Business Rates

CD Special - 5.25% APY* for 15 Months ²
$1,000 Minimum for Standard CD Accounts

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Loan Rates
Scroll down and click on a section to see rates for different account types.

Credit Card Rates

Business Credit Card Rates (Based on APR*)

Business Visa (purchase & balance transfers) ¹
10.74% - 13.74%

Business Visa (cash advances) ¹
12.74% - 15.74%

*APR = Annual Percentage Rate. Rates, and terms and conditions subject to change without notice on new loans. Loan rates above reflect our best rates. Rates are based on loan underwriting factors and may be higher based on individual underwriting. No annual fee; 25 day grace period on purchases if payment is made in full by due date. See application for complete terms and conditions.

1) Rates may vary with the market based on the Prime Rate quoted in the Wall Street Journal. The Prime Rate plus the margin equal the Annual Percentage Rate (APR). The margin will be based on creditworthiness. APR can change on the first day of the billing cycle in the month following a change in the Prime Rate. We will use the Prime Rate as of the 15th day of the month before the month of any APR adjustment.

Business Deposit Rates
Scroll down and click on a section to see rates for different account types. Rates effective March 26th, 2024.

Savings Account* Rates

Business Savings
Min. Balance/Average Daily Balance - $5/$100
Dividend Rate - 0.30%
APY - 0.30%

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

Checking Account* Rates

Regular Business Checking
Min. Balance/Average Daily Balance - $0

Business Interest Checking ¹
Min. Balance/Average Daily Balance - $0
Dividend Rate - 0.10%
APY - 0.10%

Small Business Checking
Min. Balance/Average Daily Balance - $0

Nonprofit/Club Checking
Min. Balance/Average Daily Balance - $0

Earnings Credit for Regular Business Checking
Dividend Rate - 0.30%

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account.

1) A $5 fee is assessed if the average daily balance falls below $500.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

Money Market Account* Rates

Min. $1,000 - $49,999
Dividend Rate - 1.45%
APY - 1.46%

6 Month Special ²
Min. Balance/Average Daily Balance - $10,000
Dividend Rate - 4.50%
APY - 4.60%*

$50,000 - $99,999
Dividend Rate - 1.60%
APY - 1.61%

$100,000 - $249,999
Dividend Rate - 1.70%
APY - 1.71%

$250,000 & above
Dividend Rate - 1.80%
APY - 1.82%

*Money Market Account interest is compounded daily and paid monthly.

APY = Annual Percentage Yield -- assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account.

2) Minimum deposit of $10,000 money not currently on deposit at Together Credit Union and balance of $10,000 to earn APY. Withdrawals may reduce earnings on the account. Rate offer accurate as of 11/21/2023. Six months after account open date, account will convert to the standard Money Market and becomes subject to applicable balance tiers and interest rates at that time. Rate is subject to change without notice after account opening. Other rates and terms available. Membership eligibility required.

**Certificate of Deposit (CD)* Rates**

6 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 2.47%
APY - 2.50%

9 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 2.96%
APY - 3.00%

12 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.93%
APY - 4.00%

15 Month Certificate - SPECIAL²
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 5.13%
APY - 5.25%

18 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.78%
APY - 3.85%

24 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.59%
APY - 3.65%

36 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.44%
APY - 3.50%

36 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 2.95%
APY - 2.99%

48 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.20%
APY - 3.25%

60 Month Certificate
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 3.11%
APY - 3.15%

60 Month Variable Rate Certificate ¹
Min. Balance/Average Daily Balance - $1,000
Dividend Rate - 2.95%
APY - 2.99%

*Interest and dividends are paid and compounded monthly based on the average daily balance on all accounts except the Money Market Account. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

1) APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

2) *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.