Accounts > Savings

Savings solutions designed to fit your unique needs

Savings. You want more of it. How do you get it?

There’s no one-size-fits all solution to saving money. Everyone saves differently. Whether you just want to set aside some money, earn more interest or start a savings account for your kid, you’ll find what you need at Arsenal.

Need help on where to start? Start a Live Video chat or visit a branch and we’ll find the right savings solution for you.

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More than just a traditional savings account

Access to all of Arsenal’s products and services starts with a $5.00 deposit into your savings account. It also makes you a member/owner of the credit union.

Savings are safe

Through a combination of federal and private insurance, your deposits are covered to at least $500,000.

Earn dividends

Rates comparable to and often higher than competitors.

Save as you're paid

Set up a payroll deduction and have a set amount saved from your paycheck.

Earn more with a certificate of deposit (CD)

Put aside money for a set period of time in exchange for a specific, higher-than-average interest rate. Earn more, faster with great rates on short-term CDs.

Pick your term

Terms range from 3 to 60 months. The longer the term, the higher the yield.

Earn more

Rates higher than what for-profit competitors are often paying.

Unique use

Use your CD(s) as collateral for a loan.

Get more flexibility with a money market account

Earn a higher interest rate on your deposits. Interest is paid on balances of $2,500 or more. Earn up to 5x the rate of our regular savings account.

Five tiers

The more you keep on deposit, the more you earn.

Best of both worlds

A money market is a blend of savings and checking. Write up to three checks and make a total of six withdrawals per month.

No fees

If the minimum balance requirement isn’t met, you won’t be charged a service fee.

Increased maximum coverage on deposits

Gain more peace of mind when you deposit your money with us. Through a combination of federal (NCUA) and private (ESI) insurance, your deposits are now covered to at least $500,000.

This additional level of insurance is unique to credit unions. As an Arsenal Credit Union member, you’re one of the few in the St. Louis area who has access to it!

Learn more

Start saving early with the Tracker Kids Club

Our award-winning Tracker Kids Club teaches children age 12 and under the importance of saving money.

Earn prizes

Earn stamps for every $10.00 deposited and redeem for cool prizes.

Birthday cards

Get a birthday card in the mail with a double-points offer.

Monthly drawings

Make a deposit of $10.00 and get entered in a drawing for $10.00 that month.

Cash for good grades

Earn up to $10.00 for your report card at the end of the school year.

Special events

Check your email for invitations to special Tracker Kids Club events.

Save for a special occasion

Once you open a traditional savings account with $5.00, you’re eligible to
open other specialized accounts.

Christmas Club

Deposit money throughout the year. In early October, your funds are distributed to your main savings account.

Vacation club

Deposit money throughout the year. In early May, your funds are distributed back to your main savings account.

Make saving automatic

Our Spend to Save program rounds up transactions you make using your
Arsenal debit card and automatically deposits the “change” up to the
nearest dollar into your savings account. Spend to Save is available for all
checking accounts.

It's free

Many other “round-up” apps on the market cost money.

It's automatic

Take the thinking out of saving and watch your account grow.

It's convenient

There are no additional apps to download.

See how much you can save

Use the calculator to see how much you can save on your next recreational vehicle loan. Plug in your estimated rate and repayment terms to see your estimated monthly payment.

See how much you can earn

Use the calculator to see how much you can possibly earn with a deposit account at Arsenal. Use the table below for the most current annual percentage rates (APYs). Start a video chat with us to open your account online.


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Loan Calculator
Deposit Calculator

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

Total Savings

$

Take advantage of higher rates on CDs and money market accounts

Vehicle Loan Rates
Home Loan Rates
Credit Card Rates
Deposit Rates

APR*

Term

7.00% APR-23.50% APR

0-36 months

7.00% APR-24.00% APR

37-48 months

7.50% APR-24.00% APR

49-63 months

8.50% APR-24.00% APR

64-72 months

9.25% APR-18.25% APR

73-84 months

New auto loan (current and last model year, not titled) – Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.

APR*

Term

7.00% APR-23.50% APR

0-36 months

7.00% APR-24.00% APR

37-48 months

7.50% APR-24.00% APR

49-63 months

8.50% APR-24.00% APR

64-72 months

9.25% APR-18.25% APR

73-84 months

Current and last year’s models previously titled – Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.

APR*

Term

7.50% APR-24.00% APR

0-36 months

7.75% APR-24.50% APR

37-48 months

8.50% APR-24.50% APR

49-63 months

9.00% APR-24.50% APR

64-72 months

10.50% APR-17.25% APR

73-84 months

Models that are 3-5 years old – Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.

APR*

Term

7.50% APR-24.25% APR

0-36 months

8.00% APR-24.75% APR

37-48 months

8.75% APR-24.75% APR

49-63 months

9.75% APR-24.75% APR

64-72 months

11.00% APR-16.00% APR

73-84 months

Models that are 5-9 years old – Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.

APR*

Term

10.25% APR-25.25% APR

0-36 months

10.75% APR-25.75% APR

37-48 months

11.25% APR-25.75% APR

49-63 months

Older Models (2013-1990) – Up to 95% of current NADA retail value financed

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.

APR*

Term

10.00% APR-19.00% APR

0-60 months

10.50% APR-20.00% APR

61-120 months

11.00% APR-21.00% APR

121-144 months

11.50% APR-22.00% 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 9.15.2023.

APR*

Term

10.00% APR-19.00% APR

0-60 months

10.50% APR-20.00% APR

61-120 months

11.00% APR-21.00% APR

121-144 months

11.50% APR-22.00% 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 9.15.2023.

APR*

Term

7.50% APR-23.75% APR

0-36 months

8.00% APR-11.50% APR

37-60 months

9.75% APR-13.75% 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 9.15.2023.

APR*

Term

7.50% APR-23.75% APR

0-36 months

8.00% APR-11.50% APR

37-60 months

9.75% APR-13.75% 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 9.15.2023.

APR*

Term

12.00% APR-25.25% APR

0-84 months

12.50% APR-25.50% APR

85-120 months

13.50% APR-25.75% APR

121-144 months

17.75% APR-26.00% APR

145-180 months

New Motorhomes, Campervans, Travel Trailers and Campers – Up to 115% of MSRP financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.

APR*

Term

12.00% APR-25.25% APR

0-84 months

12.50% APR-25.50% APR

85-120 months

13.50% APR-25.75% APR

121-144 months

17.75% APR-26.00% APR

145-180 months

Used Motorhomes, Campervans, Travel Trailers and Campers – Up to 115% of NADA used wholesale value financed (plus tax, title and license)

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.15.2023.

Loan Type

APR*

Term

Payment

New car: 2022-2024

8.50%

72 months

$17.78

Used car: 2022-2023

7.00%

48 months

$23.95

Used car: 2019-2021

10.50%

84 months

$16.86

Used car: 2014-2018

9.75%

72 months

$18.40

Older-model auto

10.75%

48 months

$25.72

New or used boat

10.50%

120 months

$13.49

New motorcycle

9.75%

72 months

$18.40

Used motorcycle

7.50%

36 months

$31.11

New or used RV

12.50%

120 months

$14.64

Personal

10.49%

18 months

$60.28

Monthly loan payment examples per $1,000 borrowed

Use our free calculator to estimate your monthly payments and check out other financial calculators we provide at no cost.

*APR=Annual Percentage Rate. Subject to change and based on creditworthiness. Rates as of 9.15.2023.

All ACU loans are simple-interest loans calculated on the declining balance and have no prepayment penalties.
Aggregate total for unsecured debt is $50,000.

Loan Type

APR*

Term

Fixed-Rate 60% Home Equity Loan

5.50% Rate 5.50% APR $20,000 min., $150,000 max.

60% equity Up to 60 months 5-year amortization no escrow

Fixed-Rate 80% Home Equity Loan

6.25%-7.75% Rate 6.25%-7.75% APR $5,000 min., $150,000 max

80% equity 60-180 month repayment terms

Fixed-Rate 100% Home Equity Loan

6.75-8.25% Rate 6.75-8.25% APR $5,000 min., $150,000 max.

100% equity 60-180 month repayment terms

APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.
– Equity is the difference between what you still owe on your house (mortgage balance) and what your house is worth on the market now (appraised value).
– MO property located in St. Louis City, St. Louis County, Jefferson County, Franklin County, Washington County, St. Francois County and Ste. Genevieve County, as well as St. Charles County. IL property located in St. Clair County, Madison County, Monroe County and Randolph County.

To calculate how much you can borrow, take your home’s current value and multiply it by 60%, 80% or 100%. Take that figure and subtract how much you still owe on your current mortgage. The result is your available equity.

For example: If your home is worth $100,000, then $80,000 will be 80% of it. Next, if your current mortgage balance is $50,000, you will subtract it from $80,000. The maximum amount you can borrow for 80% is $30,000.

Loan Type

APR*

Term

Variable-Rate HELOC (Home Equity Line of Credit) - 80% Equity

Prime

120 months 240-month amortization adjustment cap: 2%; floor rate: 4.50%; life cap: 20%

Variable-Rate HELOC (Home Equity Line of Credit) - 100% Equity

Prime + 1.0%

120 months 240-month amortization adjustment cap: 2%; floor rate: 6%; life cap: 20%

APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.

– Equity is the difference between what you still owe on your house (mortgage balance) and what your house is worth on the market now (appraised value).
– MO property located in St. Louis City, St. Louis County, Jefferson County, Franklin County, Washington County, St. Francois County and Ste. Genevieve County, as well as St. Charles County. IL property located in St. Clair County, Madison County, Monroe County and Randolph County.

To calculate how much you can borrow, take your home’s current value and multiply it by 60%, 80% or 100%. Take that figure and subtract how much you still owe on your current mortgage. The result is your available equity.

For example: If your home is worth $100,000, then $80,000 will be 80% of it. Next, if your current mortgage balance is $50,000, you will subtract it from $80,000. The maximum amount you can borrow for 80% is $30,000.

Loan Type

APR*

Term

For current rates on mortgages, please visit contact us at mortgages@arsenalcu.com. Or, call Shane Wecker at 314.501.3360. Visit our mortgage application site to start your application online.

Loan Type

APR*

Term

Payment

Home equity (fixed, 60%)

5.00%

60 mths

$188.71

Home equity (fixed, 80%)

5.65%

120 mths

$109.27

Home equity (fixed, 100%)

5.85%

180 mths

$83.58

APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.
Monthly loan payment examples per $10,000 borrowed.
APR=Annual Percentage Rate
All ACU loans are simple interest loans calculated on the declining balance and have no prepayment penalties.
*Aggregate total for unsecured debt $50,000.
**ACU may pay closing costs for home equity loans or lines of credit. Borrower is responsible for obtaining and paying for comprehensive insurance to cover the value of the real estate. If the borrower repays the loan within the first 12 months, the borrower must reimburse the credit union for the closing costs.

Card Type

Limit

APR*

Fixed-rate Visa Platinum

$300 - $30,000 credit limit

9.90% APR-17.90% APR

Variable-rate Visa Platinum

Max $5,000 credit limit

Prime + 4.50% with a cap of 18.90% (may adjust monthly)

No annual or monthly fees; no minimum finance charge; no cash advance fees; no balance transfer fees; no penalty rate; 25-day grace period.

*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 9.1.2023.

Term

Minimum Balance to Earn

APY* / Interest Rate

With IRA CD - APY / Rate

3-month Monthly

$500

2.75% / 2.722%

2.75% / 2.722%

6-month Quarterly

$500

4.00% / 3.941%

4.00% / 3.941%

12-month Quarterly

$500

4.35% / 4.281%

4.35% / 4.281%

15-month Quarterly

$25,000

5.15% / 5.053%

5.15% / 5.053%

18-month Quarterly

$500

4.55% / 4.474%

4.55% / 4.474%

24-month Quarterly

$500

3.50% / 3.455%

3.50% / 3.455%

36-month Quarterly

$500

3.55% / 3.504%

3.55% / 3.504%

48-month Quarterly

$500

3.60% / 3.552%

3.60% / 3.552%

60-month Quarterly

$500

3.65% / 3.601%

3.65% / 3.601%

*APY=Annual Percentage Yield. Rates Subject To Change Without Notice. Rates as of 9.1.2023.

**Money Mover CD $25,000 minimum balance, new funds only. No rate bump allowed.  Subject to change without notice.

Bonus rate of .25% may be applied to any certificate except 15-month opened with new funds of $5K 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.
The minimum balance requirement is $100 for members age 18 and under to earn the stated APY.
Fees may reduce earnings on the account. A penalty rate may be imposed for early withdrawal.

Product

Minimum Balance to Earn APY*

APY / Dividend Rate / Interest Rate

Compounding Frequency

Money Market Account

$2,500 - $9,999

2.00% / 1.982%

Monthly

$10,000 - $24,999

2.50% / 2.469%

Monthly

$25,000 - $49,999

3.00% / 2.956%

Monthly

$50,000 - $99,999

3.25% / 3.203%

Monthly

$100,000 and over

3.50% / 3.445%

Monthly

Regular Savings

$100

0.15% / 0.15%

Monthly (Dividend)

Special Saving

$0

0.15% / 0.15%

Monthly (Dividend)

Tracker Kids Club

$0

0.15% / 0.15%

Monthly

Christmas Club

$0

0.15% / 0.15%

Monthly

Vacation Club

$0

0.15% / 0.15%

Monthly

Value Checking

$0

0.05% / 0.05%

Monthly

Advantage Plus Checking

$0

0.08% / 0.08%

Monthly

Business Checking II

$500

0.05% / 0.05%

Monthly

Business Checking III

$2,500

0.08% / 0.08%

Monthly

IRA Savings Account***

$0

0.20% / 0.20%

Monthly

DEPOSIT RATES AND TERMS
*APY=Annual Percentage Yield. Rates Subject To Change Without Notice. Rates as of 9.1.2023.

Bonus rate of .25% may be applied to any certificate except 15-month opened with new funds of $5K 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.

The minimum balance requirement is $100 for members age 18 and under to earn the stated APY.

**On IRA savings accounts, fees could reduce earnings on the account and early withdrawal penalties may be imposed.

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