Together Credit Union is a member-owned financial cooperative operating from 2531 State Highway K in O’Fallon, Missouri. As a credit union, it functions as a not-for-profit institution that serves a defined membership base, offering core banking services, deposit accounts, loans, and basic financial products designed to meet community needs. Its organizational structure centers on democratic governance, with members typically having a voice in strategic decisions through elected representatives and annual meetings.
Historically, credit unions in the United States emerged to provide accessible financial services to working individuals and local communities, emphasizing cooperative principles and prudent financial management. Together Credit Union participates in these principles by maintaining member eligibility, pursuing financial sustainability, and delivering services through branches and affiliated channels. The organization operates within the regulatory framework governing credit unions in Missouri, adhering to guidelines that govern safety, soundness, and consumer protections. Its primary functions include safeguarding members’ deposits, facilitating transactions, and underwriting loans consistent with credit union policies.
In addition to the primary service, Together Credit Union also offers:
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Together Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Together Credit Union is listed as a financial service provider in O'Fallon, MO and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Together Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Together Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Together Credit Union with other providers in O'Fallon and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Together Credit Union has a rating of 3.2, compared to the city average of 4.6.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Together Credit Union requests. It is always best to call ahead using the phone number on this page so Together Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Together Credit Union also offers: Credit union, ATM, Bank, Mortgage lender.