Loans > Auto Refinance

Why pay more? Take control and lower your auto loan payments

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.

Start Refinancing Today

In the business of saving you money

Individual Members:

$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.

All Members:

$1.8 million

Total Saved

Since March 2017, members saved more than $1.8 million through auto refinancing.

Individual Members:

$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.

Refinancing made easy at Arsenal

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.

Start Refinancing Today

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.

Get a better rate. Lower your monthly payment.

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.

Pay off your loan faster

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!

Two ways to get started

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.

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Real people saving real money

See how much our competitive rates saved members in total interest on their payments after they switched their original loans to us.

Patricia V.

Initial rate:

11.99%

APR from Stellantiss

New rate:

8.75%

APR from Arsenal

Amount refinanced:

$65,595.67

for Auto loan

Total interest savings:

$10,142.91

(with term shortened from 84 to 78 months, too!)

Odean S.

Initial rate:

6.59%

APR from Mechanics Bank Auto Finance

New rate:

1.99%

APR from Arsenal

Amount refinanced:

$21,698.65

for Auto loan

Total interest savings:

$3,958.53

(with term shortened from 73 to 36 months, too!)

Shawn R.

Initial rate:

16.00%

APR from Chrysler Capital

New rate:

5.79%

APR from Arsenal

Amount refinanced:

$52,704.27

for Auto loan

Total interest savings:

$24,165.05

John C.

Initial rate:

12.99%

APR from GM Financial

New rate:

4.74%

APR from Arsenal

Amount refinanced:

$39,146.99

for Auto loan

Total interest savings:

$10,300.99

What are people saying?

“Switching to Arsenal was the best banking decision I ever made. I wish I would’ve done it earlier.”

James R.
Member

Excellent rates that beat industry averages

Vehicle Loan Rates
Home Loan Rates
Credit Card Rates
Deposit Rates

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.

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