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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


    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 and cash for getting good grades in school (K-6).

    Scholarship Program

    Every year, we award money to members who are graduating high school seniors to put towards their higher education. Learn more about the program here.


  • Discounts

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    Auto insurance

    Arsenal members may qualify for discounts and save up to $665 on car insurance through the TruStage® Auto Insurance Program. Visit TruStage.com 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 TruStage.com to learn more.

    Notary service

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

    Check printing

    Advantage Plus Checking members get one free package of checks per year. 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 $500-$1,500 on a home equity loan/line of credit.

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



  • Services

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    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! Click here to view their inventory.

    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. Apply for a loan online right now.

    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.

    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 TruStage.com/ADD 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

    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 7, 2020 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 Plus

    GAP (Guaranteed Asset Protection) Plus helps cover your loss if your vehicle is stolen or totaled. Most insurance will only cover the value of your vehicle in such instances, but you might owe more on your loan. GAP Plus insurance gives you peace of mind by covering the difference. The “Plus” part is an additional benefit of a $1,000 deduction toward your next loan when you finance your replacement vehicle with ACU within 90 days of the GAP settlement. You can add GAP Plus to your Arsenal loan at any time.