Do you have money sitting in a savings account, untouched? Now is your chance to earn more interest with it. Move your savings and make more money with higher, limited-time short term CD rates.

Current short term CD rates

You could earn more on your investment in as little as six months. Your six-month investment into a short term CD earns 5.10% APY**. If you want to earn more even faster, a three-month term on a CD carries an interest rate of 4.50% APY.

Plus, get a 0.25% rate bump if you open a new CD with a minimum of $2,500 in funds not currently on deposit at the credit union.

To get started, visit a branch or start a live chat (bottom-right of the screen).

Open a CD online today

Longer-term CDs

Want to earn even more money over a longer period? A 15-month term on a Money Mover CD carries an interest rate of 5.15% APY***. To qualify for this offer, you must start with a minimum of $10,000 that is not currently on deposit at the credit union. Offer does not receive a 0.25% rate bump.

More coverage on deposits

Gain more peace of mind when you deposit your money into a short term CD. Through a combo of federal (NCUA) and private (ESI) insurance, your deposits at Arsenal are now covered to at least $500,000.

This additional 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 about increased coverage

CD interest calculator

Discover how much you could possibly earn when you open a short term CD. Use our CD interest calculator to make an estimate of your earnings before you commit to a term of any length.

CD interest calculator

Get more flexibility with a money market account

Not wanting to lock up money for a set period of time? No problem. A money market account lets you earn interest while giving you the freedom to make withdrawals.

Right now, you can earn 3.00% APY when you deposit a minimum of $2,500. There’s no minimum balance required to open and never any fees to pay.

Learn more about money market accounts

*APY=Annual Percentage Yield. Rates as of 7.1.2024 and subject to change without notice.

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 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 on this rate sheet – 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 savings account with minimum deposit of $5.00 required to open an account. See if you’re eligible to join.

The minimum balance requirement is $100 for members age 18 and under to earn the stated APY.

**Promotional rate beginning 6.1.2024 ending TBD. Automatic renewal at market rate at maturity.

***Money Mover CD has a $10,000 minimum balance. Only new funds eligible. No rate bump allowed

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