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 or start a savings account for your kid, you’ll find what you need at Arsenal.

You can also earn more money with a CD or money market account. Use the CD calculator to estimate your earnings.

CD rate calculator Open account online

Earn more, faster, with short-term CDs

Right now, you can earn 3.50% APY on a CD with a three-month term. Learn more about opening a CD or use our CD calculator to find out how much you could earn in a short period.

APY=Annual Percentage Yield. Rates as of 4.1.2025 and subject to change without notice.

Earn more money faster CD calculator

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.

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. You can make unlimited withdrawals in-person, at a branch. Plus, make up to six automatic withdrawals each month, including three by check.

No fees

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

Open a money market account online

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

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.

CD calculator

Use the calculator to see how much you can possibly earn with a deposit account at Arsenal. Start a live chat with us to open your account online. For six-month CDs, please input 0.5 into the years section of the calculator. For three-month CDs, please input 0.25.

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

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Take advantage of higher rates on CDs and money market accounts

Loan Rates
Home Loan Rates
Credit Card Rates
Deposit Rates

APR*

Term

5.00% APR-20.00% APR

0-36 months

5.50% APR-21.00% APR

37-48 months

5.75% APR-22.00% APR

49-63 months

5.75% APR-23.00% APR

64-72 months

6.00% APR-17.00% APR

73-84 months

New auto loan (current and last model year, never been 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 5.09.2025.

APR*

Term

5.50% APR-20.00% APR

0-36 months

5.75% APR-21.00% APR

37-48 months

5.75% APR-22.00% APR

49-63 months

6.25% APR-23.00% APR

64-72 months

7.00% APR-18.00% APR

73-84 months

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 5.09.2025.

APR*

Term

6.50% APR-23.50% APR

0-36 months

7.50% APR-24.50% APR

37-48 months

8.50% APR-25.50% APR

49-63 months

Previously titled – Up to 95% 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 5.09.2025.

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 4.1.2025.

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 4.1.2025.

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 4.1.2025.

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 4.1.2025.

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 4.1.2025.

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 4.1.2025.

APR*

Term

12.49% APR-20.49% APR

0-60 months

APR=Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2025. Min. $500 Max. $50,000.

APR*

Term

12.50% APR

N/A

APR=Annual Percentage Rate. Rates as of 4.1.2025 and subject to change. Min. $500 Max. $5,000. Available for checking accounts only.

APR*

Term

12.50% APR

N/A

APR=Annual Percentage Rate. Rates as of 4.1.2025 and subject to change. Min. $500 Max. $5,000. Available for savings accounts only.

Loan Type

APR*

Term

Payment

New car: 2024-2026

6.00%

72 months

$16.57

Used car: 2016-2026

6.00%

48 months

$23.49

Older-model auto

8.00%

48 months

$24.41

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

12.49%

18 months

$61.21

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 4.1.2025.

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 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 4.1.2025.
– 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 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 4.1.2025.

– 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 Jon DeBold at 636.575.0678. Visit our mortgage application site to start your application online.

Loan Type

APR*

Term

Go Green Home Improvement Loans

5.99% APR-19.49% APR

0-60 months

APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2025. Go Green loans are available for select energy-efficient products and contracting services. All loans within this program require a purchase order/invoice order to pay loaned funds directly to the merchant unless otherwise stated by the loan officer. Any purchase order/invoice with an ENERGY STAR designation is acceptable for this loan.

Loan Type

APR*

Term

Payment

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 4.1.2025.
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)

Share Secure Credit Card

$300 - $3,000 credit limit

13.90% APR

Youth Credit Card*

$300 - $500 credit limit

13.90% APR

APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 4.1.2025.

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

*Youth credit cards available to those between the ages of 16-18. Must have qualified adult co-signor/guarantor to open this credit card.

 

Term

Minimum Balance to Earn

APY* / Interest Rate

With IRA CD - APY / Rate

3-month Quarterly

$500

3.50% / 3.445%

3.50% / 3.445%

6-month Quarterly

$500

3.75% / 3.698%

3.75% / 3.698%

12-month Quarterly

$500

3.85% / 3.796%

3.85% / 3.796%

15-month Quarterly**

$10,000

4.00% / 3.941%

4.00% / 3.941%

18-month Quarterly

$500

3.50% / 3.455%

3.50% / 3.455%

24-month Quarterly

$500

3.45% / 3.406%

3.45% / 3.406%

36-month Quarterly

$500

3.35% / 3.309%

3.35% / 3.309%

48-month Quarterly

$500

3.30% / 2.260%

3.30% / 3.260%

60-month Quarterly

$500

3.25% / 3.211%

3.25% / 3.211%

*APY=Annual Percentage Yield. Rates Subject To Change Without Notice. Rates as of 5.1.2025.

**Money Mover CD $10,000 minimum balance, new funds only. No rate bump allowed.  Subject to change without notice.

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

Premier Checking 1

See footnote for explanation

4.25% / 4.169%

Monthly

Premier Checking 2

See footnote for explanation

0.08% / 0.08%

Monthly

Money Market Account

$2,500 - $9,999

2.25% / 2.227%

Monthly

$10,000 - $24,999

2.35% / 2.325%

Monthly

$25,000 - $49,999

2.45% / 2.423%

Monthly

$50,000 - $99,999

2.75% / 2.716%

Monthly

$100,000 and over

2.95% / 2.911%

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

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 5.8.2025.

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.

***Money Mover CD has a $10,000 minimum balance. Only new funds eligible. No rate bump allowed

1 + 2 This 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.

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