Credit union · NCUA insured
Together Credit Union Carrot Score
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.
Together Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
- CDs86
- Savings88
- Auto loans80
- Credit cards81
Each bar is every U.S. bank and credit union, lowest score to highest. Choose a product to see its rates.
Where Together Credit Union ranks
By Carrot score, in each area where it has branches
- #26 of 79St. Louis, MO-IL metro14
- #47 of 128Los Angeles-Long Beach-Anaheim, CA metro1
- #37 of 115Dallas-Fort Worth-Arlington, TX metro1
- #38 of 107Houston-Pasadena-The Woodlands, TX metro1
- #21 of 60Atlanta-Sandy Springs-Roswell, GA metro1
- #17 of 54Tampa-St. Petersburg-Clearwater, FL metro1
And 17 more areas
- #17 of 47Columbus, OH metro1
- #8 of 37Orlando-Kissimmee-Sanford, FL metro1
- #11 of 35Virginia Beach-Chesapeake-Norfolk, VA-NC metro1
- #11 of 32Syracuse, NY metro1
- #9 of 29Jacksonville, FL metro1
- #4 of 28Fort Collins-Loveland, CO metro1
- #8 of 17Vallejo, CA metro1
- #36 of 160Missouri13
- #58 of 182Florida3
- #104 of 375Texas2
- #83 of 271California2
- #67 of 281Illinois1
- #88 of 267New York1
- #62 of 247Ohio1
- #42 of 136Virginia1
- #22 of 103Colorado1
- #31 of 96Georgia1
Scores run from 60 to 99; 90 and up means rates near the best in the country. Top Carrot marks a score of 87 or more, the top quarter of U.S. banks and credit unions. It’s about rates only, not safety, service or who can join.
By product
How each product scores
How its rates compare with every U.S. bank and credit union. Open a product to see them.
CDs
86top 28% nationally
| Term | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| 3-8 months | 3.50% | 50% | 3.50% | 3.82% | 4.05% |
| 9-15 months | 4.50% | 98% | 3.70% | 4.00% | 4.25% |
| 16-30 months | 3.25% | 45% | 3.35% | 3.85% | 4.20% |
| 31-60 months | 3.25% | 56% | 3.05% | 3.65% | 4.07% |
| Qualified | 4.50% | 95% | 3.85% | 4.15% | 4.35% |
Best rates 77.0 · all terms 69.3 → 73.9 → 86
Savings
88top 20% nationally
| Balance | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| $1,000 | 1.16% | 87% | 0.20% | 0.50% | 1.51% |
| $10,000 | 1.21% | 76% | 0.50% | 1.15% | 2.20% |
| $100,000 | 3.75% | 98% | 1.00% | 2.01% | 2.93% |
| Qualified | 1.21% | 72% | 0.60% | 1.31% | 2.43% |
Best rates 74.1 · all balances 81.9 → 77.2 → 88
Auto loans
80top 47% nationally
| Vehicle | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| New vehicle | 4.99% | 59% | 5.00% | 4.74% | 4.25% |
| Used vehicle | 5.34% | 51% | 5.39% | 4.99% | 4.49% |
Best rates 59.1 · all vehicles 54.9 → 57.4 → 80
Credit cards
81top 46% nationally
| Card | Its rate | Beats | U.S. median | Top 25% atTop 25% | Top 10% at |
|---|---|---|---|---|---|
| Purchase APR | 10.65% | 54% | 10.90% | 9.90% | 8.90% |
Best rates 53.8 · all rates 53.8 → 53.8 → 81
Where the score could improve
- CDs, 16-30 months3.85%3.25% today, higher than 45% of U.S. institutions. 3.85% would reach the top quarter; 4.20% the top 10%.
- CDs, 3-8 months3.82%3.50% today, higher than 50% of U.S. institutions. 3.82% would reach the top quarter; 4.05% the top 10%.
- CDs, 31-60 months3.65%3.25% today, higher than 56% of U.S. institutions. 3.65% would reach the top quarter; 4.07% the top 10%.
- To score in the 90sIts savings already have a rate near the best in the country (3.75% at $100,000); its other savings rates need to rank near the top too, so the weaker ones above matter most.
Scores update as rates change. Institutions can correct a rate we show; payment never changes a score.
Method
How the score works
- Each product gets a standingWe compare its CD, savings, auto loan and credit card rates with every bank and credit union in the U.S. and give each product a standing out of 100. Its best rates count the most. For loans and cards, lower rates rank higher.
- Its two best products set the scoreWe average its two strongest products. Each extra product it publishes adds 1.5 points, so sharing more rates can only help.
- Its rank puts it on the 60–99 scaleWe rank that number against every scored bank and credit union in the country to get a score from 60 to 99. The top quarter earn Top Carrot.
How Together Credit Union got its score
Its products stand at 77.2 for savings, 73.9 for CDs, 57.4 for auto loans and 53.8 for credit cards, out of 100. Its best two, savings and CDs, average 75.6. Publishing four products adds 3.0, for 78.6. That puts it in the top 26% nationally: a Carrot Score of 86.
The fine print: inside each product, its best rates make up 60% of its standing and all its rates the rest. Its best rates are its two best CD terms, its $10,000 and Qualified savings or money market rates, the better of its new and used auto loan rates, and its credit card purchase rate. The Qualified rate is the best $10,000 rate you can get by opening another account or meeting monthly requirements (or the standard rate, if that’s higher). Rates that need monthly activity get half credit for the extra they pay, and rates that need a combined balance count only from that balance. We subtract monthly fees and count an intro rate at what it earns over a full year. Accounts for kids, students, seniors, businesses, IRAs and health savings aren’t scored.