Lower your monthly car payment, pay less in total interest
Since March 2017, when we began tracking how much we were saving members by refinancing auto loans they had from other banks, credit unions and financing companies owned by auto manufacturers, we have collectively saved our members $1,183,337.
A year-by-year breakdown on how much we’ve saved our members
- 2020: ACU saved members $209,621.26 (through September)
- 2019: ACU saved members $369,818.25
- 2018: ACU saved members $337,124.18
- 2017: ACU saved members $266,773.66
Learn more about what makes our auto loans different than other lenders.
See if we can help you save money
We’re happy to do the calculations for you!
Using the year of your vehicle, your current loan rate, term and remaining balance, we’ll compare it with our rates and terms based on your current credit score to determine how low your payments could be and how much we could save you overall. There are no credit union fees to move your auto loan from another lender to Arsenal.
Contact our auto refinance specialist, Tracey Fleischman, directly at 314.919.1046 or complete the short form below and we will get back to you during normal business hours.
A look at which Arsenal member saved the most money each month
The table below shows you just how much lower our interest rates are compared to others and how much less in interest our members had to pay after switching to us.
| Arsenal CU Member | Month | Initial Rate from Another Lender | Rate from Arsenal CU Based on Creditworthiness | Auto Loan Amount Refinanced | Total Interest Savings |
|---|---|---|---|---|---|
| Delbert C. | September 2020 | 5.63% from BMO Harris Bank | 3.35% APR from Arsenal | $36,241.13 refinanced | $4,193.18 in total interest savings (with term shortened from 84 to 63 months, too!) |
| Baylee L. | August 2020 | 14.27% from a local credit union | 4.74% APR from Arsenal | $15,472.34 refinanced | $6,145.38 in total interest savings (with term shortened from 78 to 72 months, too!) |
| Brian M. | July 2020 | 13.00% APR from Ally Financial | 5.49% APR from Arsenal | $29,908.32 refinanced | $9,561.39 in total interest savings (with term shortened from 75 to 72 months, too!) |
| Michelle K. | June 2020 | 22.00% APR from Westlake Financial Services | 6.49% APR from Arsenal | $18,725.15 refinanced | $12,103.37 in total interest savings (with term shortened from 72 to 69 months, too!) |
| Jeff H. | May 2020 | 6.75% APR from PNC Bank | 4.25% APR from Arsenal | $56,486.25 refinanced | $6,287.08 in total interest savings (with term shortened from 84 to 78 months, too!) |
| Timothy W. | April 2020 | 23.00% APR from Santander Bank | 4.00% APR from Arsenal | $17,201.52 refinanced | $10,131.64 in total interest savings (with term shortened from 72 to 63 months, too!) |
| Charles P. | March 2020 | 6.93% APR from PNC Bank | 3.99% APR from Arsenal | $39,838.90 refinanced | $8,399.80 in total interest savings (with term shortened from 84 to 63 months, too!) |
| Deborah D. | February 2020 | 6.58% APR from Ally Financial | 4.50% APR from Arsenal | $57,552.18 refinanced | $6,349.00 in total interest savings (with term shortened from 84 to 72 months, too!) |
| Jason A. | January 2020 | 7.00% APR from GM Financial | 3.99% APR from Arsenal | $35,642.84 refinanced | $4,407 in total interest savings (with term shortened from 72 to 63 months, too!) |
| William P. | December 2019 | 8.85% APR from Wells Fargo Dealer Services | 5.74% APR from Arsenal | $21,283.12 refinanced | $2,924.66 in total interest savings (with term shortened from 75 to 72 months, too!) |
| Romeo S. | November 2019 | 21.00% APR from Westlake Financial Services | 6.25% APR from Arsenal | $18,186.46 refinanced | $9,886.96 in total interest savings (with term shortened from 72 to 69 months, too!) |
| Simon F. | October 2019 | 9.98% APR from Santander Bank | 3.99% from Arsenal | $24,415.46 refinanced | $6,335.27 in total interest savings (with term shortened from 72 to 60 months, too!) |
| Dylan H. | September 2019 | 13.50% APR from Ally Financial | 4.74% APR from Arsenal | $20,854.75 refinanced | $6,556.35 in total interest savings (with term shortened from 72 to 69 months, too!) |
| Gloria M. | August 2019 | 18.59% APR from Capital One Auto Finance | 5.74% APR from Arsenal | $19,958.89 refinanced | $9,279.02 total interest savings (with term shortened from 72 to 63 months, too!) |
| Larry T. | July 2019 | 18.00% APR from Ally Financial | 7.99% APR from Arsenal | $19,358.26 refinanced | $7,379.29 total interest savings |
| Braden Y. | June 2019 | 10.55% APR from Bank of West | 5.34% APR from Arsenal | $55,729.17 refinanced | $13,844.29 total interest savings (with term shortened from 84 to 72 months, too!) |
| Christine S. | May 2019 | 23.00% APR from Santander Bank | 5.50% APR from Arsenal | $26,518.75 refinanced | $23,896.33 total interest savings (with term shortened from 84 to 72 months, too!) |
| Connie F. | April 2019 | 8.62% from Ally Financial | 5.00% APR from Arsenal | $21,730.03 refinanced | $4,228.32 total interest savings |
| Brenda A. | March 2019 | 12.50% APR from Ally Financial | 5.00% APR from Arsenal | $25,685.28 refinanced | $8,828.34 total interest savings (with term shortened from 75 to 63 months, too!) |
| Gushner W. | February 2019 | 7.59% APR from a large, local CU | 6.00% APR from Arsenal | $53,242.33 refinanced | $3,540 total interest savings |
| John O. | January 2019 | 8.06% APR from Denali State Bank | 5.75% APR from Arsenal | $17,700.77 refinanced | $2,843.71 total interest savings (with term shortened from 84 to 60 months, too!) |