Earn $100 this week only!*

Your kid can earn up to $100 when they open a new account at the credit union. Limited-time offer available August 17-22. Accounts must be opened at a branch.

Kids 12 and under can earn $100 when they open a new Tracker Kids Club savings account and deposit at least $25. Teens 13-18 can earn $100 when they open a Free Checking account with a debit card and make at least five transactions.

Find a branch near you View official rules

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 0nly, 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

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

Back-to-School Youth Account Sale (August 17-22)

^{*Offer valid from Monday, Aug. 17, through Saturday, Aug. 22. For ages 12 and under: Receive $100 deposited into an account when you open a new Tracker Kids Club savings account with a minimum deposit of $25 at Arsenal Credit Union. Requires an adult to be on the account and present at account opening. The incentive will be paid within 30 days of account opening if account is in good standing. For teens ages 13-18: Receive $100 deposited into an account when you open a new teen Free Checking account. Must be between the ages of 13-18 and mention this offer at account opening. Accounts for teens ages 13-17 require an adult to be on the account and present at opening. Teens 18 years of age and adults opening accounts for teens ages 13-17 may need specific forms of identification to open an account such as a driver’s license, proof of address (utility bill), a credit card and your Social Security Number. The $100 deposit will be paid within 30 days after the checking account with debit card is opened and the member makes at least five (5) debit card transactions (a deposit will be required to receive a debit card). Savings account with a $5.00 min. deposit required to open checking account. For both offers: Must mention this offer at account opening. Not valid for current members. Membership eligibility required. Members must remain in good standing with the credit union. deposit required to join. May not be combined with other offers. Bonus will be reported as a dividend.}

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.}