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Together Credit Union is a financial cooperative that provides a comprehensive range of banking products and services to its members. As a credit union, it is member-owned and operates on a not-for-profit basis, meaning profits are returned to members in the form of lower loan rates, higher savings rates, and reduced fees. Their offerings include personal banking services like checking and savings accounts, loans (auto, home, personal), credit cards, and investment services. They also provide business banking solutions, including checking, savings, loans, and treasury management. The credit union emphasizes its local community ties, personal service, and commitment to financial education for its members. Their primary service area appears to be St. Louis, Missouri, and surrounding counties, along with specific employer groups. They position themselves as a trusted financial partner focused on helping members achieve their financial goals, distinguishing themselves from traditional banks through their cooperative structure and member-first philosophy.

Major Markets

United States flagUnited States
Canada flagCanada
Mexico flagMexico

Select a competitor

Bank of America

Commerce Bank

Visions Federal Credit Union

Top Marketing Channels

Bank of America

  • Digital Advertising
  • Examples: Google Ads, Social Media Ads, Display Ads
  • Campaigns: Preferred Rewards Program, Digital Banking Features, Credit Card Offers
  • Content Marketing
  • Examples: Financial education articles, YouTube tutorials, Blog posts
  • Campaigns: Better Money Habits, Small Business Resources, Home Buying Guide
  • Email Marketing
  • Examples: Newsletter subscriptions, Personalized offers, Account updates
  • Campaigns: New Account Welcome Series, Loan Pre-approval Offers, Rewards Program Updates

Top Sales Channels

  • Branch Network
  • In-person consultations, Account opening, Loan applications
  • New Account Promotion, Mortgage Application Drive, Small Business Onboarding
  • Online Banking Platform
  • Account self-service, Online loan applications, Digital wealth management tools
  • Digital Account Opening Campaign, Online Mortgage Application, Mobile App Download Drive
  • Call Center/Telesales
  • Customer support, Product inquiries, Outbound sales calls
  • Credit Card Acquisition, Personal Loan Outreach, Wealth Management Consultations

Together Credit Union SWOT Analysis

Strengths

Extensive global presence and brand recognition

Diverse product portfolio across retail

investment

and wealth management

Robust digital banking and mobile app capabilities

Weaknesses

Perceived as less personal than local banks/credit unions

High fees compared to some competitors

Subject to large-scale regulatory scrutiny and fines

Opportunities

Expansion into new FinTech partnerships

Growth in sustainable and ESG investing

Leverage data analytics for hyper-personalized offerings

Threats

Intense competition from other large banks and FinTechs

Economic downturns impacting loan demand and credit quality

Cybersecurity threats and data breaches

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