Loans > Recreational

Fast. Free. Flexible. Finance your fun and pay less every month.

Life’s about more than getting from point A to point B. It’s about seeking thrills on a dirt trail or catching some sun on a pontoon. Add more leisure to your life with a low-rate recreational vehicle loan.

Apply for your loan online today

What makes a recreational loan at Arsenal unique?

Fast

Apply for your loan online, through live chat or in a branch and we’ll give you a quick decision. Or, get on-the-spot Arsenal financing at many dealerships.

Free

Never pay an application fee to apply for a loan at Arsenal. Never pay a penalty for repaying your loan balance early.

Flexible

Terms on our recreational loans are flexible. Find a custom solution that fits your unique needs. Eligible members can skip a payment once every 6 months, up to five times total, with no penalties directly through online + mobile banking.

Tip: Get preapproved for your recreational vehicle loan. You’ll have more leverage to negotiate a better price at the dealer.

Apply for your loan online

Boat Loans

You can’t buy happiness, but you can buy a boat. That’s kind of the same thing.

  • Same low rates for new and used boats
  • Flexible terms up to 180 months
Apply now

Motorcycle & All-Terrain Vehicle (ATV) Loans

Burn trails. Burn rubber. Don’t burn a hole through your wallet with your monthly payment.

  • Same low rates for new and used motorcycles and ATVs
  • Flexible terms up to 84 months
  • Bundle title, tax and license costs into the terms of your loan
Apply now

Motorhome, Campervan & Travel Trailer Loans

Explore everything America has to offer. Spend more money on souvenirs, food and fun. Spend less on your monthly payment.

  • Same low rates for new and used motorhomes, campervans and travel trailers.
  • Flexible terms up to 180 months.
  • Bundle title, tax and license costs into the terms of your loan.
Apply now

Personal Watercraft (PWC) Loans

You know you’re going to have fun with one of these things. Enjoy yourself even more knowing you’re paying less on your loan.

  • Same low rates for new and used PWC
  • Flexible terms up to 84 months
  • Bundle title, tax and license costs into the terms of your loan
Apply now

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 from the table below to see your estimated monthly payment.

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Loan Calculator
Deposit Calculator

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

Total Savings

$

View current rates

Vehicle Loan Rates
Home Loan Rates
Credit Card Rates
Deposit Rates

APR*

Term

5.25% APR-20.00% APR

0-36 months

5.25% APR-21.00% APR

37-48 months

7.00% APR-22.00% APR

49-63 months

7.00% APR-23.00% APR

64-72 months

7.00% APR-15.50% 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 4.1.2024.

APR*

Term

5.75% APR-20.00% APR

0-36 months

5.75% APR-21.00% APR

37-48 months

7.50% APR-22.00% APR

49-63 months

7.50% APR-23.00% APR

64-72 months

7.50% APR-15.50% 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 4.1.2024.

APR*

Term

7.25% APR-23.50% APR

0-36 months

8.25% APR-24.50% APR

37-48 months

9.75% 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 4.1.2024.

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 4.1.2024.

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 4.1.2024.

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 4.1.2024.

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 4.1.2024.

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 4.1.2024.

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 4.1.2024.

Loan Type

APR*

Term

Payment

New car: 2022-2024

7.75%

72 months

$17.41

Used car: 2022-2023

6.75%

48 months

$23.83

Used car: 2019-2021

8.25%

84 months

$15.71

Used car: 2014-2018

8.75%

72 months

$17.90

Older-model auto

8.25%

48 months

$24.53

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 4.1.2024.

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 4.1.2024.
– 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 4.1.2024.

– 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

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 4.1.2024.
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 4.1.2024.

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 4.1.2024.

**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 4.1.2024.

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.

***To qualify for highest rate noted, deposits made to Money Mover CD must be new funds from an account outside of Arsenal Credit Union.

What are people saying?

“The employees always make me feel as if they know me personally. They are very friendly and a pleasure to deal with. They seem to smile a lot.”

James H.
Member

The fun is just a click away

Finance your next recreational vehicle with us.

Apply online

Credit union membership and qualifications are required. Loan terms and conditions depend on credit qualifications and approval. See if you’re eligible to join the credit union here. For assistance opening accounts, applying for loans and other general inquiries, start a live chat during normal business hours.