More earnings with less commitment

All it takes is a minimum deposit of $500 to see your money grow in a matter of months. Or, earn a 0.25% rate bump when you open your CD with a deposit of $2,500 or more from an account outside of Arsenal.

Choose from three CD options tailored for your convenience.

  • 3-month term: 2.75% APY*
  • 6-month term: 4.00% APY
  • 12-month term: 4.35% APY

Open your CD in-person at one of our four area branches. Or, give us a call at 314.962.6363 during normal business hours.

If you currently have funds on deposit in lower-paying accounts at other financial institutions, now is the perfect time to move to a short-term CD.

View all CD rates


Increased maximum coverage on deposits

Gain more peace of mind when you deposit your money with us. Through a combination of federal (NCUA) and private (ESI) insurance, your deposits are now covered to at least $500,000.

This additional level of insurance is unique to credit unions. As an Arsenal Credit Union member, you’re one of the few in the St. Louis area who has access to it!

Learn more


Earn our highest rate

Open a Money Mover CD and earn our highest rate of 5.15% APY.

  • Minimum deposit of $10,000 required
  • 15-month term
  • To qualify for highest rate noted, deposits made to Money Mover CD must be new funds from an account outside of Arsenal Credit Union
  • No rate bump allowed

High rates on money market accounts

A money market account gives you even more flexibility with no set term for you to keep your money on deposit. The more you keep on deposit, the more you earn.

Minimum Balance to Earn APYAPY/Interest Rate
$2,500 – $9,9992.00% / 1.982%
$10,000 – $24,9992.50% / 2.469%
$25,000 – $49,9993.00% / 2.956%
$50,000 – $99,9993.25% / 3.203%
$100,000 – and over3.50% / 3.445%

Our money market accounts are totally free. There are no fees if you don’t meet the minimum balance requirement to earn interest.

Make up to six withdrawals each month. You can even set up automatic transfers from your checking account to make saving/earning easy.


*APY=Annual Percentage Yield. Rates as of 10.1.2023 and subject to change without notice. Money Mover CD $10,000 minimum balance, new funds only. No rate bump allowed.

Bonus rate of 0.25% may be applied to any certificate except 15-month opened with new funds of $2,500 or more not currently on deposit at Arsenal Credit Union.

All certificates (with the exception of 3-month term) have the option of paying quarterly or monthly interest that would be transferred to another Arsenal Credit Union account. Interest checks may be paid monthly for all certificates with a $10,000 minimum balance. Selecting any of these interest options will affect the annual percentage yields quoted – the annual percentage yields are calculated based on quarterly compounding of the interest. Fees may reduce earnings on the account. A penalty rate may be imposed for early withdrawal.

Recommended articles

New mobile is ready to download.
Save more time and crush your financial goals faster.

X