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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
      • 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
      • 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
    • 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
      • 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.

    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

      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!

    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 2-1-2020.

    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 2-1-2020.

    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.
    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.
    Everyone could use a little financial relief now and then, and we want to help you during those stressful times when your bills pile up all at once. To qualify for skip-a-pay, you must have had no payments over 30 days delinquent on your Arsenal auto loan, no unpaid charge-offs or negative balances with the credit union, and no Credit Protection Insurance (CPI) added to your loan without a full refund. To take advantage of skip-a-pay, you need to contact the credit union and complete an authorization form before your due date. Loans that are paid by automatic transfer from another financial institution or through bill payer are ineligible. Interest will continue to accrue on the unpaid balance during the month that a payment is skipped. A small processing fee applies. Skipping your payment this way will not affect your credit score.

    Still have questions?

    Ask a question right now.

    Ask a Question
    How to go branchless at Arsenal Credit Union With the rise of mobile technology, financial security and digital communication, it's p... Read

    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.

    • 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.

    • 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. Life Plus adds protection for financially stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave and the loss of life of a non-protected dependent. 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 today.

      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-2098950. 1-0418-0520 © 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

    Apply Now!