Savings | Together Credit Union
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SAVINGS ACCOUNT

Rewarding and flexible options to grow your money.

Start Saving, Start Thriving

Saving is the foundation of financial health. We're here to help, with accounts designed to help you build a savings habit and make the most of your money. It all begins with a small $5 deposit to start your Membership Savings account.

Membership Starts Here

When you join Together Credit Union, your first account will be one of our Membership Savings options. With just a $5 minimum deposit, this account is your first step to start enjoying all the benefits of membership.

Membership Savings Options:

 

Generous Rates + Flexible Access

With all of our Savings and Money Market accounts, you can count on:

  • No monthly fee
  • Free online and mobile banking for e-Deposits, transfers, account alerts and more
  • Easy direct deposit and automated savings tools to grow your savings seamlessly
  • Access to a free ATM network larger than almost any bank's!

Our Current Rates

Accelerate It Savings

As high as

5.00%² APY*

Regular Savings

As high as

0.20% APY*

Earn and Learn Savings

As high as

3.00%³ APY*

Holiday Savings

As high as

0.20% APY*

Regular Savings

Basic savings account with one simple rate.

  • One simple rate applies to the full balance
  • $5 minimum deposit
  • Choose Regular Savings or Accelerate It Savings to start your membership
Learn More

Accelerate It Savings

Want to build savings faster? Start earning high-yield returns from day one.

  • Earn 5.00% APY* on the first $5,000 of your savings balance
  • Requires an active checking account
  • $5 minimum deposit, $100 minimum to earn the high-yield rate
  • Must be age 21+ (under 21? Check out our Earn & Learn account)
  • Choose Regular Savings or Accelerate It Savings to start your membership
Learn More

Money Market

Earn even more with rates that grow along with your balances.

  • All the flexibility of a savings account, plus premium rates
  • $1,000 minimum balance
  • Add, transfer, or withdraw funds at any time
  • Rates bump up as balances grow - the more you save, the more you earn!
Learn More

Holiday & Multiple Savings

Need additional ways to save for specific goals?

  • Holiday Savings - save for holiday expenses and other end-of-year bills.
  • Multiple Savings - create other dedicated savings for specific goals.
Learn More

Youth & Teen Accounts

Building blocks for a financially savvy future.

  • Savings accounts for all ages to help families build a strong financial foundation.
  • Practice age-appropriate skills to save, borrow and plan.
  • Safe debit card options for teens with parental controls and minimal risk.
Learn More

Earn & Learn Savings

Special rates just for members age 0-21.

  • Earn 3.0% APY* on your first $1,000
  • $5 minimum balance
  • Add, transfer, or withdraw funds at any time
Learn More

Schedule an Appointment

Prefer to speak to a team member before opening your account? Schedule an in-person appointment at a local branch today. 
Learn More

Savings Calculator

Manage and plan your savings more effectively with these helpful calculators
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Why Together Credit Union

Find out how we can help you achieve more by building relationships that last a lifetime.
Learn More

Financial Wellness Resources

About, Accounts, Checking Accounts, Savings Accounts, General Information, Member Eligibility, Online Account Opening

Spending & Saving Steps for Growing Families

A growing family come with growing goals... and growing expenses. A realistic budget is a key to keeping your financial health in check.

Credit Card Management, About, Accounts, Savings Accounts

How To Create A Savings Goal Timeline

With a plan in place, it's easier to keep your eye on the prize.

About, Checking Accounts, Savings Accounts, Money Market Accounts, General Information, CDs, Online Account Opening

Pay Yourself First: The Secret to Smart Saving

After all... there's no one more deserving than you!
Read More
Disclosures:
*APY=Annual Percentage Yield. Membership eligibility required. Rates on variable accounts (e.g., Regular Savings, Accelerate It Savings, Money Market, Earn & Learn, and other savings accounts) are subject to change. Fees may reduce earnings. See current rates and fees on our website, or call 800-325-9905.

2- *APY=Annual Percentage Yield. For the Accelerate It Savings account, the dividend rate and annual percentage yield are subject to change without notice after account opening. APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number.

For Accelerate It Savings accounts, you must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account.

Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.

3- *APY=Annual Percentage Yield. Assumes principal and interest/dividends remain on deposit for the entire year. Withdrawals will reduce earnings on the account. Earn and Learn available to members up through age 21. APY dividend of 2.96% is earned on balances $5.00- $1,000.00. Balances over $1,000.00 and above will receive APY of 0.20%.

Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.