Credit union · NCUA insured
Together Credit Union Savings Rates
Together Credit Union’s best savings rate is 1.21% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Together Credit Union’s savings 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
1.21%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $121
Money Market Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
Together Credit Union savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.16%
- $10,000 balance$10,0001.21%
- $100,000 balance$100,0003.75%
- QualifiedQualified1.21%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Accelerate It Savings
0.20%APY
Must be 19 years of age or older (or 22 years or older per rates disclosure) and have an open checking account located under the same membership number; converts to Regular Savings if checking account is closed. One account per SSN or TIN. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,001Requires open checking account under the same membership number. $100 average daily balance required for dividend/interest rate. | 5.00% | — | Requires open checking account under the same membership number. $100 average daily balance required for dividend/interest rate. |
| $5,001 and upBalances $5,001.00 and above. | 0.20% | $20 | Balances $5,001.00 and above. |
Sources (3)
- togethercu.org/accounts/Savings/accelerate-it-savings
- togethercu.org/rates
- togethercu.org/docs/default-so…t-deposit-rate-sheet.pdf
All captured Oct 5, 2026
Select Money Market
1.51%APY
Minimum opening new money deposit is $100,000. New Money is defined as funds not currently on deposit with Together Credit Union and not on deposit within the 30 days prior. APY is variable. Interest is calculated using the daily balance method, compounded daily and credited monthly. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $99,999Based on average daily balance for balances below $100,000 ($1,000 – $99,999 avg.). | 1.51% | $151 | Based on average daily balance for balances below $100,000 ($1,000 – $99,999 avg.). |
| $100,000 and upNew money only. Minimum opening new money deposit is $100,000. | 3.75% | — | New money only. Minimum opening new money deposit is $100,000. |
Money Market Account
1.21%APY
Interest compounds daily on balances of $1,000 or more and pays monthly. No monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $9,999Interest is calculated using daily balance method, compounded daily, credited monthly. Rate applies to minimum $1,000 to $9,999. | 1.16% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. Rate applies to minimum $1,000 to $9,999. |
| $10,000 – $24,999Interest is calculated using daily balance method, compounded daily, credited monthly. | 1.21% | $121 | Interest is calculated using daily balance method, compounded daily, credited monthly. |
| $25,000 – $49,999Interest is calculated using daily balance method, compounded daily, credited monthly. | 1.36% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. |
| $50,000 – $99,999Interest is calculated using daily balance method, compounded daily, credited monthly. | 1.51% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. |
| $100,000 – $249,999Interest is calculated using daily balance method, compounded daily, credited monthly. | 1.56% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. |
| $250,000 and upInterest is calculated using daily balance method, compounded daily, credited monthly. | 1.66% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. |
Eagle Advantage Savings
0.20%APY
Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $5 minimum balance and $100 average daily balance for dividend/interest rate.$100 and up | 0.20% | $20 | Requires $5 minimum balance and $100 average daily balance for dividend/interest rate. |
Sources (1)
- togethercu.org/docs/default-so…t-deposit-rate-sheet.pdf · captured Oct 5, 2026
Multiple Savings
0.20%APY
Add-on account for special goals requiring an existing primary membership savings account. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $100 average daily balance for dividend/interest rate. $0 minimum balance requirement.$100 and up | 0.20% | $20 | Requires $100 average daily balance for dividend/interest rate. $0 minimum balance requirement. |
Sources (3)
- togethercu.org/accounts/Savings/holiday-savings
- togethercu.org/rates
- togethercu.org/docs/default-so…t-deposit-rate-sheet.pdf
All captured Oct 5, 2026
Regular Savings
0.20%APY
Primary membership savings account option. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRequires $5 minimum balance and $100 average daily balance for dividend/interest rate.$100 and up | 0.20% | $20 | Requires $5 minimum balance and $100 average daily balance for dividend/interest rate. |
Sources (3)
- togethercu.org/rates
- togethercu.org/accounts/Savings/primary-savings
- togethercu.org/docs/default-so…t-deposit-rate-sheet.pdf
All captured Oct 5, 2026
Special-purpose accounts
Select Money Market (IRA)
1.51%APY
IRA / Tax Advantage Account money market. Minimum opening new money deposit is $100,000. New Money is defined as funds not currently on deposit with Together Credit Union and not on deposit within the 30 days prior. APY is variable. Interest is calculated using the daily balance method, compounded daily and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $99,999Based on average daily balance for balances below $100,000 ($1,000 - $99,999 avg.). | 1.51% | $151 | Based on average daily balance for balances below $100,000 ($1,000 - $99,999 avg.). |
| $100,000 and upNew money only. Minimum opening new money deposit is $100,000. | 3.50% | — | New money only. Minimum opening new money deposit is $100,000. |
Sources (1)
- togethercu.org/rates · captured Oct 5, 2026
Earn and Learn Youth Savings
0.20%APY
Available to members age 18 and younger. Membership eligibility required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Requires $5 average daily balance to earn interest. | 3.00% | — | Requires $5 average daily balance to earn interest. |
| Over $2,500Additional balance over $2,500. | 0.20% | $20 | Additional balance over $2,500. |
Money Market Account (IRA)
1.21%APY
IRA / Tax Advantage Account money market. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $9,999Interest is calculated using daily balance method, compounded daily, credited monthly. Rate applies to Min. $1,000 - $9,999. | 1.16% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. Rate applies to Min. $1,000 - $9,999. |
| $10,000 – $24,999Interest is calculated using daily balance method, compounded daily, credited monthly. | 1.21% | $121 | Interest is calculated using daily balance method, compounded daily, credited monthly. |
| $25,000 – $49,999Interest is calculated using daily balance method, compounded daily, credited monthly. | 1.36% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. |
| $50,000 – $99,999Interest is calculated using daily balance method, compounded daily, credited monthly. | 1.51% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. |
| $100,000 – $249,999Interest is calculated using daily balance method, compounded daily, credited monthly. | 1.56% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. |
| $250,000 and upInterest is calculated using daily balance method, compounded daily, credited monthly. | 1.66% | — | Interest is calculated using daily balance method, compounded daily, credited monthly. |
Sources (1)
- togethercu.org/rates · captured Oct 5, 2026
Financial Youth Group Savings
0.20%APY
Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires $5 minimum balance and $5 average daily balance.$5 and up | 0.20% | $20 | Requires $5 minimum balance and $5 average daily balance. |
Sources (1)
- togethercu.org/rates · captured Oct 5, 2026
Holiday Savings
0.20%APY
Add-on account requiring an existing primary membership savings account. Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires $5 average daily balance for dividend/interest rate. $0 minimum balance requirement.$5 and up | 0.20% | $20 | Requires $5 average daily balance for dividend/interest rate. $0 minimum balance requirement. |
IRA Accumulation (Traditional & Roth)
0.20%APY
Traditional and Roth IRA savings accumulation account. Dividends/interest compounded and paid monthly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires $5 minimum balance and $5 average daily balance for dividend/interest rate.$5 and up | 0.20% | $20 | Requires $5 minimum balance and $5 average daily balance for dividend/interest rate. |
Sources (1)
- togethercu.org/docs/default-so…t-deposit-rate-sheet.pdf · captured Oct 5, 2026
Junior Account Savings
0.20%APY
Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires $5 minimum balance and $5 average daily balance.$5 and up | 0.20% | $20 | Requires $5 minimum balance and $5 average daily balance. |
Sources (1)
- togethercu.org/rates · captured Oct 5, 2026
Young Adult Financial Group Savings
0.20%APY
Membership eligibility required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRequires $5 minimum balance and $5 average daily balance.$5 and up | 0.20% | $20 | Requires $5 minimum balance and $5 average daily balance. |
Sources (1)
- togethercu.org/rates · 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.