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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."

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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 fun on the water, and not a big hassle to make your monthly payment. 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

    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. More 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!


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 6-1-2021.

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 6-1-2021.


Loan Calculator

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


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.
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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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 Plus

    GAP (Guaranteed Auto Protection) Plus helps cover you 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 rest and "closing the gap." The "Plus" part is an additional benefit of a $1,000 deduction towards your next loan when you finance with ACU within 90 days of the GAP settlement. You can add GAP Plus to your Arsenal loan at any time.

  • Help protect your family against the unexpected with Debt Protection with Life Plus

    Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability or involuntary unemployment could help protect your finances. This protection could cancel your loan balance or loan payments up to the contract maximums so your family can worry a little bit less about tomorrow. It’s easy to apply for Debt Protection with Life Plus. It’s voluntary and won’t affect your loan approval. Call Arsenal Credit Union at 314.962.6363 and ask about protecting your loan payments 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 the 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-3109092.1-0620-0622 © CUNA Mutual Group 2018, All Rights Reserved

    Learn more
  • Boat Insurance

    Arsenal members may qualify for discounts on boat insurance through the TruStage® Auto Insurance Program. TruStage offers a powerful mix of savings and popular, member-friendly benefits, including friendly, 24/7 service (even on holidays) 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

Get moving

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