Together Credit Union (MO)


Overview / Commentary
314-771-7700
423 Lynch St
Saint Louis, MO 63118

Together Credit Union (MO) is headquartered in Saint Louis and is the 2nd largest credit union in the state of Missouri. It is also the 177th largest credit union in the nation. It was established in 1939 and as of June of 2022, it had grown to 408 employees and 138,399 members at 27 locations. Together Credit Union (MO)'s money market rates are 24X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Together Credit Union is open to individuals who live or work in the St. Louis, Missouri area (including St. Louis City, St. Louis County, St. Charles County, and Jefferson County); the Illinois counties of Madison or St. Clair; the Dallas, Texas metro area; or the Virginia communities of Hampton, Newport News, or Williamsburg. Employees of more than 25 SEGs (including all Anheuser-Busch Companies and Nestle Purina PetCare Company) also qualify for membership.
See current membership details

Reviews (1)

Do Not Recommend

Posted by: |

I've had the pleasure of co-running a St. Louis business for 6 years now. We've been with Bank of Amercia since our founding, but now that we're doing larger volumns we were looking to switch to a local credit union where we thought the service would be better. I went in to get a checking account at first, and depending how I liked the account, would look into their business services. The experience was miserable. The girl I talked to was horribly untrained and unknowledgable. My address is outside of St. Louis, but my office address and business is run in St. Louis. I kept being informed I had to have a St. Louis address or be an AB employee. This whole time I'm telling her I work in St. Louis and reading to her their own brochure which says as long as you work there you can have an account. She stormed off to get management who then told me I was correct and if I could get documentation proving my work address then I could open up an account.

The entire interaction once I informed her I work in St. Louis should have only consisted of them informing me I needed to have proof of my work address and examples of what that proof may be.

On the plus side the management was nice and well-informed. Hoping this was an isolated incident, but we won't be taking our chances.



Health

Health Grade Components

Overall
NCUA #62715
Year Chartered1939
Employees408
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.47%
Annual Interest Income$37.4MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$2.41B$2.27B
LoansQ2 2022vs Q2 2021$1.86B$1.59B
DepositsQ2 2022vs Q2 2021$2.12B$1.99B
Equity CapitalQ2 2022vs Q2 2021$193.5MM$213.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$10.6MM$15.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$6.1MM$5.0MM
Real Estate OwnedQ2 2022vs Q2 2021$0$88.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Together Credit Union (MO); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Together Credit Union (MO) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$5$1kEarn & Learn Savings
OTHER TIERS: 0.10% $1k+
1.00%--HSA Interest Checking
0.10%$100-Regular Savings
0.10%$5-Holiday Savings
0.10%$100-Multiple Savings
0.10%$5-Junior Account Savings
0.10%$5-Financial Youth Group Savings
0.10%$5-Young Adult Financial Group Savings
0.10%$5-IRA Accumulation
0.10%$100-Eagle Advantage Savings
0.10%$5-Business Savings

Together Credit Union (MO) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
10.40%*$1k*$10kMoney Market Account
OTHER TIERS: 0.40% $10k - $25k | 0.45% $25k - $50k | 0.50% $50k - $100k | 0.55% $100k - $250k | 0.65% $250k+
3.50%*$50k*$100kIRA Money Market Account
OTHER TIERS: 0.40% $1k - $25k | 0.45% $25k - $50k | 0.55% $100k - $250k | 0.65% $250k+
0.65%*$250k*-Business Money Market Account
OTHER TIERS: 0.40% $1k - $50k | 0.45% $50k - $100k | 0.55% $100k - $250k

Together Credit Union (MO) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Interest Checking Plus
0.10%--Eagle Advantage Checking
0.10%--Business Interest Checking

Together Credit Union (MO) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.10%$1k-19 Month CD Special
2.10%$1k-Business 19 Month CD
1.76%$1k-60 Month Member Merits-Gold CD
1.76%$500-60 Month Youth Member Merits-Gold CD
1.71%$1k-60 Month CD
1.71%$1k-60 Month Variable Rate CD
1.71%$500-60 Month Financial Youth Group CD
1.71%$500-60 Month Young Adult Financial Group CD
1.71%$500-60 Month Junior Account Program CD
1.61%$1k-Business 60 Month CD
1.56%$1k-48 Month Member Merits-Gold CD
1.56%$500-48 Month Youth Member Merits-Gold CD
1.51%$1k-48 Month CD
1.51%$500-48 Month Financial Youth Group CD
1.51%$500-48 Month Young Adult Financial Group CD
1.51%$500-48 Month Junior Account Program CD
1.51%$1k-60 Month Member Merits-Gold Variable Rate CD
1.51%$500-60 Month Youth Member Merits-Gold Variable Rate CD
1.46%$1k-36 Month Variable Rate CD
1.46%$500-36 Month Financial Youth Group Variable Rate CD
1.46%$500-36 Month Young Adult Financial Group Variable Rate CD
1.46%$500-36 Month Junior Account Program Variable Rate CD
1.46%$1k-36 Month Member Merits-Gold CD
1.46%$500-36 Month Youth Member Merits-Gold CD
1.41%$1k-36 Month CD
1.41%$500-36 Month Financial Youth Group CD
1.41%$500-36 Month Young Adult Financial Group CD
1.41%$500-36 Month Junior Account Program CD
1.41%$1k-Business 48 Month CD
1.36%$500-60 Month Financial Youth Group Variable Rate CD
1.36%$500-60 Month Young Adult Financial Group Variable Rate CD
1.36%$500-60 Month Junior Account Program Variable Rate CD
1.36%$1k-24 Month Member Merits-Gold CD
1.36%$1k-Business 60 Month Variable Rate CD
1.36%$500-24 Month Youth Member Merits-Gold CD
1.36%$500-36 Month Youth Member Merits-Gold Variable Rate CD
1.31%$1k-24 Month CD
1.31%$500-24 Month Financial Youth Group CD
1.31%$500-24 Month Young Adult Financial Group CD
1.31%$500-24 Month Junior Account Program CD
1.31%$1k-Business 36 Month CD
1.26%$1k-18 Month Member Merits-Gold CD
1.26%$1k-36 Month Member Merits-Gold Variable Rate CD
1.26%$500-18 Month Youth Member Merits-Gold CD
1.21%$1k-18 Month CD
1.21%$500-18 Month Financial Youth Group CD
1.21%$500-18 Month Young Adult Financial Group CD
1.21%$500-18 Month Junior Account Program CD
1.21%$1k-Business 36 Month Variable Rate CD
1.16%$1k-Business 24 Month CD
1.06%$1k-12 Month Member Merits-Gold CD
1.06%$1k-Business 18 Month CD
1.06%$500-12 Month Youth Member Merits-Gold CD
1.00%$1k-12 Month CD
1.00%$500-12 Month Financial Youth Group CD
1.00%$500-12 Month Young Adult Financial Group CD
1.00%$500-12 Month Junior Account Program CD
0.90%$1k-9 Month Member Merits-Gold CD
0.90%$500-9 Month Youth Member Merits-Gold CD
0.85%$1k-9 Month CD
0.85%$500-9 Month Financial Youth Group CD
0.85%$500-9 Month Young Adult Financial Group CD
0.85%$500-9 Month Junior Account Program CD
0.85%$1k-Business 12 Month CD
0.80%$1k-6 Month Member Merits-Gold CD
0.80%$500-6 Month Youth Member Merits-Gold CD
0.75%$1k-6 Month CD
0.75%$500-6 Month Financial Youth Group CD
0.75%$500-6 Month Young Adult Financial Group CD
0.75%$500-6 Month Junior Account Program CD
0.75%$1k-Business 9 Month CD
0.65%$1k-Business 6 Month CD

Together Credit Union (MO) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%$1k-60 Month IRA
1.56%$1k-48 Month IRA
1.51%$1k-60 Month Variable Rate IRA
1.46%$1k-36 Month IRA
1.36%$1k-24 Month IRA
1.36%$1k-36 Month Variable Rate IRA
1.26%$1k-18 Month IRA
1.06%$1k-12 Month IRA
0.90%$1k-9 Month IRA
0.80%$1k-6 Month IRA
0.00%$1k-19 Month IRA Special
Locations

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