Together CREDIT UNION
Together Credit Union is a not-for-profit, member-owned financial cooperative founded in 1939 and headquartered in St. Louis, serving over 145,000 members through 26 branches and digital banking. It provides retail and small-business deposit, lending, and investment services.
- Company typePrivate
- Founded1939
- HeadquartersSt Louis, United States
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Together CREDIT UNION does
Together Credit Union is a community-based, member-owned not-for-profit financial institution headquartered at 423 Lynch Street in St. Louis, Missouri. Founded in 1939 by eight Anheuser-Busch employees who pooled $55 in initial savings, the institution has grown to serve over 145,000 members through 26 branches nationwide (14 in the St. Louis metro area) and digital channels. It rebranded from Anheuser-Busch Employees Credit Union to Together Credit Union in 2019 to reflect an expanded, community-wide membership base. The credit union operates under federal NCUA regulation and insurance, with deposits federally insured up to $250,000 per depositor.
The product portfolio covers core retail and small-business banking: checking accounts (Achieve It, High Interest, Give Back, MyFit Access), savings products (Regular Savings, Accelerate It Savings at 5.00% APY on the first $5,000, Money Market, Earn & Learn at 3.00% APY for members under 21, Holiday Savings), Fixed and Variable Rate CDs, Traditional and Roth IRAs, IRA Money Market, IRA CDs, and Health Savings Accounts. Lending spans auto loans (new, used, refinancing, Value Plus, motorcycle, RV, boat up to 144 months), mortgages, Home Equity Lines of Credit, personal loans (Any Reason Any Season, Savings Secured, Line of Credit), and a credit card suite including co-branded CITY SC Visa, Visa Signature, Platinum Points, Preferred Platinum, Secured Platinum, and Business Premium Platinum Visa. Distribution is hybrid: physical branches with Video Teller Machines connecting members to live representatives, plus MobileAccess+ mobile application (iOS/Android), OnlineAccess web platform, and the Heather 24/7 virtual assistant. Third-party integrations include Apple Pay, Google Pay, Samsung Pay, Zogo for financial education, SWBC Payment Center, Co-Op Shared Branch and ATM network (30,000+ fee-free ATMs), LPL Financial for investment and retirement services (Together Investment & Retirement Services), TruStage for annuities, and AudioEye for WCAG 2.0/2.2 Level AA accessibility.
Revenue is generated through net interest income on the loan portfolio (auto, mortgage, HELOC, personal, credit cards) minus interest paid on deposits (savings, checking, CDs, IRAs), supplemented by non-interest income from account maintenance fees, overdraft charges, ATM fees, wire transfers, credit card interchange, and loan origination fees. As a cooperative, surplus is returned to members through better rates and lower fees rather than distributed to external shareholders; the credit union reports $65,378,268 in direct financial benefits returned to members in 2025 per America's Credit Unions Certificate of Excellence. Member acquisition runs through Select Employer Group partnerships (Anheuser-Busch as the original founding group, plus Nestle Purina PetCare, BJC HealthCare), community membership eligibility in the St. Louis metro, Williamsburg VA, and Cedar Hill TX, and digital onboarding via onlineapp.togethercu.org in under two minutes with a $5 minimum deposit. Customer segments span individuals and families, youth (0-21), Select Employer Group employees, small-to-mid-size businesses, and non-profit organizations. Marketing combines flagship local sponsorships (St. Louis CITY SC MLS team co-branded cards, Ballpark Village Together CU Plaza naming rights, Saint Louis Zoo), community events, Together Foundation financial education outreach, and SEO-optimized digital content.
Together CREDIT UNION firmographics
Firmographics- Name
- Together CREDIT UNION
- Legal name
- Together Credit Union
- Website
- https://togethercu.org
- Company type
- Private
- Founded year
- 1939
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Together Credit Union is a not-for-profit, member-owned financial cooperative founded in 1939 and headquartered in St. Louis, serving over 145,000 members through 26 branches and digital banking. It provides retail and small-business deposit, lending, and investment services.
- Ownership category
- akta.pro rank
Together CREDIT UNION industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
Keywords
Where Together CREDIT UNION is headquartered
LocationHeadquarters
- HQ city
- St Louis
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Together CREDIT UNION business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Net Interest Income: Interest income from loan portfolio (auto loans, mortgages, home equity, personal loans, credit cards) minus interest paid on deposits (savings, checking, CDs, IRAs). Core revenue driver representing spread between lending rates and deposit rates.
- Non-Interest Income: Fee income from account maintenance, overdraft fees, ATM fees, wire transfers, and service charges. Also includes credit card interchange fees and loan origination fees.
- Financial Planning Services: Revenue from investment and retirement services offered through LPL Financial partnership, including brokerage services, insurance products (AD&D, life, long-term care), and financial management advisory.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Savings accounts with competitive APY rates |
| Unit Pricing | Monthly | Auto loan rates starting at 4.99% APR |
| Unit Pricing | Monthly | Home lending products |
| Subscription | Monthly | Business checking with low fees |
| One time/ perpetual license | Pay-as-you-go | Certificate of Deposit promotions |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Together CREDIT UNION product offering
Product offeringCore offering
Together Credit Union is a member-owned, not-for-profit financial cooperative providing retail and commercial banking products. It offers checking, savings, certificates of deposit (CDs), auto loans, mortgages, home equity loans, credit cards, and business banking services to over 145,000 members across 26 branches nationwide, with concentration in the St. Louis metropolitan area. Investment and retirement advisory services are delivered through a partnership with LPL Financial.
Product overview
Together Credit Union operates as a member-owned, not-for-profit financial institution serving over 145,000 members in the St. Louis area and select markets. The product portfolio centers on traditional banking services including checking (Achieve It Checking, High Interest Checking, Give Back Checking), savings (Regular Savings, Accelerate It Savings at 5.00% APY, Money Market, Earn & Learn, Holiday Savings), and certificates of deposit. The credit union offers a comprehensive digital banking platform through OnlineAccess (web) and MobileAccess+ (mobile app) featuring bill pay, mobile deposits, card management, and the Heather virtual assistant. Lending products span auto loans, home mortgages and home equity lines, personal loans (Any Reason Any Season, Savings Secured), and credit cards including CITY SC Visa co-branded with St. Louis CITY SC soccer team. Business banking includes checking accounts, commercial real estate and equipment loans, and the Business Premium Platinum Visa. Additional offerings include Traditional and Roth IRAs, Health Savings Accounts, and investment/insurance services through LPL Financial partnership. The unified digital banking experience connects all products through integrated online and mobile platforms with Apple Pay, Google Pay, and Samsung Pay integrations.
Differentiator
Problem solved
Functional benefit
Brands
- Together Foundation: A separate nonprofit entity focused on promoting collaboration and best practices in financial education, providing quality financial education and banking opportunities for young people and families in need.
- Together Investment and Retirement Services (TIRS)
- MobileAccess+
- OnlineAccess
- Heather
Products and services
- Checking Accounts
Quantifiable outcome
- $65,378,268 in direct financial benefits provided to members in 2025
- +2 more outcomes
Companies that use Together CREDIT UNION
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles2 records
Together CREDIT UNION technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
Together CREDIT UNION partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered flagship and core.
- St. Louis CITY SCflagshipOfficial financial services partner of St. Louis CITY SC, the city's Major League Soccer team. Partnership includes branded CITY SC Visa debit and credit cards with exclusive perks including free myCITY+ membership ($50 value), 10% cash back on food/beverage and retail at matches, express stadium entry gates, and priority ticket access. Stadium branding and community activations included.
- Saint Louis ZoocoreCommunity partnership supporting one of St. Louis' most beloved attractions. Joint branding and community investment initiatives.
- Ballpark Village St. LouiscoreNaming rights partnership for Together CU Plaza at Ballpark Village, St. Louis' sports and entertainment complex. Community event hosting and activation space.
- MERS Goodwill Excel CenterscorePartnership to provide adult students with comprehensive financial education through Financial Empowerment Series. Designed to provide adult learners with practical financial education and skills.
- Springboard to LearningcoreArts-integrated financial education partnership for local students. Launched Earn & Learn Together game combining arts and financial literacy for youth education.
- LPL Financial (Together Investment & Retirement Services)coreRegistered investment advisor and broker-dealer partnership providing members access to investment services, brokerage, retirement planning, trust services, and financial management through Together Investment & Retirement Services (TIRS).
- Anheuser-Busch (Original Select Employer Group)flagshipOriginal founding employer group since 1939. Eight Anheuser-Busch employees founded the credit union in 1939 by pooling $55. Ongoing Select Employer Group relationship providing employee access to membership.
- Nestle Purina PetCare CompanycoreSelect Employer Group partner providing employees access to Together Credit Union membership and financial services.
- BJC HealthCarecoreSelect Employer Group partner providing employees access to Together Credit Union membership and financial services.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Together CREDIT UNION competitors and assessment
Company assessmentDirect peers
- Vantage Credit Union: St. Louis-area community credit union with similar member base, branch footprint, and product mix (consumer deposits, lending, digital banking). Most directly comparable geographic and structural peer.
- Consumers Credit Union: Community credit union with consumer and small business banking, high-yield deposits, and digital channels. Closely comparable size and member-first value proposition.
- First Community Federal Credit Union: Mid-size community credit union offering consumer and business banking, mortgages, and digital channels. Closely comparable in size, community focus, and product breadth.
- Arsenal Credit Union: St. Louis metro community credit union serving consumer and business members with comparable deposit, lending, and digital banking offerings. Direct competitor in the same local market.
Broad incumbents
- America First Credit Union: One of the largest US community credit unions with broad consumer deposit, lending, and digital banking products. Comparable community-cooperative model but at materially larger scale, illustrating the upside opportunity.
- Digital Federal Credit Union (DCU): Tech-forward community credit union with strong digital banking and member-owned model. Comparable product set and member-first positioning; useful reference for digital investment trajectory.
- Patelco Credit Union: Member-owned community credit union with consumer deposits, lending, and wealth services across multiple geographies. Comparable cooperative model and product suite at slightly larger scale.
- Connexus Credit Union: Mid-to-large community credit union with full consumer banking, lending, and wealth services. Similar product breadth and member-owned structure; relevant size-tier comparable.
- Alliant Credit Union: Large national digital-first credit union with high-yield deposits and broad lending products. Comparable not-for-profit member-owned structure but operates at scale with a primarily digital model, relevant for digital benchmarking.
Emerging players
- SchoolsFirst Federal Credit Union: Employer-anchored community credit union serving a defined membership (educators), similar in structure to Together's Select Employer Group model. Relevant comp for employer-segment strategy.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Together CREDIT UNION social profiles
Digital presenceTogether CREDIT UNION compliance and trust
Trust signalCompliance6 records
Together CREDIT UNION financial estimates
Financial estimateRevenue estimate
Valuation estimate
Together CREDIT UNION leadership team
Management profileNumber of profiles
Profiles4 records
Together CREDIT UNION subsidiaries and ownership
Company hierarchySubsidiaries1 record
Together CREDIT UNION funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Together CREDIT UNION M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Together CREDIT UNION
What does Together CREDIT UNION do?
Together Credit Union is a member-owned, not-for-profit financial cooperative providing retail and commercial banking products. It offers checking, savings, certificates of deposit (CDs), auto loans, mortgages, home equity loans, credit cards, and business banking services to over 145,000 members across 26 branches nationwide, with concentration in the St. Louis metropolitan area. Investment and retirement advisory services are delivered through a partnership with LPL Financial.
Is Together CREDIT UNION a public or private company?
Together CREDIT UNION is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Together CREDIT UNION founded?
Together CREDIT UNION was founded in 1939. It employs 101 to 250 people.
Where is Together CREDIT UNION based?
Together CREDIT UNION is headquartered in St Louis, United States, in the North America region.
How does Together CREDIT UNION make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and financial Planning Services.
Who are Together CREDIT UNION's main competitors?
Direct peers on record are Vantage Credit Union, Consumers Credit Union, First Community Federal Credit Union and Arsenal Credit Union. Broad incumbents are America First Credit Union, Digital Federal Credit Union (DCU), Patelco Credit Union, Connexus Credit Union and Alliant Credit Union. SchoolsFirst Federal Credit Union is listed as an emerging player.
Does Together CREDIT UNION have an API?
No public API is recorded for Together CREDIT UNION.
What industry is Together CREDIT UNION in?
Together CREDIT UNION's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6141.