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BENEFITS OF MEMBERSHIP

Belonging has its perks!

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Member Benefits

Membership Benefits and Perks

Nationwide Locations

In addition to our neighborhood branches, as part of the CO-OP network, we’re always within reach.

26 branches across the St. Louis metro and nationwide
Thousands of Shared Branch locations
Over 30,000 fee-free ATMs – more than almost any bank!

Exclusive Perks

Thanks to partnerships with St. Louis icons like STL CITY SC and the St. Louis Zoo, members can take advantage of exclusive free and discounted benefits to some of our best local attractions.

Partner debit and credit cards include unique benefits
Follow us on social media for special giveaways and events!

24/7 Access

Secure technology and service to keep your account always at your fingertips.

Top-rated, full-featured mobile app
24/7 contact center support
Card controls and alerts
Securely send money and pay bills from anywhere

For People, Not For Profit.

As a member-owned, not-for-profit credit union, we’re here for you, not to make money for stockholders. That means big savings vs big banks.

Lower rates on loans
Earn higher rates on deposits
More free and lower-fee services

Members Save Big

$70.5M

direct member financial benefits in 2024*

142,000+

members served

$1,044

saved per household annually

$2,779

average annual savings for high-use households

Get Rewarded with Member Merits

Your Member Merits status automatically applies as soon as your account becomes eligible.

Eligibility is based on your household’s combined loan + deposit balances*.

Free withdrawals per month at non-CO-OP ATMs¹
Free overdraft transfers²
Discount on auto and personal loans³
Discounts on personalized checks⁴
Rate bonuses

Rates

See What Our Members Are Saying About Together Credit Union

There is not another credit union as knowledgeable, courteous, friendly, helpful, and where everyone is treated like family. I have been a member for 38 yrs and counting!

Albert G.

Member

Ready to break up with your bank?

It's easy to join Together Credit Union. You'll just need your ID, mobile phone and your $5 minimum deposit to apply online in just a few minutes.

Apply Online Today

Disclosures:

*Average per-household financial benefits through lower rates on loans and higher rates on deposit accounts, compared to use of a for-profit bank. Analysis provided by America’s Credit Unions Benefits of Membership Report for Together Credit Union as of May 2025. “High Use Households” include member households that use Together Credit Union as their primary financial institution, with active checking account, auto loan, home loan, credit card, and savings.

1- ATM owner-imposed surcharges may apply.
2- Available to members enrolled in an overdraft transfer program.
3- Qualifying new loans are: new and used cars, trucks, vans, SUVs, motorcycles, boats, and RVs. Current underwriting guidelines apply. Business Accounts do not qualify for the Member Merits program. See Credit Union for details.
4- Corporate style checks only. Limit one free/discounted box per year.

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Contact Us

423 Lynch Street, St. Louis, MO 63118

800-325-9905

NMLS #401252
Routing Number: 281082915

Joint Partnerships

Federally Insured by NCUA

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