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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
        Great. Check out our Home Equity Line of Credit (HELOC). It’s a flexible way to use your home’s value, particularly for home improvements.
- A car
  - Cool! We have low rates available for both Auto Loans and Recreational Vehicles. We can also refinance your current loan with another institution.
- Something fun
  - What are you interested in?
    - 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
      - Great! We’re here to help you find your thrill. We offer competitive rates and terms on Personal Watercraft Loans.
    - Motorcycle or ATV
      - 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
      - Yay! Hit the road, Jack! Our low rates and flexible terms on Motorhome, Campervan and Travel Trailer Loans help you explore America.
- Something else
  - Okay. Business or personal?
    - Business
      - 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.
- I’m mostly interested in a credit card
  - Sounds good! Be sure to check out our VISA^® Credit Cards page.

What would you like help with?
- Accessing my accounts
  - Okay, how would you like to access your accounts?
    - Online
      - Ok! If this is your first time using Online Banking?
        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.
        
        No
        Great. To access your account, simply click “Login” in the upper right hand corner of the page.
    - On my mobile device
      - Great! First make sure you’re enrolled in online banking. Then, download our free app for iPhone or Android.
- Opening a checking account
  - Great! What do you care most about in a checking account?
    - 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
      - Sounds good! Make sure you check out our Totally Free Checking account.
    - Getting free checks
      - Great! Take a look at our Advantage Plus Checking account that comes with one free package of checks a year.
- 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.
- Getting insurance
  - Perfect, we offer discounts on auto, home and life insurance through our partner.
- Reporting a lost or stolen card
  - We’re sorry to hear that. Is this during or after business hours?
    - During
      - Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
    - After
      - If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
- Taking control of your debit/credit card
  - We have an app for that, and it’s free. Check out Arsenal CardKey today to lock/unlock your cards, set up alerts/controls and so much more.
- Sending money to family and friends
  - You can easily send and receive money with Zelle^®. It’s fast. It’s free. It’s easy. It’s already in online banking and our mobile app.

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 Savings page and scroll down for more info.
- Retirement
  - It sounds like an IRA (Individual Retirement Account) would be helpful for you. If you’re interested in meeting with a financial advisor to discuss a Roth IRA and other investment options, we can also make that happen.
- 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 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 Savings account sounds just right for you. It also secures your Arsenal membership.
- I want to make saving automatic
  - We can help. Enroll in our Spend to Save program to have your debit card transactions rounded up to the nearest dollar, with the change deposited to your savings account. You can also set up a payroll deduction to have a part of your paycheck deposited directly into savings each pay period.

Save on your next auto loan

Your Low-Rate Auto Lender in St. Louis

When you choose us as your auto loan lender, you get a better deal, plain and simple. With rates as low as possible at Arsenal and auto loan terms up to 84 months available, your monthly car payments are more affordable. We know you need to get into your car quickly. When you apply online (through online banking or our easy-to-use portal), in person at one of our branches or at dealerships that offer on-the-spot Arsenal financing, you’ll receive a quick decision.

Why choose Arsenal?

On top of low monthly rates and flexible terms, you’ll save money on add-on options we offer. When you buy a vehicle from Carvana, you can get a $100 cash reward from Love My Credit Union Rewards in addition to a low monthly car payment.

Calculate your auto loan payment

Using our auto loan calculator below, you can see how much your monthly car payment could potentially be. See what your potential monthly car payment rate will be based on the type of loan you need for the age of the car you want to finance.

You can also check out answers to common questions regarding auto loans. If you’re stuck paying too much on your current auto loan, please visit our refinancing page to see if you can lower your monthly car payment.

Here are a few more reasons to finance with us.

1

Related costs can be rolled into your loan

We'll finance up to 125% of the purchase price (taxes, dealer handling charges, extended service contract, GAP insurance, Debt Protection with Life Plus) on new vehicles and up to 125% of current NADA retail value on 2014-2021 used models, depending on your creditworthiness.Learn More
2

Room for your budget to breathe

We know some months can be difficult. With our unique skip-a-pay program, you can postpone your payment once every 12 months, up to five times total, with no penalties and no potential dings to your credit score. Learn More.
3

No credit history? No problem.

Our first-time borrower program is an excellent way to get a no-credit car loan. We offer a special rate and 60-month terms for those without any previous credit history. Learn More

Rates View all rates

Auto Loan Rates

APR*	Term
1.99% APR-17.75% APR	0-36 months
2.49% APR-17.75% APR	37-48 months
2.74% APR-17.75% APR	49-63 months
3.24% APR-17.75% APR	64-72 months
4.49% APR-11.24% APR	73-84 months

New auto loan (current and last model year, not titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-1-2021.

Used Car: 2020-2021

APR*	Term
1.99% APR-17.75% APR	0-36 months
2.49% APR-17.75% APR	37-48 months
2.74% APR-17.75% APR	49-63 months
3.24% APR-17.75% APR	64-72 months
4.49% APR-11.24% APR	73-84 months

Current and last year's models previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-1-2021.

Used Car: 2017-2019

APR*	Term
2.24% APR-18.25% APR	0-36 months
2.74% APR-18.25% APR	37-48 months
2.99% APR-18.25% APR	49-63 months
3.74% APR-18.25% APR	64-72 months
4.74% APR-11.99% APR	73-84 months

Models that are 3-5 years old - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-1-2021.

Used Car: 2014-2016

APR*	Term
3.24% APR-18.50% APR	0-36 months
3.74% APR-18.50% APR	37-48 months
3.99% APR-18.50% APR	49-63 months
4.49% APR-18.50% APR	64-72 months
5.24% APR-8.49% APR	73-84 months

Models that are 6-8 years old - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-1-2021.

Older Car Models

APR*	Term
5.25% APR-19.50% APR	0-36 months
5.25% APR-19.50% APR	37-48 months
6.75% APR-19.50% APR	49-60 months

Older Models (9 years or older) - Up to 90% of current NADA retail value financed

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 12-1-2021.

Calculator Estimate your payment

Calculator

Loan Calculator

Loan Amount ($):

Rate (APR %):

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

FAQs What questions do you have?

FAQs

Can you update your insurance information for your ACU loan online?

Yes, you can update your insurance information here.

Which dealerships offer on-the-spot Arsenal financing?

There are more than 200 dealerships throughout Missouri and Illinois, including seven local Enterprise Car Sales locations, where you can apply for and close on an Arsenal loan. This list does not indicate an endorsement for these manufacturers, dealers or services. When visiting these dealerships, be sure to insist on getting your loan through Arsenal Credit Union.

If I’m given the option of low-interest financing or a manufacturer’s rebate at the dealership, which should I take?

A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing. Use this calculator to help you determine which is better or give us a call.

How much interest can I save if I refinance my auto loan from somewhere else to Arsenal?

Use this calculator to find out!

Can I update my insurance information for an Arsenal auto loan online?

Yes. Click here to do so.

Where can I get a free copy of my credit report?

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.

Still have questions?

Ask a question right now.

Enterprise Car Sales Looking for a great deal on a pre-owned car? Start shopping today.

Shop the Enterprise Car Sales online inventory

Refinance Your Auto Loan No one wants to be stuck paying too much for their car with their current auto loan. Get... Read

Add-on options

Interested in getting more from your auto loan? You can bundle additional options into your total loan amount and cover them all with the payment spread out over the full term so the financial impact is minimal for you.

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.
Vehicle Service Contract

A vehicle service contract steps up to help you if your new or preowned car suffers from a mechanical breakdown. The benefits of getting this coverage through us rather than the dealer include comparable coverage at a lower cost, no deductible on covered parts or labor, car rental allowance and 24/7 emergency roadside service. Coverage is nationwide and can be transferred if you sell your vehicle before your agreement expires.
^{This agreement is not an insurance contract.}
Debt Protection with Life Plus

Do everything you can to take care of the ones you love. Take an important step toward financial security today with Debt Protection with Life Plus. Your family means everything to you. And if the unexpected happens, you don't want an emotionally trying situation to be compounded by financial worry. That's why there's Debt Protection with Life Plus which may cancel your loan balance or payments, up to the contract maximum, in the event of involuntary unemployment, disability or death. Call Arsenal Credit Union at 314.962.6363 and ask about protecting your loan today. If you already have this coverage or credit disability/life insurance on your loan with us, you can file a claim here.
^{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-3415592. 1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.}
Learn more
Auto Insurance

You work hard for your money and even harder to keep your budget on track. So why spend too much on car insurance – maybe hundreds of dollars too much? Arsenal members may qualify for discounts on car insurance through the TruStage^® Auto Insurance Program. TruStage offers a powerful mix of savings and popular, member-friendly benefits, including: nationally recognized companies; friendly, 24/7 service (even on holidays); discounts for multiple vehicles, safety features, good driving and more; and a mobile app for easy claims. Don’t wait to see how much you could save; visit TruStage.com.
^{Offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. AHE, AHL-1661466.1}