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Earn up to $200 when you join Arsenal Credit Union

Consumer Tips
Earn up to $200 when you join Arsenal Credit Union

We’re open.

Open an account at a branch or in your pajamas from home. Schedule a branch visit, start a live chat or open your account online and earn up to $200. Branch lobbies are all open in Missouri. Available by appointment in Illinois.

From now until April 30, you can earn up to $200* when you open an account at Arsenal Credit Union

  • Earn $150 when you open a savings account, checking account with a debit card and download our mobile banking app.
  • Earn $150 when you open a savings account and a loan of any type (home equity, personal or business loan, auto loan, auto refinance, credit card, etc.).
  • Earn $200 when you open a savings account, checking account with a debit card, open a loan and download our mobile banking app.

Three easy ways to get started

Open your account online

Start a live chat

Schedule a branch visit

Shake loose from your bank. Open your account today!

There are no hoops to jump through and no crazy deposit requirements to meet. We just want you to experience the credit union difference.

Discover a better, easier way to bank. Pay less interest on loans. Support your community by banking at a local financial institution. Below, learn more about how we’re different.

We offer the mobile solutions you want

credit score


Simple solutions for your everyday banking needs

Never want to visit a branch again? We can help you out. Our mobile banking app lets you:

Plus, we’ll soon launch Live Video Banking, giving you the chance to speak to an Arsenal rep face-to-face using your computer or mobile device.

When we say Totally Free Checking, we absolutely mean it


Most financial institutions have eliminated free checking accounts. Not us.

We offer this totally free option without any minimum balance requirement. When you open your account at a branch, we’ll give you an instant-issue debit card to start using right away. Open it online and we’ll send your debit card in a secure, non-descript envelope.

Want to grow your savings? Enroll in our Spend to Save program and have each transaction you make with your debit card rounded off and deposited into your savings account. You can even earn rewards points on your purchases when you run your debit card as credit.

Learn more about Totally Free Checking

Learn more about our Business Checking options

It’s our goal to save you and your family money on loans


We specialize in saving you money on auto loans

We collectively saved members $267,179.04 on bad auto loans from other lenders in 2020. In November 2020, Carissa K. initially got an 18.00 percent rate elsewhere and qualified for a 4.84 percent annual percentage rate with us, saving her $7,036.31 full term!

Learn more about refinancing an auto loan

Our rates are often lower than those offered by big banks and retail stores on credit cards.

Need a home equity loan? You’ll pay no closing costs**, saving you between $500 to $1,500. Plus, you have the opportunity to borrow up to 100 percent of your available equity.

Need a branch? No problem.


You’re never that far away from a credit union

As an Arsenal member, you have access to four convenient branches across the St. Louis metro region. But that’s not all…

Access your money at close to 30,000 free ATMs across the country, including 250+ in the St. Louis area. Just look for the CO-OP logo. As a credit union member, you can visit 5,600+ other credit union shared branches around the country, including more than 70 in the St. Louis metro area, to make deposits, transfer funds and pay your loans.

Open your account today!

Three easy ways to get started

Open your account online

Start a live chat

Schedule a branch visit

*The $150 deposit for checking account with debit card and mobile banking will be paid 15 days after first transaction with Arsenal Credit Union debit card. The $150 deposit for opening a loan will be paid 15 days after member closes. The bonus $50 incentive for opening a loan, plus checking account w/ debit card and mobile banking will be paid when all of the above requirements are met within 15 days of account opening. Subject to credit approval. Proof of consistent income is required. New members only. Membership eligibility required. Must be age 18+. Must mention this offer to the credit union during account opening. Member must remain in good standing with the credit union. Must have valid ID at account opening. May not be combined with other offers. Bonus will be reported as a dividend. Offer expires Friday, April 30, 2021.

**ACU may pay closing costs for home equity loans or lines of credit. If the borrower repays the loan within the first 12 months, the borrower must reimburse the credit union for the closing costs. Borrower is responsible for obtaining and paying for comprehensive insurance to cover the value of the real estate.

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