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    Hi! Is there something I can help you find?

    • 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
      • A car
      • 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
          • 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
      • 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
    • 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
      • 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
          • Getting free checks
      • 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
      • 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
      • Sending money to family and friends
    • 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
      • 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.
    Blog Auto

    Refinance Your Auto Loan

    Auto
    Refinance Your Auto Loan

    Refinance Your Auto Loan in St. Louis

    From now until Dec. 31, 2021, refinance your auto loan from another lender at Arsenal Credit Union and get a 1% cash-back bonus. Add 90 days with no payments, and you’re on the road to savings*.

    No one wants to be stuck paying too much for their car with their current auto loan. Get a better deal on your monthly payment in St. Louis, Jefferson County, the metro-east area and several other counties in Missouri when you refinance your car loan at Arsenal Credit Union.

    Refinance Your Auto Loan

    Since March 2017, we’ve collectively saved our members $1,485,207.60 by refinancing their bad, original loans from other lenders.

    Competitive rates and long loan terms make it cool to refinance at Arsenal Credit Union

    Through the first seven months of this year, we have saved people like you an average of $3,629 in total interest** by refinancing bad auto loans they had elsewhere. In July 2021, we helped a member who will end up saving $9,763.10 in interest full term. Plus, we shortened their payment length from 79 to 60 months!

    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 $244,312.47 (through August)
    • 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 calculate your monthly auto loan payments 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 current auto loan from another lender to us.

    Complete the short form below and we will get back to you with your potential savings, monthly payment and new loan term during normal business hours. You can also contact our Auto Loan Refinance Specialist, Tracey Fleischman, directly at 314.501.2455 or tfleischman@arsenalcu.com.

    Refinance Your Auto Loan

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

    Refinance your auto loan in St. Louis
    Keep more cash in your pocket each month with our potential savings

    Click on a month/member below to see how much our competitive rates saved members in total interest on their auto loan payments after they switched their original loans to us.

    Aug. 2021: Je’nine V.
    • Initial rate from another lender: 10.00% APR from Navy Federal Credit Union
    • New rate from Arsenal based on creditworthiness: 4.25% APR
    • Auto loan amount refinanced: $30,294.29
    • Total interest savings: $6,371.60 (with term shortened from 73 months to 69 months, too!)

    July 2021: Carl K.
    • Initial rate from another lender: 18.00% APR from Wells Fargo Bank
    • New rate from Arsenal based on creditworthiness: 8.25% APR
    • Auto loan amount refinanced: $19,935
    • Total interest savings: $9,763.10 (with term shortened from 79 months to 60 months, too!)

    June 2021: Tyese W.
    • Initial rate from another lender: 26.50% APR from Flagship Credit Acceptance
    • New rate from Arsenal based on creditworthiness: 10.24% APR
    • Auto loan amount refinanced: $20,701.36
    • Total interest savings: $14,557.66

    May 2021: Mindi C.
    • Initial rate from another lender: 19.00% APR from Santander Bank
    • New rate from Arsenal based on creditworthiness: 11.24% APR
    • Auto loan amount refinanced: $27,107.89
    • Total interest savings: $9,974.01 (with term shortened from 74 to 63 months, too!)

    April 2021: John M.
    • Initial rate from another lender: 8.45% APR from Chrysler Capital
    • New rate from Arsenal based on creditworthiness: 3.24% APR
    • Auto loan amount refinanced: $36,483.38
    • Total interest savings: $6,988.02 (with term shortened from 73 to 63 months, too!)

    March 2021: Sammie H.
    • Initial rate from another lender: 13.55% APR from USAA
    • New rate from Arsenal based on creditworthiness: 5.75% APR
    • Auto loan amount refinanced: $22,719.90
    • Total interest savings: $7,933.03 (with term shortened from 60 to 48 months, too!)

    February 2021: Dan B.
    • Initial rate from another lender: 17.92% APR from Toyota Finance
    • New rate from Arsenal based on creditworthiness: 6.74% APR
    • Auto loan amount refinanced: $22,646.21
    • Total interest savings: $8,495.42 (with term shortened from 60 to 57 months, too!)

    January 2021: Don C.
    • Initial rate from another lender: 10.59% APR from Ally Financial
    • New rate from Arsenal based on creditworthiness: 4.74% APR
    • Auto loan amount refinanced: $49,306.93
    • Total interest savings: $10,168.26

    Refinance Your Auto Loan

    *Subject to credit approval and proof of consistent income is required. Offer valid through Dec. 31, 2021. The 1% rebate is calculated off the amount of the new loan and deposited into your Arsenal savings account after the loan has been in good standing for six months. For example, on a $30,000 auto loan balance, you’d receive $300. Maximum incentive is $300. Does not apply to existing Arsenal loans. Interest will continue to accrue during the 90-day deferral period. Must mention this offer when applying.

    **This figure is based on all members who refinanced an auto loan through Arsenal Credit Union between January-July 2021 and accepted their final terms. To evaluate savings on a loan you are considering refinancing, it is important to compare your APR and remaining term from your existing auto loan to the APR and term offered by Arsenal Credit Union.

    Membership eligibility required. Qualifying is easy! See if you’re eligible here.