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    • What would you like to borrow for?
      • A home
        • Great, what are you more interested in?
          • I’d like to buy a home, or refinance my current loan.
            • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
          • I want to make some environmentally friendly home improvements.
            • Let’s get started making our community greener. We offer no-collateral Home Improvement loans just for that. We think you’ll love our rates.
          • I’m more interested in using the value in my home to get a loan.
            • Sounds good. Would you prefer a lump sum of cash for your loan, or more flexible spending?
              • Lump sum
                • Sounds like you are looking for a Home Equity Loan. It’s a great way to secure a lower rate, and you can use the money on any expense.
              • Flexible spending
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          • Boat
            • Awesome! Let us help you get on the water. We offer low rates and long terms to make your Boat Loan payments affordable.
          • Personal Watercraft
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            • You’re one step closer to hitting the open road or trail. We have the right financing on Motorcycle and ATV Loans to make it happen.
          • Motorhome, Campervan or Travel Trailer
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            • Sounds great! We offer a wide range of Business Loans, including loans for vehicles, equipment and real estate.
          • Personal
            • Terrific! We offer Personal Loans for any need, including weddings, vacations and debt consolidation.
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              • Yes
                • Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
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                • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
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          • Earning interest
            • Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
          • Having no fees
          • Getting free checks
            • Great! Take a look at our Advantage Plus Checking account, which features free regal style checks (and 50 percent off custom checks).
      • Signing up for eStatements
        • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
      • Running my small business
        • Our partner Payscape offers several online cash management services to help you track and adjust sales, process electronic forms of payment, create and automate digital invoices, manage a shopping cart on your company’s website and much more.
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            • If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
    • What would you like to save for?
      • An upcoming holiday or vacation
        • Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Regular Savings page and scroll down for more info.
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      • College
        • Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
      • Something else – and I’d like to earn a good interest rate
        • Do you have some money saved up already?
          • Yes, quite a bit
            • Nice! Are you okay with leaving your money untouched for a while?
              • Sure
                • Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
              • I’d prefer to make withdrawals when I need to.
                • Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
          • Not much
            • No worries. Once you open a Regular Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
      • I’d prefer just a basic savings account
        • Ok! Our Regular Savings sounds just right for you. It also secures your Arsenal membership.

    Home Improvement Loans

    "Any time I call I always get my questions answered! I've been a member since the early 90s and love ACU!"

    Man in a black cap and a beard laughing Dennis M.

    • Go green!

      Environmentally conscious loans

    • Get green!

      Save more cash with lower rates

    • Apply Now!

    Make your home special

    Did you know you can get a loan just for making energy-efficient improvements to your home? These loans are much cheaper than most other no-collateral loans – as low as 5.99% APR*. Whether you’re putting in solar panels or simply buying a more energy-efficient oven, you can go green and save on costs.

    A unique loan

    Most credit unions and banks don’t offer this type of loan. We’re proud to provide it to our members so they can build up their big dreams of homeownership without leaving a big environmental footprint.

    1. 1

      Plenty of options

      Use this loan on energy-conscious solar panels, windows, doors, siding and insulation, plus appliances such as washers and dryers.

    2. 2

      No appraisal needed

      Unlike a home equity loan or line of credit, this loan requires no appraisal. Save time and spend less money getting your home improvements rolling.

    3. 3

      Complete flexibility

      We've got the loan that's right for you. Borrow as little as $500 or as much as $15,000, and get terms as long as 60 months.

    Go Green today

    Call, come into a branch or fill out your online application right here, right now.

    Apply Now!

    Calculator

    Loan Calculator

    Format: 12m, 36m, 3y, 7y

    FAQs

    This list covers some of the most common types of energy-efficient windows.
    This article covers how to select an energy-efficient door.
    Find out more about your solar power options here.
    This list covers many useful home improvement topics.
    You can find more information on ENERGY STAR products here.
    The only place to get a truly free credit report is AnnualCreditReport.com. You can receive one from each credit-reporting bureau – TransUnion, Equifax and Experian – every year. It's best to stagger your three reports throughout the year. For example, get your TransUnion report in January, Equifax in May and Experian in September.

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    Go Green today

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    APR = Annual Percentage Rate. Rate based on member creditworthiness. Lowest rate cited is as of September 1, 2018, and is subject to change. Contact the credit union for complete details.