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    Hi! Is there something I can help you find?

    • 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
      • A car
      • 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
          • 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
      • 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
    • 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
      • 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
          • 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.
      • Getting insurance
      • Setting up alerts and controls
      • 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.
    • 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.
      • Retirement
      • 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.

    Boat Loans

    "The employees always make me feel as if they know me personally. They are very friendly and a pleasure to deal with. They seem to smile a lot."

    A man using his smartphone to deposit his check James M.

    • Fast

      We'll get back to you in minutes

    • Free

      No application fee

    • Apply Now!

    Make some waves

    You can’t buy happiness, but you can buy a boat. That’s kind of the same thing. A loan from Arsenal is your key for casting off for rainbow trout in a fishing boat or soaking up some sun in a pontoon. Our low rates will help you get on the water in the boat of your dreams.

    Why choose Arsenal?

    You want the right financial boat mate. Here’s what sets us apart.

    1. 1

      Same rates for new and used boats

      We don't punish you for getting what you want. We offer the same rates on new and used boats.

    2. 2

      Pick your term

      Flexibility is everything. To keep your payments low and maintain affordability, up to 180-month financing is available. Minimum loan amounts apply to various terms offered.

    3. 3

      Skip payments

      Skipping a payment with us won't ruin your credit score. We allow you to skip a payment once per year, for up to five years, as long as you're in good standing. Ask for details.

    Get moving

    Applying for our loans is easy. You can fill out an application online, come into one of our branches or even get on-the-spot financing at many dealerships.

    Apply Now!

    Rates

    APR* Term
    5.75% APR-16.00% APR 0-60 months
    6.75% APR-16.30% APR 61-120 months
    7.25% APR-17.00% APR 121-144 months
    8.00% APR-17.50% APR 145-180 months

    New Boats (certificate of origin) - Up to 100% of MSRP financed (plus tax, title and license)

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 07-01-18.

    APR* Term
    5.75% APR-16.00% APR 0-60 months
    6.75% APR-16.30% APR 61-120 months
    7.25% APR-17.00% APR 121-144 months
    8.00% APR-17.50% APR 145-180 months

    Used Boats - Up to 90% of NADA retail value financed

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 07-01-18.

    Calculator

    Loan Calculator

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

    FAQs

    You can apply for and get an Arsenal Credit Union loan at many dealerships throughout Missouri and Illinois. Be sure to insist on ACU financing when you are at these dealerships to get our low rates. This list does not indicate an endorsement for these manufacturers, dealers or services.
    Yes, you can update your insurance information here.
    You have the opportunity to skip a payment once every 12 months, up to a maximum of five times over the life of your loan. Your eligibility is based on you keeping your loan current and in good standing (e.g. you have a responsible repayment history). You can choose which month you would like to skip by contacting us before the due date. The payment is deferred until the end of the term.
    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.

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    Add-on options

    Why not handle everything in one place? Get a little more out of your recreational loan with these convenient add-ons.

    • GAP Insurance

      GAP (Guaranteed Auto Protection) helps cover you if your property is stolen or totaled. Most insurance will only cover the value of these in such instances, but you might owe more on your loan. GAP gives you peace of mind by covering the rest and "closing the gap." You can add GAP to your Arsenal loan at any time.

    • Credit Life/Credit Disability Insurance

      If something happens to you during the course of your loan, these insurance options are a welcome relief. Credit disability insurance can help make your loan payment (up to the policy maximum) on your vehicle if you become totally disabled due to a covered injury or illness. Credit life insurance will help you do the same should an unexpected life event occur.

    • Boat Insurance

      Why go straight to a big, expensive company when you can get great discounts through us? We offer exclusive discounts on boat insurance through the credit union, for both new and used vehicles.

    Get moving

    Apply Now!

    Credit Life/Credit Disability: Coverage starts on the enrollment date and can be cancelled at any time. Your purchase of MEMBER’S CHOICE® Credit Life and Credit Disability Insurance, underwritten by CMFG Life Insurance Company, 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 Group Policy for a full explanation of the terms.