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Together Credit Union is a member-owned, not-for-profit financial institution offering checking, savings, loans, and mortgages with competitive rates and personalized service to its members.
Data compiled from public sources
Together Credit Union operates as a member-owned, not-for-profit financial cooperative serving its members with a focus on building long-term relationships. The organization emphasizes personal connection and accessibility, with features like AudioEye accessibility optimization and online account management through OnlineAccess. Member testimonials indicate a strong track record of service, with some members reporting 35+ years of loyalty.
Together Credit Union offers a comprehensive range of financial products including checking and savings accounts, certificates of deposit (CDs), auto loans, home equity lines of credit, and mortgage loans. As of March 2026, they advertise savings rates up to 5.00% APY, auto loans as low as 4.99% APR, home equity lines of credit at 5.028% APR, and mortgage loans starting at 6.064% APR. They also provide business banking services and maintain a scholarship program for post-secondary education.
The credit union distinguishes itself through member testimonials highlighting service quality, family-like relationships, and consistent reliability over decades. They offer listed services including financial education, appointment scheduling, business banking with dedicated treasury officers, and community impact programs. Their CD promotion allows members to choose terms from 12-60 months at promotional rates.
As a credit union, Together is NCUA-insured rather than FDIC-insured, meaning deposits are federally protected but the institution operates as a cooperative. While the website demonstrates a strong commitment to member service and accessibility, specific information about membership eligibility requirements, fee structures, and the full scope of product offerings is limited to the homepage content provided.
This is state-level context for Credit Unions consumers in Saint Louis, MO. It does not confirm that Together or this specific location is licensed.
State regulator
Missouri Division of Finance
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Together processed 1,823 mortgage applications in 2023, with 72.1% recorded as approved across 30 states.
1,823
Applications
72.1%
Approval Rate
$161K
Avg Loan
30
States Served
Based on 1,823 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Together offers 12 services including Checking accounts, Savings accounts, Certificates of Deposit (CDs) with flexible term selection, Auto loans, Home equity lines of credit, and 7 more.
Together has profile signals associated with Members seeking competitive savings and CD rates with long-term banking relationships, Auto loan borrowers looking for rates below 5% APR, Small business owners needing dedicated business banking and treasury services, Families and individuals with community ties seeking member-owned cooperative banking.
Key strengths: Savings accounts offering up to 5.00% APY, competitive with current market rates; Auto loans available at rates as low as 4.99% APR; Flexible CD terms (12-60 months) with 3.85% APY promotional rate and member choice options. Areas to consider: Limited public information about membership eligibility criteria or restrictions; No details provided about monthly fees, account minimums beyond CD requirements, or overdraft policies.
In the Credit Unions category, comparable providers include Alliance, Arsenal, Bothwell Hospital Employees. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Together Credit Union is profiled for individuals and families seeking a member-owned financial institution with rate claims to verify on savings and loans, combined with a personal relationship-focused approach. The primary caveat is that membership eligibility and specific fee structures are not transparently disclosed on the homepage, requiring direct contact with the credit union to understand full membership requirements and costs.
Alliance Credit Union is a member-owned, not-for-profit financial institution offering auto loans, mortgages, checking/savings accounts, business solutions, and personal loans with rate claims to verify.
Profile signals: Auto loan borrowers seeking flexible terms and local decision-making, First-time homebuyers exploring mortgage options with personalized guidance
Arsenal Credit Union is a St. Louis-based member-owned financial institution offering checking, savings, loans, and investment services to individuals and businesses.
Profile signals: St. Louis area residents seeking community-focused banking with local branch access, Members wanting high-yield checking with Premier Checking's 4.25% APY on moderate balances
Member-owned credit union serving healthcare professionals and Bothwell Regional Health Center employees in Sedalia, Missouri since 1972, offering savings accounts, loans, and financial services.
Profile signals: Healthcare professionals (physicians, nurses, therapists) seeking rate claims to verify on loans and savings, Bothwell Regional Health Center employees and their immediate family members
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