Save more. Earn more. Do more.

^{Membership eligibility is required. Must be age 18+ and mention this offer at account opening. May need specific forms of identification to open an account such as a driver’s license, proof of address (utility bill,) a credit card and your Social Security Number. Note, credit will be reviewed at the time of account opening. Contact the credit union for full details. Savings account with $5.00 minimum deposit required to join Arsenal Credit Union. Credit union membership required to join. See if you’re eligible here. The $100 deposit will be paid within 45 days after checking account with debit card is opened and member makes at least 10 transactions on card (a deposit will be required to receive a debit card). Member must remain in good standing with the credit union. May not be combined with other offers. Offer valid until 12.31.2025. Bonus will be reported as a dividend.}

^{Receive $100 deposited into an account and one stuffed Tracker toy when you open a new Tracker Kids Club savings account with a minimum deposit of $25 at Arsenal Credit Union. Must mention this offer at account opening. Not valid for current members. Offer applies to those age 12 and under only. Requires an adult to be on the account and present at account opening. Offer valid from 4.16.2025 through 4.18.2025. Incentive will be paid within 30 days of account opening if account is in good standing. Any bonuses earned will be reported to the IRS for tax purposes.}

^{***APY=Annual Percentage Yield. Rates Subject To Change Without Notice. Rates as of 4.1.2025. The minimum balance requirement is $100 for members age 18 and under to earn the stated APY.}

^{Bonus rate of 0.25% may be applied to any certificate except 15-month opened with new funds of $2,500 or more not currently on deposit at Arsenal Credit Union.}

^{All certificates have the option of paying quarterly or monthly interest that would be transferred to another Arsenal Credit Union account. Interest checks may be paid monthly for all certificates with a $10,000 minimum balance. Selecting any of these interest options will affect the annual percentage yields quoted on this rate sheet – the annual percentage yields are calculated based on quarterly compounding of the interest. Fees may reduce earnings on the account. A penalty rate may be imposed for early withdrawal.}

^{Premier Checking account is subject to a Tiered Variable Rate. Balances up to $15,000 receive APY of 4.25%; balances over $15,000 earn a rate of .08% on the portion over $15,000 resulting in 4.25% – 0.61% APY depending on balance (APY range calculated assuming a balance of $15,000). If qualifications for higher yield are not met, all balances earn .08% APY. In order to avoid a $5.00 monthly fee, you must maintain an average daily balance (ADB) of $2,500.00 in your account each month. No transaction limitations apply to this account. In order to earn the disclosed APY and be reimbursed for domestic ATM fees incurred (during each dividend period you will be reimbursed up to a total of $25.00, if qualifications are met), during each dividend period you must: (a) make 15 or more debit card transactions using your Visa Check Card (that post and clear your account as evidenced by your monthly statement); (b) consent to receive your periodic statements electronically (eStatements); and (c) make at least one direct deposit transaction into the Premier Checking account each dividend period.}

^{APR = Annual Percentage Rate. Introductory rate is fixed and applicable for first 12 months following open date. Must apply between 4.15.2025, and 6.30.2025, to qualify for offer. Available on new lines of credit only. Offer not available for refinancing existing Arsenal HELOCs. After 12-month introductory period, a variable rate will go into effect and may change monthly based on the value of an index – on 80% equity loans, it will be equal to the Prime Rate as published in The Wall Street Journal; on 100% equity loans, Prime plus a 1.00% margin. As of 4.15.2025, the Prime Rate APR was 7.50%. APR will not be lower than 7.50% on 80% equity loans or 8.50% on 100% equity loans, and the APR will not exceed 20.00% in either case. Minimum loan amount is $5,000 and maximum is $250,000. Maximum loan amount is determined by the amount of equity in your home, based on appraised value. Subject to credit approval. Loan features 10-year draw and 20-year repayment period. Rates, terms, and conditions subject to change. Missouri and Illinois residents only. Properties securing home equity lines of credit must be in Franklin County, Jefferson County, St. Charles County, St. Francois County, St. Louis County or City, Ste. Genevieve County or Washington County, and select Illinois counties (Madison, Monroe, Randolph, St. Clair). Property insurance will be required and flood insurance where necessary. We pay for the associated closing costs; if you close the loan within the first 12 months, you must reimburse the credit union. Interest paid is often tax deductible; check with your tax advisor for details. Credit union membership and qualifications are required. Loan terms and conditions depend on credit qualifications and approval.}