Credit union · NCUA insured
Together Credit Union CD Rates
Together Credit Union’s best CD rate is 4.50% APY on an 11-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Together Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Together Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Certificate of Deposit (CD)
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Together Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo3.25%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Together Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Member Merits (Gold) Certificate of Deposit
Up to 3.60%APY · 8 terms
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 average daily balance. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 9 months | 3.55% | $265 |
| 12 months | 3.60% | $360 |
| 18 months | 3.30% | $499 |
| 24 months | 3.30% | $671 |
| 36 months | 3.30% | $1,023 |
| 36 monthsVariable rate certificate. Rate may change twice during term (adjusts at 12 and 24 months to current rate for like fixed rate certificate term less 0.10% margin). Rate will never be lower than opening rate | 3.15% | $975 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.30% | $1,763 |
| 60 monthsVariable rate certificate. Rate may change twice during term (adjusts at 20 and 40 months to current rate for like fixed rate certificate term less 0.25% margin). Rate will never be lower than opening rate | 3.15% | $1,677 |
Sources (1)
- togethercu.org/rates · captured Sep 24, 2026
Special-purpose accounts
Certificate of Deposit (CD)
Up to 4.50%APY · 9 terms
Minimum deposit of $1,000, or $500 for qualifying members age 21 and younger. Interest is paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.50% | $173 |
| 9 months | 3.50% | $261 |
| 11 monthsSpecial 11 Month CD available starting 09/22/2026. APY is accurate as of 09/22/2026. Eligible for new 11 month CDs, existing CDs will not automatically renew or rollover into the special. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews at maturity to current rate for 12 month CD term. Minimum $1,000 balance required ($500 for youth accounts) | 4.50% | $412 |
| 12 months | 3.55% | $355 |
| 18 months | 3.25% | $491 |
| 24 months | 3.25% | $661 |
| 36 months | 3.25% | $1,007 |
| 36 monthsVariable rate certificate. Rate may change twice during term (adjusts at 12 and 24 months to current rate for like fixed rate certificate term less 0.10% margin). Rate will never be lower than opening rate | 3.10% | $959 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
| 60 monthsVariable rate certificate. Rate may change twice during term (adjusts at 20 and 40 months to current rate for like fixed rate certificate term less 0.25% margin). Rate will never be lower than opening rate | 3.10% | $1,649 |
Sources (3)
- togethercu.org/rates
- togethercu.org/accounts/cds/fixed-rate-cds
- togethercu.org/accounts/cds/variable-rate-cds
All captured Sep 24, 2026
Certificate of Deposit (IRA)
Up to 4.50%APY · 9 terms
Interest and dividends are paid and compounded monthly based on the average daily balance. Variable and Special Rate IRA certificates available only for Traditional IRAs. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 9 months | 3.55% | $265 |
| 11 monthsSpecial 11 Month CD available starting 09/22/2026 for Traditional IRAs. APY accurate as of 09/22/2026. Eligible for new 11 month CDs. Cannot be combined with other promotional offers; Member Merits rate bonus does not apply. Renews to current rate for existing 12 month CD term. Minimum $1,000 balance required | 4.50% | $412 |
| 12 months | 3.60% | $360 |
| 18 months | 3.30% | $499 |
| 24 months | 3.30% | $671 |
| 36 months | 3.30% | $1,023 |
| 36 monthsAvailable only for Traditional IRAs. Variable rate certificate. Rate may change twice during term (adjusts at 12 and 24 months to current rate for like fixed rate certificate term less 0.10% margin). Rate will never be lower than opening rate | 3.15% | $975 |
| 48 months | 3.30% | $1,387 |
| 60 months | 3.30% | $1,763 |
| 60 monthsAvailable only for Traditional IRAs. Variable rate certificate. Rate may change twice during term (adjusts at 20 and 40 months to current rate for like fixed rate certificate term less 0.25% margin). Rate will never be lower than opening rate | 3.15% | $1,677 |
Sources (1)
- togethercu.org/rates · captured Sep 24, 2026
Who can join Together Credit Union
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.
Membership information collected October 4, 2026.