Predictable Returns | Together Credit Union
A senior couple embracing each other on a beach with waves in the background.

CERTIFICATES OF DEPOSIT (CDs)

Put your money to work for the future.
Open a CD Today

How Much Could Your Savings Earn?

Certificates of Deposit (CDs) offer higher rates of return on your long-term savings, while ensuring that your investment is secure. Typically, CD rates are among the highest offered by the credit union, especially for larger balances.

Plus, qualifying members can take advantage of a special CD rate bonus offered through the Member Merits program.

Great For:

  • Growing your money securely with pre-defined returns.
  • Saving for goals with a known timeline a few months or years in the future, such as a down payment or special vacation. 
  • Helping to manage risk in an overall investment plan.

How Do CDs Work?

Fixed Rate CDs

Guaranteed rate of return

  • Minimum opening balance $1,000
  • Variety of terms between 6 mo – 60 mo
  • Automatically renews at maturity unless withdrawn
  • Reinvest earnings in the CD or credit to your account.
Learn More

Variable Rate CDs

Rate may adjust up

  • Minimum opening balance $1,000
  • 36 or 60 month terms
  • Rate adjusts twice, never lower than original
Learn More

Youth Group CDs

Lower minimums for young members

  • Minimum opening balance $500
  • Applies to any fixed or variable rate CD
  • Any member age 21 or younger is eligible
Learn More

How much could I earn?

Plan ahead with our savings goal calculator.
Calculate Savings

CD Rates

See our latest rates to help your money work harder for you.
See Rates

Retirement Planning

Together Investment and Retirement Services can help build a plan for retirement and other long-term savings needs.
Learn more

Financial Wellness Resources

kyle hendrix together credit union top business advisor award 2026 (1)

About, Leadership, Business Services

Kyle Hendrix Recognized as “STL Top Business Advisor” by St. Louis Small Business Monthly

Kyle Hendrix, Business Banking & Treasury Officer at Together Credit Union, has been recognized as a “STL Top Business Advisor” by St. Louis Small Business Monthly!
overcome financial hardship together credit union

Credit Card Management

Five Strategies to Overcome Financial Hardship

Can navigating your finances feel overwhelming? Yes. Do you have to do it alone? Heck no! Lean on your Credit Union for access to a dedicated financial advisor.

Leadership, Partnerships, Community Impact, Careers

Financial Education 101: The Basics

Know what time it is? …Time to sharpen your money-management skills!
Learn More
Disclosures:
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. RRates subject to change without notice. Other rates and terms available. Membership eligibility required. Federally insured by the NCUA. Visit TogetherCU.org for full details.

View our Truth-in-Savings Certificate of Deposit Disclosure, stop by your local branch, or call 800-325-9905 for more details.

*APY=Annual Percentage Yield. Special “choose your term” option and 3.85% APY (3.78% APR) available starting 3/31/26 for terms 12-60 months standard and youth account CDs, IRA CDs, and business member CDs. APY is not variable for the established term, after maturity, CD will renew to current rate for existing term. APY is accurate as of 03/31/2026. Eligible for new CDs only, not applicable for renewals/rollovers. Cannot be combined with any other promotional offer; Member Merits rate bonus does not apply; Minimum $1,000 balance required; minimum $500 balance required for youth account CDs. Subject to penalty for early withdrawal. Fees/penalties can reduce earnings. Federally insured by NCUA.