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 of your built-up equity. Save more money with no closing costs*. Limited-time offer. Apply online or in a branch today.

Apply online More about HELOCs

Make the smart credit card move

Pay no fees when you transfer higher-interest balances to an Arsenal credit card. Rates start as low as 9.90% APR**.

Apply online More about credit cards

Earn 4.25% APY*** with Premier Checking

Earn the stated rate on balances up to $15,000. Open your account in just a few minutes. Or, contact us and a staff member will help you get set up.

More about Premier Checking Open account online

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

Do more with your home’s available equity. Pay no closing costs and save up to $1,500*.

Discover home equity 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 6.1.2026, 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 5.1.2026. 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.}

Premier Checking

^{***APY=Annual Percentage Yield. Rate as of 5.1.2026 and subject to change without notice. This account is subject to a Tiered Variable Rate. Balances up to $15,000 receive APY of 4.25%; balances over $15,000 earn a rate of .08% on the portion over $15,000 resulting in 4.25% – 0.61% APY depending on balance (APY range calculated assuming a balance of $15,000). If qualifications for higher yield are not met, all balances earn .08% APY. In order to avoid a $5.00 monthly fee, you must maintain an average daily balance (ADB) of $2,500.00 in your account each month. In order to earn the disclosed APY and be reimbursed for domestic ATM fees incurred (during each dividend period you will be reimbursed up to a total of $25.00, if qualifications are met), during each dividend period you must: (a) make 15 or more debit card transactions using your Visa Check Card (that post and clear your account as evidenced by your monthly statement); (b) consent to receive your periodic statements electronically (eStatements); and (c) make at least one direct deposit transaction into the Premier Checking account each dividend period.}