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Membership Perks

"Bar none the best. They treat us like gold each and every time. You could not ask for better management or staff. Simply awesome."

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  • Rewards


    Member Referral Program - 19 years old couple enjoy outdoors. They are having fun at the shopping centre with trolley

    Refer a Friend to Arsenal

    Receive up to $100 each year for referring friends to the credit union. For each friend you refer, earn $25. If that friend opens a checking account with a debit card, a loan or a credit card, earn another $25. Click here for information.

    Rewards points

    Points earned for credit card and debit card usage can be redeemed for gift cards, merchandise, travel, etc. Our Points to Cash program also allow members to make payments to their Arsenal credit card using their accumulated points.

    Purchase rewards

    When you have an online banking relationship with us, you can get purchase rewards at stores and restaurants you visit when you use your Arsenal Visa debit card and spend the amount within the time specified in the offer.

    Tracker Kids Club

    Youth members (ages 12 and under) receive incentive prizes for saving their money at the credit union, cash for getting good grades in school (K-6) and higher interest than adult accounts earn.

    Interest-refund auto loan

    When you finance an auto with Arsenal and meet some other simple requirements, you will get back your last year of interest! Ask for details.

    Sprint cash rewards

    As an Arsenal member, when you switch your cell phone plan to Sprint® you will earn a $100 cash reward for every new line (up to three). If you are currently a Sprint customer and have an account with Arsenal, you will receive a $50 cash reward for every line transferred into Sprint Credit Union Cash Rewards; register here.

    Once you are enrolled in the program, you will get a $50 loyalty cash reward every year for every line. In 2017, our members received a total of $21,400. Find out more about Sprint’s best Credit Union Member Cash Rewards offer ever.

    Offers/coverage not available everywhere or for all phones/networks. May not be combined with any other offers. Offer, terms, restrictions, and options subject to change and may be modified, discontinued or terminated at any time without notice. Restrictions apply.

    Claim Sprint Reward

    Scholarship program

    Members graduating from high school can earn college scholarships ranging from $1,200 to $1,500 from the credit union for excelling in the classroom and doing volunteer work in the community.

    Click here to download the application.

  • Discounts

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    Auto insurance

    Arsenal members may qualify for discounts and save up to $509 on car insurance through the TruStage® Auto Insurance Program. Visit to learn more.

    Loan applications

    We don’t change any application or origination fees on any loans, while some other lenders charge $25-$125.

    Home insurance

    The TruStage® Home Insurance Program helps Arsenal members safeguard their house and everything in it with coverage underwritten by Liberty Mutual Insurance Company. Visit to learn more.

    Notary service

    Free for members. Non-members pay $2.00. Come into any of our branches

    Check printing

    A 50% discount on check printing (upscale designs) is given to members who have an Advantage Plus checking account (regal-style checks are free for such accounts). There is also no issue fee for Visa TravelMoney cards (normally $6.95) for members who have this particular checking account.

    Closing costs on home equity loans and lines of credit

    When you finance through us, we pay for all of your closing costs (appraisal, title, flood certification, and recording fees), saving you between $600-$800 on a home equity loan/line of credit.

    We do this year-round! See credit union for exclusions and other details.



  • Services

    Browse. Compare. Finance. Save. Click here to start your search today.

    Auto Shopping Center

    Use the online auto search engine to shop, research, buy and finance a new or used vehicle. Compare pricing, discover trade-in values, get free CARFAX reports and more! Our tool has more dealers and inventory than most other sites – 120 dealers within 100 miles of St. Louis. Information on the site is provided in real time and updated every day.

    Member Home Loan (MHL)

    Let our fast, professional mortgage team guide you through the process and help you determine which type of mortgage product best fits your need. Our licensed loan officers are only a phone call away, 832.912.2151.

     Credit Union Lending Systems (CULS):

    More than 200 dealerships throughout Missouri and Illinois offer on-the-spot Arsenal financing. This includes autos, boats, personal watercraft, motorcycles, ATVs, RVs, etc. When you visit one of these locations, don’t get talked into any other “deals” offered; insist on Arsenal financing.

     Enterprise Car Sales

    Apply for and close on an Arsenal Credit Union auto loan at seven St. Louis-area Enterprise Car Sales locations. Search their inventory or contact Arsenal for more information. Each vehicle sold on an Enterprise lot has passed a 109 multi-point inspection!

    Shop More than 200 dealerships

    *This list does not indicate an endorsement for these manufacturers, dealers or services.



  • Insurance

    Free/low-cost AD&D insurance

    Members age 18 and older are entitled to $1,000 of no-cost TruStage® Accidental Death and Dismemberment Insurance – an exclusive member benefit paid for by Arsenal Credit Union. All you have to do is claim it; visit or call 1.800.798.8798 to activate it. AD&D insurance could be a nice supplement to life insurance and can pay a cash benefit for loss of life, hand, foot, eye, thumb, speech or hearing as a result of an accident. Acceptance is guaranteed – with no health questions or medical exam. You can add more coverage for yourself or add coverage for your spouse or entire family at a cost between $1 and $1.50 per month for every $10,000 of individual TruStage AD&D Insurance.

    TruStage AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. AD&D Base Policy Series E10-ADD-2012 and E10a-014-2012. ADD-1607683.1

    Help protect your family against the unexpected with Debt Protection with Life Plus

    Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. Life Plus adds protection for financially stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave and the loss of life of a non-protected dependent. It’s easy to apply for Debt Protection with Life Plus. It’s voluntary and won’t affect your loan approval. Call Arsenal Credit Union at 314.962.6363 and ask about protecting your loan today.

    Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. DP-2098950. 1-0418-0520 © CUNA Mutual Group 2018, All Rights Reserved.

    Learn more about Debt Protection with Life Plus.

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    Young boy playing in a field. Image has a yellow bokeh effect

    Low-cost life insurance

    You’ve always done what’s right for the ones you love. Taking steps to ease the financial burden if you were to die is just one more way to show you care. TruStage® Life Insurance pays an income-tax free, cash benefit that your family can use for any reason – like funeral expenses, mortgage payments or unpaid debts. TruStage helps make it easy to compare insurance and explore options you can afford – so you can make a good decision today for your family. Get an instant quote online today. Or, call 1.888.888.0375 and talk to a licensed agent. TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of February 2017 by A.M. Best, an independent rating service that evaluates financial stability and operating performance. “A” is the third-highest of 16 ratings.

    TruStage Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. ©2017 TruStage Insurance Agency DTCG-1753162 1

    Low-cost GAP

    Most insurance policies only cover the value of your vehicle if it is stolen or totaled in an accident. Because that value rapidly declines during the first few years of ownership, your loan balance could be higher than the value of your vehicle, which means you may still owe money on it. You can protect your new or used vehicle, motorcycle, ATV, boat, personal watercraft, RV or snowmobile with guaranteed auto protection (GAP), a loan deficiency waiver that covers the “gap” between the vehicle’s value and the amount you still owe. The cost for GAP coverage through Arsenal is usually much cheaper than what dealerships charge. You can add it to your loan at closing or pay for it all at once anytime during your loan.