Earn more. No math skills required.

Start earning 4.25% APY* on balances up to $15,000 when you open a Premier Checking account. Meet just a few, easy requirements to keep your account earning big.

Open your account online in just a few minutes. Or, stop by a branch and open your account in person.

Boost your borrowing power

Take charge of home projects, consolidating debt and any other major purchases using a home equity line of credit (HELOC). Borrow up to 100 percent and pay no closing costs. Apply online, fast.

Or, get started on your dreams of homeownership with a mortgage with help from a St. Louis credit union. Qualified first-time borrowers could receive down-payment assistance.

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 — borrow up to 100 percent. 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

Premier Checking Terms & Conditions

*APY=Annual Percentage Yield. Rate as of 9.1.2025 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.