St. Louis Credit Union & Digital Banking | Arsenal CU

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What would you like to borrow for?
- A home
  - Great, what are you more interested in?
    - I’d like to buy a home, or refinance my current loan.
      - Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
    - I want to make some environmentally friendly home improvements.
      - Let’s get started making our community greener. We offer no-collateral Home Improvement loans just for that. We think you’ll love our rates.
    - I’m more interested in using the value in my home to get a loan.
      - Sounds good. Would you prefer a lump sum of cash for your loan, or more flexible spending?
        
        Lump sum
        
        Sounds like you are looking for a Home Equity Loan. It’s a great way to secure a lower rate, and you can use the money on any expense.
        
        Flexible spending
        
        Great. Check out our Home Equity Line of Credit (HELOC). It’s a flexible way to use your home’s value, particularly for home improvements.
- A car
  - Cool! We have low rates available for both Auto Loans and Recreational Vehicles. We can also refinance your current loan with another institution.
- Something fun
  - What are you interested in?
    - Boat
      - Awesome! Let us help you get on the water. We offer low rates and long terms to make your Boat Loan payments affordable.
    - Personal Watercraft
      - Great! We’re here to help you find your thrill. We offer competitive rates and terms on Personal Watercraft Loans.
    - Motorcycle or ATV
      - You’re one step closer to hitting the open road or trail. We have the right financing on Motorcycle and ATV Loans to make it happen.
    - Motorhome, Campervan or Travel Trailer
      - Yay! Hit the road, Jack! Our low rates and flexible terms on Motorhome, Campervan and Travel Trailer Loans help you explore America.
- Something else
  - Okay. Business or personal?
    - Business
      - Sounds great! We offer a wide range of Business Loans, including loans for vehicles, equipment and real estate.
    - Personal
      - Terrific! We offer Personal Loans for any need, including weddings, vacations and debt consolidation.
- I’m mostly interested in a credit card
  - Sounds good! Be sure to check out our VISA^® Credit Cards page.

What would you like help with?
- Accessing my accounts
  - Okay, how would you like to access your accounts?
    - Online
      - Ok! If this is your first time using Online Banking?
        
        Yes
        
        Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
        
        No
        
        Great. To access your account, simply click “Login” in the upper right hand corner of the page.
    - On my mobile device
      - Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Opening a checking account
  - Great! What do you care most about in a checking account?
    - Earning interest
      - Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
    - Having no fees
      - Sounds good! Make sure you check out our Totally Free Checking account.
    - Getting free checks
      - Great! Take a look at our Advantage Plus Checking account that comes with one free package of checks a year.
- Signing up for eStatements
  - Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
- Getting insurance
  - Perfect, we offer discounts on auto, home and life insurance through our partner.
- Reporting a lost or stolen card
  - We’re sorry to hear that. Is this during or after business hours?
    - During
      - Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
    - After
      - If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
- Taking control of your debit/credit card
  - We have an app for that, and it’s free. Check out Arsenal CardKey today to lock/unlock your cards, set up alerts/controls and so much more.
- Sending money to family and friends
  - You can easily send and receive money with Zelle^®. It’s fast. It’s free. It’s easy. It’s already in online banking and our mobile app.

What would you like to save for?
- An upcoming holiday or vacation
  - Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Savings page and scroll down for more info.
- Retirement
  - It sounds like an IRA (Individual Retirement Account) would be helpful for you. If you’re interested in meeting with a financial advisor to discuss a Roth IRA and other investment options, we can also make that happen.
- College
  - Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
- Something else – and I’d like to earn a good interest rate
  - Do you have some money saved up already?
    - Yes, quite a bit
      - Nice! Are you okay with leaving your money untouched for a while?
        
        Sure
        
        Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
        
        I’d prefer to make withdrawals when I need to.
        
        Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
    - Not much
      - No worries. Once you open a Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
- I’d prefer just a basic savings account
  - Ok! Our Savings account sounds just right for you. It also secures your Arsenal membership.
- I want to make saving automatic
  - We can help. Enroll in our Spend to Save program to have your debit card transactions rounded up to the nearest dollar, with the change deposited to your savings account. You can also set up a payroll deduction to have a part of your paycheck deposited directly into savings each pay period.

Simple, secure digital solutions

Life can be stressful and fast-paced. But we can make it a little easier. Our digital solutions are designed to help save you time, stress and money.

Live Chat

Talk to us on your phone or computer during regular business hours.
Learn More
Lock/unlock your cards

You're in control. Manage your Arsenal debit and credit cards with CardKey.
Control My Cards
Tap. Snap. Deposit.

Deposit checks anytime, anywhere with Mobile Check Deposit on the Arsenal app.
Start Depositing

Send and receive money with Zelle^®

It’s fast. It’s safe. It’s easy. It’s on the Arsenal Credit Union mobile app. Start sending today.

Use more free ATMs

Access your cash at nearly 30,000 ATMs nationwide with no fees, including 250+ ATMs in the STL area.
Find an ATM
Save time. Apply online.

Skip the trip. Apply for a loan from the comfort of your home and receive a quick decision.
Apply for a Loan
Make saving automatic

Need more change in your piggy bank? Our Spend to Save program makes it easy and automatic.
Start Saving

Helping you and our communities.
It’s our job.

Open your account today or ask us how we can help you.

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Just a reminder to guard your online banking login credentials. Arsenal employees will never call/text first to ask for this information.