Rates | Together Credit Union

Current Rates

Savings and Checking Accounts

Savings and Checking Accounts

Certificate of Deposit

Certificate of Deposit

Member Merits (Gold)

Member Merits (Gold)

Individual Retirement Accounts

Individual Retirement Accounts

Auto Loans

Auto Loans

Credit Cards

Credit Cards

Personal Loans

Personal Loans

Home Loans

Home Loans

Home Loan Options

Fixed Mortgage

Term	Rate	APR
30-Year	6.125%	6.315%
15-Year	5.625%	5.937%

Adjustable Rate Mortgage

*ARM=Adjustable Rate Mortage. FTHB = First-Time Home Buyers
Special terms available for First-Time Home Buyers, member eligibility required.
Term	Rate	APR
7/6mo ARM FTHB*	6.250%	7.163%
5/6mo ARM	5.750%	6.919%

Home Equity

*APR = Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. 15 Year Choice Home Equity loan payments are based on a loan amount of $25,000.00. A $25,000 loan over 15 years (180 months) at a rate of 7.00% (7.064% APR) would cost approximately $226.00 per month. (Example—your actual rate and payments may be different.) Property insurance will be required and flood insurance where necessary. Payments do not include taxes and insurance premiums, and the actual payment obligation may be greater. Consult a tax advisor regarding tax deductibility.

4 - APR effective 7/19/2024 introductory rate applicable for first twelve months following open date. After introductory period, APR is based on the Prime Rate (7.50%), or Prime Rate (7.50%) plus a margin based on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00% APR, Cap = 15.0% APR. Loan features 10-year draw and 15-year repayment period. Current 5.990% APR reflects best rate available based on less than 90% LTV & individual creditworthiness.
Term	Rate	APR*
15-Year Choice	7.125%	7.189%
Line of Credit (HELOC) Interest Only⁴		5.990%

Jumbo

*APR = Annual Percentage Rate. Rates effective October 1, 2025. Rates, and terms and conditions subject to change without notice on new loans. Rates posted are estimates only and are subject to change without notice. Your actual rate and/or points may be different, as many factors go into providing you with a mortgage loan.
The quotes above are based on a specific loan amount for the purchase of a single family primary residence.
1) 15 and 30 Year Fixed Rate loan payments are based on a loan amount of $150,000.00
2) 15 Year Choice Home Equity loan payments are based on a loan amount of $25,000.00
3) 15 and 30 Year JUMBO loan payments are based on a $806,500.00 loan amount
4) *APR (Annual Percentage Rate) effective 7/19/2024 introductory rate applicable for first twelve months following open date. After introductory period, APR is based on the Prime Rate (7.50%), or Prime Rate (7.50%) plus a margin based on underwriting & Loan To Value (LTV) and may vary with Prime Rate after account opening: Floor = 2.00% APR, Cap = 15.0% APR. Loan features 10-year draw and 15-year repayment period. Current 5.990% APR reflects best rate available based on less than 90% LTV & individual creditworthiness.
No credit union closing costs incurred for lines of credit up to $249,999 when automated value model is used for underwriting; loans using alternate valuation sources could incur closing costs up to $600 depending on property location, type and loan amount. Loans greater than $249,999 subject to standard lending practices with a closing cost between $0.00 – $4,000. City/county/state fees may apply.
Membership eligibility is required. Loan subject to approval. Equity limits and underwriting requirements vary by state. We do business in accordance to the Federal Fair Housing Law and Equal Credit Opportunity Act. NMLS#401252.
Term	Rate	APR
30-Year	6.125%	6.241%
15-Year	5.375%	5.565%
5/6mo ARM	5.500%	6.847%

Auto Loan Rates

New Auto

Term	APR*
Up to 63 Months	4.89%
Up to 75 Months	5.39%
Up to 84 Months	6.39%

Used Auto¹

Term	APR*
Up to 63 Months	5.24%
Up to 75 Months	5.74%
Up to 84 Months	6.74%

Used Auto (2017 or older)

Term	APR*
Up to 60 Months	6.24%

Motorcycle

Term	APR*
36 Months	8.14%
48 Months	8.14%
60 Months	9.14%

Value Plus Auto

Term	APR*
Up to 60 Months	6.24%
61-72 Months	6.74%

Boats

Term	APR*
36-60 Months	8.14%
120 Months	9.14%
144 Months	10.14%

New/Used RV

*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.
1) Minimum loan for 75 month term is $15,000: for 84 month term is $25,000. Term and rates on secured loans are dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.
Term	APR*
36-60 Months	8.14%
120 Months	9.14%
144 Months	10.14%

Credit Card Rates (Based on APR 1)

**1) 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. 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.
2) Preferred Platinum - APR for Purchases: 11.15% to 21.15% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers: 11.15% to 21.15% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances: 25.00%. No Annual Fee. Balance Transfer Fee: 3.00% of the amount of each balance transfer. Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 2.00% of each transaction in U.S. dollars. Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Pay-by-Phone Fee: $10.00. If your account is subject to the Pay-By-Phone Fee, except as applicable by law, a fee will be charged for each time you make an expedited payment by telephone. Rush Fee: Up to $30.00. Statement Copy Fee: $2.00 per document. However, this fee is waived if you are an Eagle Advantage member.

3) Platinum Points and CITY SC Visa - APR for Purchases: 13.15% to 23.15% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers: 13.15% to 23.15% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances: 25.00%. No Annual Fee. Balance Transfer Fee: 3.00% of the amount of each balance transfer. Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 2.00% of each transaction in U.S. dollars. Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Pay-by-Phone Fee: $10.00. If your account is subject to the Pay-By-Phone Fee, except as applicable by law, a fee will be charged for each time you make an expedited payment by telephone. Rush Fee: Up to $30.00. Statement Copy Fee: $2.00 per document. However, this fee is waived if you are an Eagle Advantage member.

4) Visa Signature - APR for Purchases: 0.00% Introductory APR for 12 months from account opening. After that, your APR will be 15.50% to 25.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers: 0.00% Introductory APR for 12 months from account opening. After that, your APR will be 15.50% to 25.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances: 25.00%. No Annual Fee. Balance Transfer Fee: 3.00% of the amount of each balance transfer. Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater. No Foreign Transaction Fee. Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Pay-by-Phone Fee: $10.00. If your account is subject to the Pay-By-Phone Fee, except as applicable by law, a fee will be charged for each time you make an expedited payment by telephone. Rush Fee: Up to $30.00. Statement Copy Fee: $2.00 per document. However, this fee is waived if you are an Eagle Advantage member. Credit lines starting at $10,000.

5) Secured Platinum - APR for Purchases: 14.90%. APR for Balance Transfers: 14.90%. APR for Cash Advances: 18.90%. No Annual Fee. No Balance Transfer Fee. Cash Advance Fee: $10.00 or 3.00% of the amount of each cash advance, whichever is greater. No Foreign Transaction Fee. Late Payment Fee: $5.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment. Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Pay-by-Phone Fee: $10.00. If your account is subject to the Pay-By-Phone Fee, except as applicable by law, a fee will be charged for each time you make an expedited payment by telephone. Minimum $500 limit.
Cards	APR¹
Preferred Platinum Visa²	11.15%
Platinum Points Visa³	13.15%
CITY SC Visa Credit Card³	13.15%
Visa Signature4	15.50%
Secured Visa5	14.90%

Personal Loan Rates

Loans	Term(s)	APR*
Lines of Credit	Revolving	13.65%
Any Reason Any Season¹	Up to 72 Months	11.49%–11.99%
Other Secured	Up to 60 Months	8.64%–9.64%

Time Desposit Accounts

Certificate of Deposit (CD) Rates

**1- *APY=Annual Percentage Yield.** Interest is paid and compounded monthly based on the average daily balance. 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.
Term	Minimum Balance/Average Daily Balance	Dividend Rate	APY*
6 Month Certificate	$1,000	2.47%	2.50%
9 Month Certificate	$1,000	4.17%	4.25%
12 Month Certificate	$1,000	3.69%	3.75%
18 Month Certificate	$1,000	3.64%	3.70%
24 Month Certificate	$1,000	3.64%	3.70%
36 Month Certificate	$1,000	3.40%	3.45%
36 Month Variable Rate Certificate ¹	$1,000	2.95%	2.99%
48 Month Certificate	$1,000	3.40%	3.45%
60 Month Certificate	$1,000	3.40%	3.45%
60 Month Variable Rate Certificate ¹	$1,000	2.95%	2.99%

Member Merits (Gold¹) Certificate of Deposit Rates

**1- *APY= Annual Percentage Yield.** Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. 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. See our CD Truth in Savings Disclosure for further information.
Term	Minimum Balance/Average Daily Balance	Dividend Rate	APY
6 Month Certificate	$1,000	2.52%	2.55%
9 Month Certificate	$1,000	4.22%	4.30%
12 Month Certificate	$1,000	3.74%	3.80%
18 Month Certificate	$1,000	3.69%	3.75%
24 Month Certificate	$1,000	3.69%	3.75%
36 Month Certificate	$1,000	3.45%	3.50%
36 Month Variable Rate Certificate ¹	$1,000	3.00%	3.04%
48 Month Certificate	$1,000	3.45%	3.50%
60 Month Certificate	$1,000	3.45%	3.50%
60 Month Variable Rate Certificate ¹	$1,000	3.00%	3.04%

Deposit and Checking Account Rates

Savings Account Rates

**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.
Account	Dividend Rate	APY*	Minimum Balance/Average Daily Balance
Regular Savings	0.20%	0.20%	$5/$100
Accelerate It Savings²	4.89%²	5.00%²	$5/$100
Holiday Savings	0.20%	0.20%	$0/$5
Multiple Savings	0.20%	0.20%	$0/$100
Junior Account Savings	0.20%	0.20%	$5/$5
Financial Youth Group Savings	0.20%	0.20%	$5/$5
Young Adult Financial Group Savings	0.20%	0.20%	$5/$5
Earn & Learn Savings³	2.96%³	3.00%³	$5/$5

Checking Account Rates

**1- *APY=Annual Percentage Yield.** Withdrawals and fees may reduce earnings on the account. Interest is compounded and credited monthly based on the average daily balance (ADB) method. APY is accurate as of 06/01/2025. Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000.

To meet monthly qualification requirements for the high interest rate, you must:
Make 15 debit card purchases that post and settle your account
Have one ACH credit or direct deposit post to your account, and
Be enrolled in eStatements.
Balances $0 to $25,000 earn 5.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Membership eligibility required. Other rates and terms available.
Account	Minimum Balance/Average Daily Balance	$0-$25,000,00¹- Dividend Rate	$0-$25,000,00¹ - APY*	$25,000,01 and above- APY*
Achieve It Checking	$0	N/A	N/A	N/A
High Interest Checking¹	$5 per month (if balance is under $1000)	4.89%	5.00%	0.20%
Basic Checking	$0	N/A	N/A	N/A

Money Market Account Rates

**1- *APY=Annual Percentage Yield.** Assumes interest is reinvested and rate continues for a year. Fees listed on the Service Charge and Fee Schedule could reduce earning on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time.
Account Balance	Dividend Rate	APY
Min. $1,000 - $9,999¹	1.15%	1.16%
$10,000 - $24,999	1.20%	1.21%
$25,000 - $49,999	1.40%	1.41%
$50,000 - $99,999	1.55%	1.56%
$100,000 - $249,999	1.60%	1.61%
$250,000 & above	1.70%	1.71%

Select Money Market

Money Market Account interest is compounded daily and paid monthly.
APY = Annual Percentage Yield. Assumes interest is reinvested and rate continues for a year. Fees listed on the Service Charge and Fee Schedule could reduce earnings on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month.
Together Credit Union reserves the right to discontinue specials or adjust product rates at any time.
"New Money" is defined as funds not currently on deposit with Together Credit Union and not on deposit within the 30 days prior.
Interest calculates as follows: balances below $100,000 will earn 1.56% APY; balances $100,000 and above will earn 4.00% APY. APY assumes interest is reinvested and rate continues for a year. Fees listed on the Service Charge and Fee Schedule could reduce earnings on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month.
Together Credit Union reserves the right to discontinue products at any time. Minimum opening new money deposit is $100,000. APY is effective as of 10/6/2025. APY is variable and subject to change at the Credit Union’s discretion after account opening.
Balance Range	Dividend Rate	APY	Notes
$100,000 & above	3.92%	4.00%	New money only
$1,000 – $99,999 (avg.)	1.55%	1.56%	Based on average daily balance

Tax Advantage Accounts (IRA's)

Select Money Market (IRA)

Money Market Account interest is compounded daily and paid monthly.

APY = Annual Percentage Yield. Assumes interest is reinvested and rate continues for a year. Fees listed on the Service Charge and Fee Schedule could reduce earnings on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month.

Together Credit Union reserves the right to discontinue specials or adjust product rates at any time.

"New Money" is defined as funds not currently on deposit with Together Credit Union and not on deposit within the 30 days prior.

Interest calculates as follows: balances below $100,000 will earn 1.56% APY; balances $100,000 and above will earn 4.00% APY. APY assumes interest is reinvested and rate continues for a year. Fees listed on the Service Charge and Fee Schedule could reduce earnings on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month.

Together Credit Union reserves the right to discontinue products at any time. Minimum opening new money deposit is $100,000. APY is effective as of 10/6/2025. APY is variable and subject to change at the Credit Union’s discretion after account opening.
Balance Range	Dividend Rate	APY	Notes
$100,000 & above	3.92%	4.00%	New money only
$1,000 – $99,999 (avg.)	1.55%	1.56%	Based on average daily balance

Money Market Account ¹

**1- *APY=Annual Percentage Yield.** Assumes interest is reinvested and rate continues for a year. Fees listed on the Service Charge and Fee Schedule could reduce earning on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month. Together Credit Union reserves the right to discontinue Specials/Adjust product rates at any time.
Account Balance	Dividend Rate	APY
Min. $1,000 - $9,999	1.15%	1.16%
$10,000 - $24,999	1.20%	1.21%
$25,000 - $49,999	1.40%	1.41%
$50,000 - $99,999	1.55%	1.56%
$100,000 - $249,999	1.60%	1.61%
$250,000 & above	1.70%	1.71%

Certificate of Deposit

Penalty for early withdrawal. Fees may reduce earnings on the account. See "Truth-in-Savings Disclosure" for further information.

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

1) Money Market Account interest is compounded daily and paid monthly.

2) 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 the anniversary date of each subsequent period. Rate will adjust to the current rate for a 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 the rate earned on the issue date. Variable and Special Rate IRA certificates available only for Traditional IRAs. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.

Together Credit Union reserves the right to discontinue specials or adjust product rates at any time.

"New Money" is defined as funds not currently on deposit with Together Credit Union and not on deposit within the 30 days prior.

APY = Annual Percentage Yield. Interest calculates as follows: balances below $100,000 will earn 1.56% APY; balances $100,000 and above will earn 4.75% APY. APY assumes interest is reinvested and the rate continues for a year. Fees listed on the Service Charge and Fee Schedule could reduce earnings on the account. You may forfeit interest if you close any interest-bearing account before accrued interest is credited. Interest is calculated using the daily balance method and is compounded daily and credited on the last day of each month.

Together Credit Union reserves the right to discontinue products at any time. Minimum opening new money deposit is $100,000. APY is effective as of 12/31/2024 and is variable and subject to change at the Credit Union’s discretion after account opening.
Term	Minimum Balance/Average Daily Balance	Dividend Rate	APY
6 Month Certificate	$1,000	2.47%	2.50%
9 Month Certificate	$1,000	3.74%	3.80%
12 Month Certificate	$1,000	3.78%	3.85%
18 Month Certificate	$1,000	3.64%	3.70%
24 Month Certificate	$1,000	3.64%	3.70%
36 Month Certificate	$1,000	3.40%	3.45%
36 Month Variable Rate Certificate ¹	$1,000	2.95%	2.99%
48 Month Certificate	$1,000	3.40%	3.45%
60 Month Certificate	$1,000	3.40%	3.45%
60 Month Variable Rate Certificate ¹	$1,000	2.95%	2.99%