividend of 2.96% on balances $5.00-$2,500.00; Balances over $2,500.00 earn APY 0.20%; Minimum Balance/Average Daily Balance: $5/$5 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Earn & Learn Savings	-	3.00%
Min Balance $5 Details Balance: $5.00 - $1,000.00; Special rates for members age 0-21; Balances over $1,000.00 earn 0.20% APY Last Updated 10/13/2026 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 10/13/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 4 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 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 10/13/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 4 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 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 10/13/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 3 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 10/13/2026 Rate History No change since Sep 22, 2026 · 0.20% APY · checked 4 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	0.30%	0.30%
Min Balance $5 Details Min. Balance/Average Daily Balance: $5/$100 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 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 10/13/2026 Rate History 1 change since Oct 5, 2026 · 1.51% → 3.75% ▲ 2.24 pts · high 3.75% / low 1.51% Oct 9, 20263.75%▲ from 1.51% Oct 5, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Select Money Market	3.44%	3.50%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 and over; New money only; Minimum opening new money deposit is $100,000; Money Market Account interest is compounded daily and paid monthly Last Updated 10/13/2026 Rate History 2 changes since Oct 5, 2026 · 1.51% → 3.50% ▲ 1.99 pts · high 3.75% / low 1.51% Oct 13, 20263.50%▼ from 3.75% Oct 9, 20263.75%▲ from 1.51% Oct 5, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.65%	1.66%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.55%	1.56%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.50%	1.51%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 5 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 10/13/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.35%	1.36%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.20%	1.21%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Money Market Account	1.15%	1.16%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.16% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	1.75%	1.77%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.65%	1.66%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.55%	1.56%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Money Market Account	1.45%	1.46%
Min Balance $1,000 Details Balance: $1,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Checking Rates

Product	Rate	APY	View More
High Interest Checking	-	4.00%
Details Qualifications Required; Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn standard APY (0.20%); $5.00 monthly fee applies if ADB falls below $1,000; Membership eligibility required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/6mo ARM	6.00%	-	6.254%
Details Adjustable Rate Mortgage Last Updated 10/13/2026 Rate History 1 change since Oct 2, 2026 · 7.03% → 6.25% ▼ 0.77 pts · high 7.03% / low 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%
7/6mo ARM FTHB	6.50%	-	7.163%
Details Adjustable Rate Mortgage; special terms for First-Time Home Buyers, member eligibility required Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 7.16% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fixed Mortgage 15-Year	6.875%	-	7.199%	15-Year
Details Home Loan Options - Fixed Mortgage Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 6.90% → 7.20% ▲ 0.30 pts · high 7.45% / low 6.90% Oct 9, 20267.20%▼ from 7.45% Oct 5, 20267.45%▲ from 7.33% Sep 29, 20267.33%▲ from 7.13% Sep 22, 20267.13%▲ from 6.90% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Jumbo 15-Year Loan	6.875%	-	7.232%	15-Year
Details Jumbo Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.83% → 7.23% ▲ 0.40 pts · high 7.23% / low 6.83% Oct 13, 20267.23%▲ from 6.83% Sep 14, 20266.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Jumbo 30-Year Loan	7.50%	-	7.626%	30-Year
Details Jumbo Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Fixed Mortgage 30-Year	7.50%	-	7.707%	30-Year
Details Home Loan Options - Fixed Mortgage Last Updated 10/13/2026 Rate History 4 changes since Sep 14, 2026 · 7.27% → 7.71% ▲ 0.44 pts · high 7.83% / low 7.27% Oct 9, 20267.71%▼ from 7.83% Oct 5, 20267.83%▲ from 7.71% Sep 29, 20267.71%▲ from 7.55% Sep 22, 20267.55%▲ from 7.27% 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	8.375%	-	8.422%	15-Year
Details Home Equity Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.42% APR 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 Rates Last Updated 10/13/2026 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	-	-	5.34%	Up to 63 Months
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.34% ▲ 0.35 pts · high 5.34% / low 4.99% Oct 5, 20265.34%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New Auto	-	-	5.49%	Up to 75 Months
Details Auto Loan Rates Last Updated 10/13/2026 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	-	-	5.84%	Up to 75 Months
Details Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.84% ▲ 0.35 pts · high 5.84% / low 5.49% Oct 5, 20265.84%▲ from 5.49% Sep 14, 20265.49%first recorded 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 10/13/2026 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 10/13/2026 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 Rates Last Updated 10/13/2026 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	-	-	6.84%	Up to 84 Months
Details Minimum loan for 84 month term is $25,000; term and rates on secured loans depend on age of security and mileage Last Updated 10/13/2026 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%
Value Plus Auto	-	-	6.84%	61-72 Months
No additional details. Last Updated 10/13/2026 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
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Motorcycle Loan	-	8.14%	48 Months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 8.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New/Used RV - 36-60 Months Loan	-	8.14%	36-60 months
Details Rates based on loan underwriting factors and may be higher based on individual underwriting Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Motorcycle Loan	-	9.14%	60 Months
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New/Used RV - 120 Months Loan	-	9.14%	120 Months
Details Rates based on loan underwriting factors and may be higher based on individual underwriting Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
New/Used RV - 144 Months Loan	-	10.14%	144 Months
Details Rates based on loan underwriting factors and may be higher based on individual underwriting Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Credit Card Rates

Product	Rate	APR
Preferred Platinum Credit Card	-	10.65%
Details APR for Purchases and Balance Transfers: 10.40% to 20.40% based on creditworthiness; APR for Cash Advances: 25.00%; No Annual Fee; Balance Transfer Fee 3.00% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 10.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
CITY SC Visa	-	12.65%
Details APR for Purchases and Balance Transfers: 12.40% to 22.40% based on creditworthiness; APR for Cash Advances: 25.00%; No Annual Fee; Balance Transfer Fee 3.00% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 12.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Visa Signature	-	15.00%
Details 0.00% Introductory APR for Purchases and Balance Transfers for 12 months from account opening, then 14.75% to 24.75% based on creditworthiness; APR for Cash Advances: 25.00%; Credit lines starting at $10,000; No Annual Fee; No Foreign Transaction Fee Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Sep 29, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Together Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Signature	15.00%
Details 0.00% Introductory APR for Purchases and Balance Transfers for 12 months from account opening, then 14.75% to 24.75% based on creditworthiness; APR for Cash Advances: 25.00%; Credit lines starting at $10,000; No Annual Fee; No Foreign Transaction Fee Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75% Sep 29, 202615.00%▲ from 14.75% Sep 14, 202614.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

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%. Personal Loan Rates; *APR = Annual Percentage Rate; best rates, subject to underwriting Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Lines of Credit Loan	-	-	13.65%	Revolving
Details Personal Loan Rates; *APR = Annual Percentage Rate; best rates, subject to underwriting Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.65% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	3.49%	-	3.55%
Min Balance $1,000 Details Term not printed in table; Min/Avg Daily Balance $1,000; variable rate IRA certificate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	4.41%	-	4.50%
Min Balance $1,000 Details Term not printed in table; Min/Avg Daily Balance $1,000; variable rate IRA certificate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	3.54%	-	3.60%
Min Balance $1,000 Details Term not printed in table; Min/Avg Daily Balance $1,000; variable rate IRA certificate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	3.25%	-	3.30%
Min Balance $1,000 Details Term not printed in table; Min/Avg Daily Balance $1,000; variable rate IRA certificate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Certificate of Deposit (IRA)	3.11%	-	3.15%
Min Balance $1,000 Details Term not printed in table; Min/Avg Daily Balance $1,000; variable rate IRA certificate Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.15% APY · 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.
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Financial Health History

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

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

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

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

Methodology & Data Sources

MonitorBankRates Star Rating

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

Texas Ratio

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

Rate Data Aggregation

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

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

Credit Union Profile & Overview

Credit Union Name Together Credit Union

Website https://www.togethercu.org

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

Phone 314-771-7700

Fax 314-771-3540

President Brock Tuffli

CEO Robert McKay

Full-Time Employees 423

Part-Time Employees 6

Branch Locations 26

ATM Locations 27

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.25%

Return on Assets (ROA)

0.4031%

Return on Equity (ROE)

4.1713%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

2,730,153,511

Total Amount of Shares and Deposits

2,349,670,471

Total Shares and Deposits < 1 Year

2,283,220,576

Total Shares and Deposits 1 3 Years

52,748,028

Total Shares and Deposits > 3 Years

13,701,867

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

180,699,179

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

180,699,179

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

2,168,971,292

Total Interest Expense (Sum of items 6 8)

23,534,730

Share Certificates

16,340

Number of Accounts for Share Drafts

96,715

IRA KEOGH Accounts

4,424

Number of Accounts for Regular Shares

178,998

All other shares

2,927

Money Market Shares

23,326

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

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

132,003,308

Total Liabilities

2,484,610,323

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Together Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Together Credit Union

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%
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 October 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 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