Credit union · NCUA insured
Together Credit Union
A $2.7B credit union, the 189th largest of 4,329, headquartered in St. Louis, MO, with 147,485 members and 26 branches in 10 states. Best rates: CDs 4.50% and savings 1.21% APY.
Together Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#26 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Together Credit Union
Together Credit Union is headquartered in St. Louis, Missouri.
- Headquarters
- 423 Lynch St, St. Louis, MO 63118-1902
- NCUA charter
- 62715
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Madison County or St. Clair County in Illinois are eligible to join.
- Individuals who live or work in St. Louis City, St. Louis County, St. Charles County, or Jefferson County in Missouri are eligible to join.
- Individuals who live or work in the Dallas, Texas Metro area within 10 miles of Cedar Hill, TX, or specified zip codes are eligible to join.
- Individuals who live or work in the Williamsburg, Virginia area (including Williamsburg, Newport, and New Hampton) are eligible to join.
Employers and groups
- Employees and retirees of partner Select Employer Groups (SEGs) are eligible to join.
Family and household
- Immediate family members and household members of current Together Credit Union members are eligible to join.
1 more way to join
Other ways
- Entities with a physical location in served communities or owned by a current member are eligible to join.
Cost to join
- A initial minimum savings deposit of $5 is required to establish membership.
Branches
26 branches in 10 states
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Missouri
13 branches
- 423 LynchMain office423 Lynch St, St. Louis, MO 63118Directions
- Jeffco1334 Jeffco Blvd, Arnold, MO 63010Directions
- Fenton304 Summit RD, Fenton, MO 63026Directions
- Florissant1075 N HIGHWAY 67 St, Florissant, MO 63031Directions
- O'Fallon2531 Highway K, O'Fallon, MO 63368Directions
- Barrett Station Road2175 Barrett Station Rd, St. Louis, MO 63131Directions
- Crestwood9895 Watson Rd, St. Louis, MO 63126Directions
- Creve Coeur12395 Olive Blvd, St. Louis, MO 63141Directions
- Purina901 Chouteau Ave, St. Louis, MO 63102Directions
- South County3805 Union Rd, St. Louis, MO 63125Directions
- St. Louis Hills6600 Chippewa St, St. Louis, MO 63109Directions
- Tesson Ferry12988 Tesson Ferry Rd, St. Louis, MO 63128Directions
- St. Peters1770 Woodstone Dr, St. Peters, MO 63376Directions
Florida
3 branches
Jacksonville area · 1
- Jacksonville155 Busch Dr, Jacksonville, FL 32218Directions
Orlando area · 1
- Orlando7007 Sea World Dr, Orlando, FL 32821Directions
Tampa area · 1
- Tampa3209 E Busch Blvd, Tampa, FL 33612Directions
California
2 branches
Vallejo area · 1
- Fairfield370 Chadbourne Rd Ste E, Fairfield, CA 94534Directions
Los Angeles area · 1
- Los Angeles15804 Roscoe Blvd, Van Nuys, CA 91406Directions
Texas
2 branches
Dallas area · 1
- Cedar Hill725 E Belt Line Rd, Cedar Hill, TX 75104Directions
Houston area · 1
- Houston775 Gellhorn Dr, Houston, TX 77029Directions
Colorado
1 branch
- Ft. Collins1520 E Mulberry St, Ste 100, Fort Collins, CO 80524Directions
Georgia
1 branch
- Cartersville100 Busch Dr NE, Cartersville, GA 30121Directions
Illinois
1 branch
- Shiloh1153 Blue Spring Plz, Shiloh, IL 62269Directions
New York
1 branch
- Baldwinsville2885 Belgium Rd, Baldwinsville, NY 13027Directions
Ohio
1 branch
- Columbus690 Schrock Rd, Columbus, OH 43229Directions
Virginia
1 branch
- Williamsburg243 Mclaws Cir Ste 100, Williamsburg, VA 23185Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.66% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.54% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.82% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalNet worth ratio9.66%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.54%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.82%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Together Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.