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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
      • Sending money to family and friends
    • 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.

    Motorcycle & All-Terrain Vehicle (ATV) Loans

    "ACU has exceeded my expectations more than any other bank I've ever done business with."

    Portrait of young Black woman Sandra A.

    • Fast

      We'll get back to you in minutes

    • Free

      No application fee

    • Apply Now!

    Blaze some trails

    Experience the ultimate thrill ride cruising down the highway or tackling dirt trails. Whether you are buying a new or used motorcycle or an all-terrain vehicle (up to 6 years old, including current year), we have the financing to make your next adventure a reality.

    Why choose Arsenal?

    Here’s what sets us apart.

    1. 1

      Pick your term

      Flexibility is everything. Enjoy terms up to 84 months on new and up to 72 months for used. Minimum loan amounts apply to various terms offered.

    2. 2

      Bundle up

      You can bundle your title, tax and license costs right into the terms of your loan.

    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. Learn More.

    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
    4.49% APR-18.99% APR 0-36 months
    4.74% APR-6.24% APR 37-60 months
    5.99% APR-7.99% APR 61-84 months

    New Motorcycles and Personal Watercraft - (current model year and up to two previous model years with no previous title)

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9-1-2021.

    APR* Term
    4.49% APR-18.99% APR 0-36 months
    4.74% APR-6.24% APR 37-60 months
    5.99% APR-7.99% APR 61-84 months

    Used Motorcycles/Pers. Watercraft (model previously titled and no more than six years old, includes current year) - Up to 115% of NADA retail value financed (plus tax, title and license)

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9-1-2021.

    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.

    Still have questions?

    Ask a question right now.

    Ask a Question

    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 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

      For motorcycle and ATV loans, a vehicle service contract steps up to help you if your new or preowned vehicle 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, vehicle 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

    • Motorcycle & ATV Insurance

      Arsenal members may qualify for discounts on motorcycle 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!