Cash Back Kickoff
*Loan terms are subject to credit approval and qualifications. Applications must be submitted between Sept. 22 and Nov. 30, 2026. To qualify, members must finance or refinance at least $15,000. Existing Arsenal loans are not eligible; refinanced loans must be from another financial institution. A 2 percent rebate, up to $500, will be deposited into the member's Arsenal savings account based on the loan amount financed. For example, a $20,000 loan qualifies for a $400 rebate. Members may qualify for an additional $200 incentive by opening a qualifying product during the promotional period: a checking account with debit card and at least 10 debit card transactions within 30 days, a money market account with a minimum $2,500 opening deposit of new money not currently on deposit with Arsenal, a credit card, or a personal loan. The member must qualify for the auto loan promotion to receive the additional $200 incentive. Members may earn only one additional $200 incentive, regardless of the number of qualifying products opened, with a max. total incentive of $700. Qualifying loans and accounts must remain open and in good standing for 90 days before incentives are paid. Incentives may be forfeited if qualifying accounts are closed within 90 days. After this 90-day period, qualifying incentives will be paid to member’s savings account. Offer cannot be combined with other promotions. Incentives may be considered taxable income. Consult a tax advisor regarding your specific situation. Credit union membership and eligibility requirements apply. A savings account with a $5 minimum deposit is required to establish membership.
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 9.1.2026. 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 9.1.2026 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.
