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Rates

  • Vehicle Loan Rates

    New Car

    APR* Term
    2.99% APR-17.49% APR 0-36 months
    3.24% APR-17.49% APR 37-48 months
    3.49% APR-17.49% APR 49-63 months
    3.74% APR-17.49% APR 64-72 months
    4.99% APR-10.99% 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)

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 07-01-18.

    Used Car: 2014-2018

    APR* Term
    2.99% APR-17.49% APR 0-36 months
    3.24% APR-17.49% APR 37-48 months
    3.49% APR-17.49% APR 49-63 months
    3.74% APR-17.49% APR 64-72 months
    4.99% APR-10.99% APR 73-84 months

    Used (model previously titled and no more than five years old, including current year) - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance)

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 07-01-18.

    Older Car Models

    APR* Term
    4.99% APR-19.45% APR 0-36 months
    5.24% APR-10.99% APR 37-60 months

    Older Models (9 years or older) - Up to 90% of current NADA retail value financed

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 07-01-18.

    Car Loan for First-Time Borrowers

    APR* Term
    7.50% APR 0-60 months

    Car loan for first-time borrowers - Maximum loan amount is $12,000. Other eligibility requirements must be met.

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 07-01-18.

    New Boats

    APR* Term
    5.75% APR-16.00% APR 0-60 months
    6.75% APR-16.30% APR 61-120 months
    7.25% APR-17.00% APR 121-144 months
    8.00% APR-17.50% 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 07-01-18.

    Used Boats

    APR* Term
    5.75% APR-16.00% APR 0-60 months
    6.75% APR-16.30% APR 61-120 months
    7.25% APR-17.00% APR 121-144 months
    8.00% APR-17.50% 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 07-01-18.

    New Motorcycles and Personal Watercraft

    APR* Term
    3.49% APR-18.25% APR 0-36 months
    3.49% APR-5.50% APR 37-60 months
    5.49% APR-7.50% 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 07-01-18.

    Used Motorcycles and Personal Watercraft

    APR* Term
    4.49% APR-19.25% APR 0-36 months
    6.49% APR-8.50% APR 37-72 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 07-01-18.

    New Motorhome, Campervan, Travel Trailer

    APR* Term
    7.25% APR-18.75% APR 0-84 months
    7.50% APR-18.75% APR 85-120 months
    7.95% APR-18.75% APR 121-144 months
    8.45% APR-18.75% 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 07-01-18.

    Used Motorhome, Campervan, Travel Trailer

    APR* Term
    7.25% APR-18.75% APR 0-84 months
    7.50% APR-18.75% APR 85-120 months
    7.95% APR-18.75% APR 121-144 months
    8.45% APR-18.75% 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 07-01-18.

  • Home Equity Loan

    Loan Type APR* Term
    Fixed-Rate 60% Home Equity Loan 4.25% Rate 4.25% APR $20,000 min., $150,000 max. 60% equity Up to 60 months 5-year amortization no escrow
    Fixed-Rate 80% Home Equity Loan 4.75%-5.25% Rate 4.75%-5.25% APR $5,000 min., $150,000 max 80% equity 24-, 60-, 84-, 120-, or 180- month repayment terms
    Fixed-Rate 100% Home Equity Loan 5.75%-6.25% Rate 5.75%-6.25% APR $5,000 min., $100,000 max. 100% equity 24-, 60-, 84-, 120-, or 180-month repayment terms

    *APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 07-01-18.
    - 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, county, and adjacent counties (St. Charles, Jefferson, Franklin) and IL counties of St. Clair, Madison, and Monroe

    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.

    Home Equity Line of Credit

    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 07-01-18.
    - 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, county, and adjacent counties (St. Charles, Jefferson, Franklin) and IL counties of St. Clair, Madison, and Monroe

    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.

    First Mortgages

    We offer short- and long-term fixed, adjustable and balloon mortgage rates.

    Rates may change daily. For current rates/terms, click here or call 314.962.6363, and press 4 then 1 to hear a recorded message. If you have found your dream home, consider locking in a rate as soon as possible.

  • Value & Advantage Plus Checking

    Product Minimum Balance to Earn APY APY Dividend/Interest Rate Compounding Frequency
    Value Checking $0 .10%/.10% Monthly
    Advantage Plus Checking $0 .20%/.20% Monthly

    Compare Checking

    Advantage Plus Checking Value Checking Totally Free Checking
    Monthly Fee $4.00 No balance requirement None if $500 minimum average daily balance requirement met; otherwise, $4.00 None
    Interest Paid Yes Yes No
    Check Orders Free (regal-style) or 50% off custom Refer to price list Refer to price list
    Advantages Free unlimited regal-style checks, card rewards, waived fees and earn higher interest. This is our top-tier account. Earn rewards on signature-based transactions & interest on your account balance. No monthly fees or minimum balance. Perfect for your everyday purchasing and bill-paying needs. Earn rewards on signature-based transactions.

    Compare Business Checking

    Business Checking I Business Checking II Business Checking III
    Transactions per month Up to 200 Up to 500 More than 500
    Per transaction fee 25 cents per transaction in excess of 200 50 cents per transaction in excess of 500 10 cents per transaction
    Monthly fee None $20 or waived with ADB of $5,000+ None
    Minimum deposit $100 $500 $1,000
    Earns dividends No On ADB* of $500+ On ADB of $2,500+
    Minimum ADB required None $5,000 None

    *ADB=Average Daily Balance

    Credit Cards - Visa Platinum

    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 8.75% APR
    *(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 07-01-18.

  • Deposit Rates and Terms

    PRODUCT MINIMUM BALANCE TO EARN APY* APY / DIVIDEND RATE / INTEREST RATE COMPOUNDING FREQUENCY
    Regular Savings $100 0.10% / 0.10% Monthly (Dividend)
    Special Savings $0 0.10% / 0.10% Monthly (Dividend)
    Tracker Kids Club $0 0.20% / 0.20% Monthly
    Christmas Club $0 0.20% / 0.20% Monthly
    Vacation Club $0 0.20% / 0.20% Monthly
    Value Checking $0 0.10% / 0.10% Monthly
    Advantage Plus Checking $0 0.20% / 0.20% Monthly
    Business Checking II $500 0.10% / 0.10% Monthly
    Business Checking III $2,500 0.20% / 0.20% Monthly
    IRA Savings Account** $0 0.30% / 0.30% Monthly
    Money Market Account $2,500 - $9,999 0.25% / 0.25% Monthly
    $10,000 - $24,999 0.35% / 0.35% Monthly
    $25,000 - $49,999 0.45% / 0.45% Monthly
    $50,000 - $99,999 0.50% / 0.50% Monthly
    $100,000 and over 0.60% / 0.60% Monthly

    DEPOSIT RATES AND TERMS
    Rates Subject To Change Without Notice. Rates as of 07-01-18.
    *APY=Annual Percentage Yield
    **On IRA savings accounts, fees could reduce earnings on the account and early withdrawal penalties may be imposed.

    Certificate of Deposit (CD) Terms and Rates

    TERM MINIMUM BALANCE TO EARN APY* / INTEREST RATE WITH IRA CD - APY / RATE
    3-month None $500 0.20% / 0.20% 0.20% / 0.20%
    6-month Quarterly $500 0.75% / 0.75% 0.75% / 0.75%
    12-month Quarterly $500 1.25% / 1.24% 1.25% / 1.24%
    18-month Quarterly $500 1.50% / 1.49% 1.50% / 1.49%
    24-month Quarterly $500 1.75% / 1.74% 1.75% / 1.74%
    36-month Quarterly $500 1.95% / 1.94% 1.95% / 1.94%
    48-month Quarterly $500 2.15% / 2.13% 2.15% / 2.13%
    60-month Quarterly $500 2.35% / 2.33% 2.35% / 2.33%

    Rates Subject To Change Without Notice. Rates as of 07-01-18.
    *APY=Annual Percentage Yield

    All certificates (except the 3 month) 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.