Earn more money on your savings

Find a better advertised rate at another financial institution. We’d love to match it.

Fill out the request form below and our team will review it and get back to you. We’ll respond to all rate match requests with either a counter rate offer or approve your original submitted rate. Rate match can be from any bank or credit union, with the exception of online-only financial institutions.

All it takes is a minimum deposit of $500 to earn interest. If you deposit a minimum of $2,500 of funds from an outside account into a new CD at Arsenal, you’ll earn a 0.25% APY* rate bump.

CD Rate Match Request

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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 covered to at least $500,000.

This additional level of insurance is unique to credit unions. Arsenal members are some of the few in the St. Louis area with access to this coverage!

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What are Arsenal’s current rates on CDs?

Get a great rate on short-term 6-month, 12-month and 18-month CDs. Earn our highest rate on 15-month CDs. If you find a better rate, we want to match it!

TermMinimum Balance to Earn*APY/Interest RateWith IRA CD – APY/Rate
3-month Monthly$5002.75% / 2.722%2.75% / 2.722%
6-month Quarterly$5004.00% / 3.941%4.00% / 3.941%
12-month Quarterly$5004.35% / 4.281%4.35% / 4.281%
15-month Quarterly$10,0005.15% / 5.053%5.15% / 5.053%
18-month Quarterly$5004.55% / 4.474%4.55% / 4.474%
24-month Quarterly$5003.50% / 3.455%3.50% / 3.455%
36-month Quarterly$5003.55% / 3.504%3.55% / 3.504%
48-month Quarterly$5003.60% / 3.552%3.60% / 3.552%
60-month Quarterly$5003.65% / 3.601%3.65% / 3.601%

*APY=Annual Percentage Yield. Rates as of 11.1.2023 and subject to change without notice. If member finds a higher advertised rate at another financial institution, they can submit proof of the competing ad/email/screenshot for the same term via the cd rate match form at arsenalcu.com, or they can bring the competing ad to their local Arsenal branch. Rate match can be from any financial institution, with the exception of online only financial institutions. If the advertised rate is for a term that Arsenal does not currently offer, the credit union will match at the closest term offered. Limit one CD per rate match. Not eligible on current CDs at the credit union. New CD must be opened. 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. Minimum deposit of $500 required to earn interest. The minimum balance requirement is $100 for members age 18 and under to earn the stated APY. 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. Credit union membership and qualifications are required.

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