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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.



  • Discounts

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    Auto insurance

    Save up to $519.52 on auto insurance! Arsenal members receive exclusive discounts through TruStage. 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

    Save a bundle on property insurance through TruStage, too; 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, flood letter, title, etc.), which saves you $500-$700. Very few other lenders do this, except maybe during special promotions. We do this year-round! See credit union for exclusions and other details.



  • Services

    Blue hatchback car on the road with lush green farmland in the background


    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! GrooveCar 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 can receive $1,000 Accidental Death and Dismemberment Insurance at no cost. Questions? Call 1.855.612.7910. Members can increase coverage for themselves, a spouse or their family for about $10-$15 every month for every $100,000 in coverage. Apply at

    Low-cost credit disability/credit life insurance

    Credit disability insurance may help make your loan payment, up to the policy maximum, if you become totally disabled due to a covered injury or illness. Credit life insurance is designed to help reduce or pay off your eligible loan balance, up to the policy maximum, should an unexpected life event occur. Ask for more details on MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company.

    Man in a yellow shirt holding his two daughters in his arms in a field of tulips

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

    Low-cost life insurance

    To protect the ones you treasure most, you need the right life insurance plan. Your family could face challenging financial obligations if you’re not there. Plan for them now with benefits to help with: funeral costs and final medical bills; mortgages and other outstanding debts; food, utilities and other living expenses; college or childcare costs; and/or your spouse’s retirement. Licensed professionals at TruStage® can help you understand your options. Call now, 1.888.888.0375, or visit TruStage

    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.