CD Special - 5.25% APY* for 15 Months ¹
$1,000 Minimum for Standard CD Accounts

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Fixed Rate CDs

Fixed rate CDs are a safe, secure means of obtaining a good return on your investment. View our competitive rates »

Plus, qualifying members can take advantage of a special CD rate bonus based on benefits earned as part of Member Merits.*

The minimum opening balance for all CDs is $1,000. Certificates are automatically renewable and interest earned can be added back to the CD or credited to your account.

Open account online » | Make an in-person appointment »
For questions, you can contact 800-325-9905 or email [email protected].

Variable Rate CDs

The Credit Union offers two special Variable Rate CD terms:

36 months
60 months

View our competitive rates »

How does it work?
After the issue date, the rate may adjust twice during the term which is divided into three equal periods. The rate adjusts to current rate for like fixed rate certificate term less a margin on the anniversary date of each subsequent period.

The rate may increase or decrease however it will never be lower than the rate earned on the date the CD was opened.

Open account online » | Make an in-person appointment »
For questions, you can contact 800-325-9905 or email [email protected].

Youth Group CDs

All members of the Credit Union's youth groups – Junior Account Program, Financial Youth Group and Young Adult Financial Group – are eligible to open a CD with a minimum balance of $500.

All youth groups CDs have the same terms and features as our fixed and variable rate CDs.

Open account online » | Make an in-person appointment »
For questions, you can contact 800-325-9905 or email [email protected].

Good to Know

What is a Certificate of Deposit (CD)?
A certificate of deposit (CD) is a safe, virtually no-risk savings tool that can boost the amount of interest you earn over a specific amount of time (or term).

You choose the term based on what your financial institution offers, and how long you are willing to leave your money in the CD. The amount of interest rate (or return) is a guaranteed percentage that you earn when the CD reaches the end of the term (or matures).

You can find out more about the benefits by checking out this module »

Can I Make an Early Withdrawal?
If you choose to take out your funds before the maturity date, you may have to pay an early withdrawal penalty.

Frequently Asked Questions...

View our Truth-in-Savings CD disclosures here. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.

*St. Louis market rates as reported in Money Monitor by BancAnalytics (March 2017) and include Member Merits Gold rates offered to households with combined loan and/or deposit balances of $25,000 or more.

*APY=Annual Percentage Yield. Assumes principal and interest remain on deposit for the entire term. Penalties apply for early withdrawal or closure of CD. Withdrawals and any associated penalties or fees may reduce earnings on the account. Interest is paid and compounded monthly based on the daily balance method.

1) *APY=Annual Percentage Yield. Assumes principal and interest remain on deposit for the entire term. Penalties apply for early withdrawal or closure of CD. Withdrawals and any associated penalties or fees may reduce earnings on the account. Interest is compounded and credited monthly based on the daily balance method. Required minimum balances reflect the Together Credit Union’s standard minimum balance requirements for CDs ($500 for youth CDs/ $1,000 for all other CDs). Rate offers accurate as of 04/01/2024. Rates subject to change without notice. Other rates and terms available. Membership eligibility required. Federally insured by the NCUA. Visit TogetherCU.org for full details.