Fill out our quick auto refinance form or contact us.
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Short-term investments. Long-term payoffs. See our special rates on CDs and money market accounts.
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Rates on auto refinances starting at 7.25% APR*
Nothing compares to that rush you get when purchasing a new vehicle. That rush doesn’t have to lead to a less-than-perfect financing situation.
$3,634.70
Average saved
In 2022, Arsenal members saved an average of $3,634.70 in total interest by refinancing bad loans they had elsewhere.
$1.8 million
Total Saved
Since March 2017, members saved more than $1.8 million through auto refinancing.
$24,165.05
Less in interest
A member who moved his auto loan balance in August 2022 will end up paying $24,165.05 less in interest after refinancing a $52,704.27 balance from another lender with us.
See how much you can save by refinancing. You pay no credit union fees to move your current auto loan from another lender to us.
1
Fill out our quick auto refinance form or contact us.
2
Our auto refinance specialist will calculate your savings.
3
We'll reach back to you with a quick decision + a new rate and repayment terms.
Maybe your credit score has improved since you got your vehicle loan. Maybe you just got stuck with a bad loan.
When you get a lower rate, your monthly payment goes down, letting you keep more of your hard-earned money in your pocket.
Payment-free is the way to be. Not only can you possibly get a better rate by refinancing, but you could also finish paying your loan faster.
In July 2021, we shortened a member’s repayment terms from 79 to 60 months!
Fill out the form and we’ll contact you with a quick decision, your new rate and new repayment terms.
Email our auto refinance specialist Tracey Fleischman directly at and she’ll help you through the process.
See how much our competitive rates saved members in total interest on their payments after they switched their original loans to us.
“Switching to Arsenal was the best banking decision I ever made. I wish I would’ve done it earlier.”
James R.
Member
APR*
Term
7.25% APR-22.25% APR
0-36 months
7.50% APR-22.75% APR
37-48 months
8.50% APR-22.75% APR
49-63 months
9.75% APR-22.75% APR
64-72 months
11.25% APR-18.00% 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 3.1.2023.
APR*
Term
7.25% APR-22.25% APR
0-36 months
7.50% APR-22.75% APR
37-48 months
8.50% APR-22.75% APR
49-63 months
9.75% APR-22.75% APR
64-72 months
11.25% APR-18.00% 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 3.1.2023.
APR*
Term
7.50% APR-22.75% APR
0-36 months
8.00% APR-23.25% APR
37-48 months
8.75% APR-23.25% APR
49-63 months
10.50% APR-23.25% APR
64-72 months
11.50% APR-18.25 % 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 3.1.2023.
APR*
Term
8.25% APR-23.00% APR
0-36 months
8.75% APR-23.50% APR
37-48 months
9.75% APR-23.50% APR
49-63 months
11.25% APR-23.50% APR
64-72 months
12.00% APR-15.75% 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 3.1.2023.
APR*
Term
10.00% APR-24.00% APR
0-36 months
10.75% APR-24.50% APR
37-48 months
13.50% APR-24.50% APR
49-63 months
Older Models (2012-1990) – Up to 95% of current NADA retail value financed
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 3.1.2023.
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
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 3.1.2023.
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 3.1.2023.
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 3.1.2023.
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 3.1.2023.
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 3.1.2023.
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 3.1.2023.
Loan Type
APR*
Term
Payment
New car: 2022-2024
9.75%
72 months
$18.40
Used car: 2022-2023
7.50%
48 months
$24.18
Used car: 2019-2021
11.50%
84 months
$17.39
Used car: 2014-2018
11.25%
72 months
$19.16
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 3.1.2023.
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 3.1.2023.
– 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 3.1.2023.
– 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 3.1.2023.
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 3.1.2023.
Product
Minimum Balance to Earn APY*
APY / Dividend Rate / Interest Rate
Compounding Frequency
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
Money Market Account
$2,500 - $9,999
1.65% / 1.638%
Monthly
$10,000 - $24,999
1.75% / 1.736%
Monthly
$25,000 - $49,999
1.85% / 1.834%
Monthly
$50,000 - $99,999
1.95% / 1.933%
Monthly
$100,000 and over
2.05% / 2.031%
Monthly
DEPOSIT RATES AND TERMS
Rates Subject To Change Without Notice. Rates as of 3.1.2023.
*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 None
$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
4.00% / 3.941%
4.00% / 3.941%
18-month Quarterly
$500
4.05% / 3.990%
4.05% / 3.990%
24-month Quarterly
$500
4.25% 4.184%
4.25% 4.184%
36-month Quarterly
$500
3.10% 3.065%
3.10% 3.065%
48-month Quarterly
$500
3.15% 3.113%
3.50% 3.455%**
60-month Quarterly
$500
3.20% 3.162%
3.75% 3.698%**
Rates Subject To Change Without Notice. Rates as of 3.1.2023.
*APY=Annual Percentage Yield. Earn a 0.25% APY rate bump when opening a CD with funds not currently on deposit at Arsenal Credit Union. Offer valid 2.6.2023 through 3.31.2023. Subject to change without notice.
**Promotional rates effective for IRA certificates only
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.