Credit union · NCUA insured
Together Credit Union Credit Card Rates
Together Credit Union credit cards start at 10.65% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Together Credit Union’s credit card rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Together Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Together Credit Union
10.65%APR
- Up to
- 20.40% APR
Preferred Platinum Visa Credit Card
Lowest rate
FRB Federal Credit Union
7.50%APR
- Up to
- —
2nd-lowest rate
First Community Credit Union
7.90%APR
- Up to
- 16.90% APR
Together Credit Union credit card score
81
Credit card score
Higher than 54% of U.S. banks and credit unions
- Purchase APRPurchase APR10.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Together Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
CITY SC Visa Credit Card
Membership eligibility required; must maintain at least a $5 balance in savings account. Variable APR based on Prime Rate and creditworthiness. $0 annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.15%–23.15% | None | Annual Percentage Rate (APR) for Purchases: 13.15% to 23.15%, when you open your account, based on your creditworthiness. Variable with market based on Prime Rate. $0 annual fee. |
| Ongoing | 12.65%–22.40% | None | Rates schedule APR for Purchases: 12.65% (table) / 12.40% to 22.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee. |
| Ongoing | 12.40%–22.40% | None | Rates schedule APR for Balance Transfers: 12.40% to 22.40%, when you open your account, based on creditworthiness. Variable with market based on Prime Rate. 3.00% balance transfer fee. $0 annual fee. |
Sources (2)
All captured Oct 5, 2026
Platinum Points Visa Credit Card
Variable APR based on Prime Rate and creditworthiness. $0 annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.15%–23.15% | None | Purchase rates range from 13.15% to 23.15% as of 6/1/2025, based on underwriting. Variable with market based on Prime Rate. $0 annual fee. |
| Ongoing | 13.15%–23.15% | None | APR for Balance Transfers: 13.15% to 23.15%, when you open your account, based on creditworthiness. Variable with market based on Prime Rate. 3.00% balance transfer fee. $0 annual fee. |
| Ongoing | 12.65%–22.40% | None | Rates schedule APR for Purchases: 12.65% (table) / 12.40% to 22.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee. |
| Ongoing | 12.40%–22.40% | None | Rates schedule APR for Balance Transfers: 12.40% to 22.40%, when you open your account, based on creditworthiness. Variable with market based on Prime Rate. 3.00% balance transfer fee. $0 annual fee. |
Sources (2)
All captured Oct 5, 2026
Preferred Platinum Visa Credit Card
Variable APR based on Prime Rate and creditworthiness. $0 annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.15%–21.15% | None | Purchase rates range from 11.15% to 21.15% as of 2/1/2025, based on underwriting. Variable with market based on Prime Rate. $0 annual fee. |
| Ongoing | 11.15%–21.15% | None | APR for Balance Transfers: 11.15% to 21.15%, when you open your account, based on creditworthiness. Variable with market based on Prime Rate. 3.00% balance transfer fee. $0 annual fee. |
| Ongoing | 10.65%–20.40% | None | Rates schedule APR for Purchases: 10.65% (table) / 10.40% to 20.40% (caption), when you open your account, based on creditworthiness. Variable with market based on Prime Rate. $0 annual fee. |
| Ongoing | 10.40%–20.40% | None | Rates schedule APR for Balance Transfers: 10.40% to 20.40%, when you open your account, based on creditworthiness. Variable with market based on Prime Rate. 3.00% balance transfer fee. $0 annual fee. |
Sources (2)
All captured Oct 5, 2026
Secured Platinum Visa Credit Card
Secured credit card to build or rebuild credit. Variable APR based on Prime Rate. $0 annual fee. Minimum $500 limit stated on rates schedule. No foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Purchase rates range from 14.90% as of 6/1/2025, based on underwriting. Variable with market based on Prime Rate. $0 annual fee. No foreign transaction fee. |
| Ongoing | 14.90% | None | APR for Balance Transfers: 14.90%. No annual fee. No balance transfer fee. No foreign transaction fee. |
Sources (2)
All captured Oct 5, 2026
Visa Signature Credit Card
Minimum $10,000 credit limit. Variable APR based on Prime Rate and creditworthiness. $0 annual fee. No foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR for 12 months on all purchases from account opening. Minimum $10,000 limit. $0 annual fee. |
| Ongoing | 15.50%–25.00% | None | After promotional period, purchase rates range from 15.50%-25.00% as of 2/1/2025, based on underwriting. Variable with market based on Prime Rate. Minimum $10,000 limit. $0 annual fee. |
| Ongoing | 15.50%–25.00% | None | After introductory period, APR for Balance Transfers will be 15.50% to 25.00%, based on creditworthiness. Variable with market based on Prime Rate. 3.00% balance transfer fee. $0 annual fee. |
| Ongoing | 15.00%–24.75% | None | Rates schedule post-introductory purchase APR: 15.00% (table) / 14.75% to 24.75% (caption), based on creditworthiness. Variable with market based on Prime Rate. Credit lines starting at $10,000. $0 annual fee. |
| Ongoing | 14.75%–24.75% | None | Rates schedule post-introductory balance transfer APR: 14.75% to 24.75%, based on creditworthiness. Variable with market based on Prime Rate. 3.00% balance transfer fee. $0 annual fee. |
Sources (2)
All captured Oct 5, 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.