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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.

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Auto Loan Refinancing

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Auto Loan Refinancing

Refinance Your Auto Loan in St. Louis

Lower your monthly car payment and pay less in total interest

No one wants to be stuck paying too much for their car. Get a great deal on an auto refinance/monthly payments in St. Louis, Jefferson County, the metro-east area and several other counties in Missouri when you switch to Arsenal Credit Union.

Since March 2017, we’ve collectively saved our members $1,743,287 by refinancing bad auto loans from other lenders.

It’s cool to save money on your auto loan

Here’s a short breakdown of how much we’ve saved members since we began tracking refinanced auto loans they had from other banks, credit unions and financing companies owned by auto manufacturers.

2021: ACU saved members $165,470.55 (through June)
2020: ACU saved members $267,179.04
2019: ACU saved members $369,818.25
2018: ACU saved members $337,124.18
2017: ACU saved members $266,773.66

Refinance Your Auto Loan

Let us help you save money in St. Louis with auto refinancing

Refinance your auto loan in St. Louis — We put saving money on the map

We’re happy to do the calculations for you!

Using the year of your vehicle, your current loan rate, term and your 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 us.

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.

Contact Tracey Today

A look at which Arsenal member saved the most money each month

Refinance your auto loan in St. Louis — More cash in your pocket each month

Click on a month/member below to see how much lower our interest rates are and how much less in interest our members had to pay after making the switch to us.

June 2021: Tyese W.

May 2021: Mindi C.

April 2021: John M.

March 2021: Sammie H.

February 2021: Dan B.

January 2021: Don C.