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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.
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            • 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
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            • 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.
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        • 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.
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        • 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.
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                • 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.
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                • Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
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            • 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.
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        • Ok! Our Regular Savings sounds just right for you. It also secures your Arsenal membership.

    Personal Watercraft (PWC) Loans

    "The personnel are always helpful, friendly and willing to do the extra to get things done."

    Man with a backwards cap, sunglasses and beard hanging out at the beach Mark P.

    • Fast

      We'll get back to you in minutes

    • Free

      No application fee

    • Apply Now!

    Life was meant to be lived

    Want to add some adventure to your life? Riding a personal watercraft is like no other experience on the water. Get a loan with a very competitive rate and generous terms, whether you are buying a new or used (up to 6 years old, including the current model year) craft.

    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 on used PWC. 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

      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
    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 10-01-18.

    APR* Term
    5.49% APR-15.99% APR 0-36 months
    6.99% APR-8.99% APR 37-72 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 10-01-18.

    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

      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.

    • Personal Watercraft Insurance

      Arsenal members may qualify for discounts on personal watercraft 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; call 1.855.368.1486 to get a free quote today or ask us for more details.

      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!

    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.