HELOC Special Offer

Tackle your home projects for less

Get 4.99% APR* for the first six months of your next home equity line of credit. Borrow up to 100 percent and pay no closing costs*.

This offer is available for a limited time only, so apply online or visit a branch today. View terms and conditions.

Apply online More about HELOCs

Make the smart credit card move

Looking for one of the best credit cards for balance transfers? Pay no fees when you transfer high-interest balances to an Arsenal credit card. Rates start as low as 9.90% APR**.

Apply online More about credit cards

Checking that fits your life

Gain more control and keep more of your money in your own wallet.

Open your account online. Or, visit us at a branch and get an instant-issue debit card when you open in person.

Free Checking

Pay no monthly fees

Keep no minimum balance requirement

Perfect for everyday spending and bill paying

Free Checking

Premier Checking

Earn up to 4.25% APY*** on balances up to $15,000

Fewer "hoops" than similar accounts elsewhere

Checking flexibility with CD-level interest

Premier Checking

Your money. Anytime, anywhere.

Get more access to your money. Take more control over your accounts. Make more time for yourself. Plug into our digital banking solutions for streamlined access to your finances.

Security

Manage your debit and credit cards, set up alerts and control how to access your accounts.

Learn about account security

Life goals

Raise your credit score, get a better rate on your next loan and meet your savings goals.

Plan your life goals

Convenience

Start a live chat right now to get quick answers to your most common questions with an AI-powered assistant.

Get answers, fast

Custom lending solutions

A loan isn’t just a large sum of money — it’s a big step toward your life goals.


What do you want to accomplish?

We’re here to help you with low rates, flexible terms and expert knowledge.

Auto

Lower monthly payments. Quick decisions. Get your vehicle when you need it.

Everything about auto loans
Auto refinancing

Stuck paying too much on a loan from another lender? See if you can get a lower rate and a more flexible repayment term with us.

Save big bucks by refinancing
Personal

Fund a vacation, destination wedding or anything else you can dream of.

More about personal loans
Home equity

Borrow up to 100 percent with home equity line of credit financing. Pay no closing costs and save up to $1,500*.

Discover HELOC options
Business

Find a lending option that works for your small business. Our 100-percent local team will work with you every step of the way.

View business lending options

Plan for your future

Everyone has unique savings goals. Whether you’re just starting out or planning on retiring soon, we offer custom products and advice to help you reach those goals.

Basic savings

Every Arsenal member starts with $5.00 in a savings account. Grow it with direct deposits, paycheck deductions and automatic savings tools.

More about our savings options
Earn interest

Open a money market or certificate of deposit to earn more interest on your savings.

Earn more interest
Financial advice

Find more information about 401(k)/IRA rollovers, retirement planning, insurance, saving for college and much more.

Visit Arsenal Investment Center

A St. Louis credit union for you, for good


100-percent local

We’re digital when you want it, but local when you need it. Visit us at any of our four full-access branches.

View locations

Not-for-profit

The profits we make go back to you in the form of lower rates on loans and enhanced digital products.

Community involvement

We give back in more ways than just lower rates on loans. Learn more about how we help the people in the communities we serve

Community involvement projects

What are people saying?

“I am just telling the truth! Arsenal Credit Union is everything you want banking to be!”

Kenneth Fitzgerald

Member

“I always recommend Arsenal. I've been to other places and wasn't impressed. I stay with you because there has never been a time where my needs weren't met.”

Anthony Shamus, Jr.
Member

“I have never experienced anything except top-notch service and reliability with ACU either in person or online.”

Stephanie Brown

Member

“Easy to get things done.”

Patricia Heidecker
Member

Terms and Conditions

Home Equity Line of Credit Intro Rate

*APR=Annual Percentage Rate. Introductory rate is fixed and applicable for first 6 months following open date. Available on new lines of credit only. Offer not available for refinancing existing Arsenal HELOCs. After 6-month introductory period, a variable rate will go into effect and may change monthly based on the value of an index – on 80% equity loans, it will be equal to the Prime Rate as published in The Wall Street Journal; on 100% equity loans, Prime plus a 1.00% margin. As of 7.1.2026, the Prime Rate APR was 6.75%. APR will not be lower than 4.50% on 80% equity loans or 6.00% on 100% equity loans, and the APR will not exceed 20.00% in either case. Minimum loan amount is $5,000 and maximum is $250,000. Maximum loan amount is determined by the amount of equity in your home, based on appraised value. Subject to credit approval. Loan features 10-year draw and 20-year repayment period. Rates, terms, and conditions subject to change without notice. Missouri and Illinois residents only. Properties securing home equity lines of credit must be in Franklin County, Jefferson County, St. Charles County, St. Francois County, St. Louis County or City, Ste. Genevieve County or Washington County, and select Illinois counties (Madison, Monroe, Randolph, St. Clair). Property insurance will be required and flood insurance where necessary. Closing costs may be waived; however, if you withdraw your application, are unable to proceed, or close out the loan within 36 months, you will be responsible for third-party fees incurred. Credit union membership and qualifications are required. Loan terms and conditions depend on credit qualifications and approval.

Credit Cards

**APR=Annual Percentage Rate. Rates as of 8.1.2026. Subject to change. Read our credit card agreement and disclosure. Credit union membership and qualifications are required. Loan terms and conditions depend on credit qualifications and approval. See if you’re eligible to join the credit union here. For assistance opening accounts, applying for loans and other general inquiries, start a live chat during normal business hours.

Open your Arsenal account today

We’re here to help you become the best financial version of yourself

Apply online Talk to a St. Louis credit union rep