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.
Arsenal provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. The credit union is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. When you exit our site, our Privacy Policy is no longer in effect. Thank you for visiting us online. Please return when you need information about Arsenal’s products and services.
Rates on new and used auto loans starting at 7.00% APR*
Great rates. Flexible repayment terms. Personalized service. Every auto lender claims they offer
these things. What makes getting an auto loan at Arsenal different? It’s simple. We’re in the business
of saving you time and money.
Apply online, through Live Video Banking or at a branch and you’ll get a quick decision on your loan. You can even get on-the-spot Arsenal financing at most dealers in the St. Louis area.
You’ll be able to figure out exactly what add-ons, extras and insurances you need without any of the pressure. You’ll get a custom rate and your preferred repayment terms (up to 84 months).
Unique perks that make your auto loan at Arsenal simply the best. Your Arsenal Member Advocate will help you understand these benefits and extras so you get exactly what you need.
Unique perks that make your auto loan at Arsenal simply the best. Your Arsenal Member Advocate will help you understand these benefits and extras so you get exactly what you need.
You pay no application fees. There are also no pre-payment penalties.
Pay your loan easily in online or mobile banking — with an Arsenal account or an outside account/debit card.
Explore add-on options like GAP Plus, Debt Protection with Life Plus, Vehicle Service Contracts and auto insurance.
Postpone an auto loan payment once every 6 months, up to five times total, with no penalties or dings to your credit score.
Auto dealers don’t want you to know the trick to saving time and money when buying a car. We’re going to let you in on the secret: Get preapproved!
Begin your application online, start a video chat with an Arsenal rep or visit one of our branches.
After you apply, we’ll give you a quick decision on your loan, plus your rate and repayment terms.
If you already have something picked out, head to the dealer. If you don’t know what you want, having your auto loan preapproval will let the salesperson know you’re serious about buying and give you more leverage when negotiating a price.
Once you’re ready to make a purchase, the dealer will send us the purchase agreement. You’ll be able to electronically sign your loan documents, and the dealer will get the funds for the vehicle.
Freedom! Enjoy your new vehicle.
Our first-time borrower program is an excellent way to get a car and establish credit. Borrow up to $12,000 at a low rate of 11.50% APR. Get up to 60 months to pay off your loan.
No down payment required. Finance up to 100 percent of your vehicle’s value.
See what your potential monthly payment rate will be based on the type of loan you need for the age of the car you want to finance. Use the table below for our most current rates.
Apply online
Format: 12m, 36m, 3y, 7y
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 11.1.2023.
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 11.1.2023.
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 11.1.2023.
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 11.1.2023.
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 11.1.2023.
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 11.1.2023.
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
Used Boats – Up to 90% of NADA retail value financed
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 11.1.2023.
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 11.1.2023.
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 11.1.2023.
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 11.1.2023.
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 11.1.2023.
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 11.1.2023.
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 11.1.2023.
– 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 11.1.2023.
– 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 11.1.2023.
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 11.1.2023.
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
$10,000
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 11.1.2023.
**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 $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.
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 11.1.2023.
Bonus rate of .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.
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.
“Great rate, a quick car loan approval and I was out the door in less than 15 minutes!”
Christie O.
Member