Get started on your savings goals with Spend to Save
Due to supply-chain issues and inflation, the cost of everyday items is increasing. Saving money is becoming more challenging – but it’s not impossible.
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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.
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.
All deposits are federally insured by NCUA.
Rates comparable to and often higher than competitors.
Set up a payroll deduction and have a set amount saved from your paycheck.
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.
The more you keep on deposit, the more you earn.
A money market is a blend of savings and checking. Write up to three checks and make a total of six withdrawals per month.
If the minimum balance requirement isn’t met, you won’t be charged a service fee.
Put aside money for a set period of time in exchange for a specific, higher-than-average interest rate.
Terms range from 3 to 60 months. The longer the term, the higher the yield.
Rates higher than what for-profit competitors are often paying.
Use your CD(s) as collateral for a loan.
Our award-winning Tracker Kids Club teaches children age 12 and under the importance of saving money.
Earn stamps for every $10.00 deposited and redeem for cool prizes.
Get a birthday card in the mail with a double-points offer.
Make a deposit of $10.00 and get entered in a drawing for $10.00 that month.
Earn up to $10.00 for your report card at the end of the school year.
Check your email for invitations to special Tracker Kids Club events.
Deposit money throughout the year. In early October, your funds are distributed to your main savings account.
Deposit money throughout the year. In early May, your funds are distributed back to your main savings account.
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.
Many other “round-up” apps on the market cost money.
Take the thinking out of saving and watch your account grow.
There are no additional apps to download.
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.
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.
Format: 12m, 36m, 3y, 7y
APR*
Term
5.75% APR-22.25% APR
0-36 months
5.75% APR-22.75% APR
37-48 months
6.75% APR-22.75% APR
49-63 months
7.25% APR-22.75% APR
64-72 months
8.00% APR-17.00% 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 5.26.2023.
APR*
Term
5.75% APR-22.25% APR
0-36 months
5.75% APR-22.75% APR
37-48 months
6.75% APR-22.75% APR
49-63 months
7.25% APR-22.75% APR
64-72 months
8.00% APR-17.00% 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 5.26.2023.
APR*
Term
6.25% APR-22.75% APR
0-36 months
6.50% APR-23.25% APR
37-48 months
7.50% APR-23.25% APR
49-63 months
8.00% APR-23.25% APR
64-72 months
9.50% APR-16.00% 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 5.26.2023.
APR*
Term
6.25% APR-23.00% APR
0-36 months
6.25% APR-23.50% APR
37-48 months
7.75% APR-23.50% APR
49-63 months
8.50% APR-23.50% APR
64-72 months
9.25% APR-14.75% 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 5.26.2023.
APR*
Term
10.00% APR-24.00% APR
0-36 months
10.75% APR-24.50% APR
37-48 months
11.00% APR-24.50% 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 5.26.2023.
APR*
Term
7.75% APR-18.00% APR
0-60 months
8.75% APR-18.30% APR
61-120 months
9.25% APR-19.00% APR
121-144 months
10.00% APR-19.50% 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 5.1.2023.
APR*
Term
7.75% APR-18.00% APR
0-60 months
8.75% APR-18.30% APR
61-120 months
9.25% APR-19.00% APR
121-144 months
10.00% APR-19.50% 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 5.1.2023.
APR*
Term
5.49% APR-19.99% APR
0-36 months
5.74% APR-7.24% APR
37-60 months
6.99% APR-8.99% 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 5.1.2023.
APR*
Term
5.49% APR-19.99% APR
0-36 months
5.74% APR-7.24% APR
37-60 months
6.99% APR-8.99% 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 5.1.2023.
APR*
Term
8.75% APR-22.25% APR
0-84 months
9.75% APR-22.25% APR
85-120 months
10.75% APR-22.25% APR
121-144 months
11.75% APR-23.25% 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 5.1.2023.
APR*
Term
8.75% APR-22.25% APR
0-84 months
9.75% APR-22.25% APR
85-120 months
10.75% APR-22.25% APR
121-144 months
11.75% APR-23.25% 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 5.1.2023.
Loan Type
APR*
Term
Payment
New car: 2022-2024
7.25%
72 months
$17.17
Used car: 2022-2023
5.75%
48 months
$23.37
Used car: 2019-2021
9.50%
84 months
$16.34
Used car: 2014-2018
8.50%
72 months
$17.18
Older-model auto
10.75
48 months
$25.72
New or used boat
8.75%
120 months
$12.53
New motorcycle
6.99%
72 months
$17.04
Used motorcycle
5.49%
36 months
$30.19
New or used RV
9.75%
120 months
$13.08
Personal
9.99%
18 months
$60.05
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 5.15.2023.
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 5.1.2023.
– 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 5.1.2023.
– 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 5.1.2023.
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 5.1.2023.
Product
Minimum Balance to Earn APY*
APY / Dividend Rate / Interest Rate
Compounding Frequency
Money Market Account
$2,500 - $9,999
2.50% / 2.469%
Monthly
$10,000 - $24,999
2.50% / 2.469%
Monthly
$25,000 - $49,999
3.00% / 2.956%
Monthly
$50,000 - $99,999
3.50% / 3.440%
Monthly
$100,000 and over
3.50% / 3.440%
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
Rates Subject To Change Without Notice. Rates as of 5.1.2023.
*APY=Annual Percentage Yield
**On IRA savings accounts, fees could reduce earnings on the account and early withdrawal penalties may be imposed.
Term
Minimum Balance to Earn
APY* / Interest Rate
With IRA CD - APY / Rate
3-month Monthly
$500
1.75% / 1.739%
1.75% / 1.739%
6-month Quarterly
$500
2.30% / 2.280%
2.30% / 2.280%
12-month Quarterly
$500
3.05% / 3.008%
3.05% / 3.008%
15-month Quarterly
$25,000
5.00% / 4.909%*
5.00% / 4.909%*
18-month Quarterly
$500
3.10% / 3.065%
3.10% / 3.065%
24-month Quarterly
$500
3.20% / 3.162%
3.20% / 3.162%
36-month Quarterly
$500
3.25% / 3.211%
3.25% / 3.211%
48-month Quarterly
$500
3.30% / 3.260%
3.30% / 3.260%
60-month Quarterly
$500
3.75% / 3.698%
3.75% / 3.698%
Rates Subject To Change Without Notice. Rates as of 5.1.2023.
*APY=Annual Percentage Yield. 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.
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