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    Hi! Is there something I can help you find?

    • What would you like to borrow for?
      • A home
        • Great, what are you more interested in?
          • I’d like to buy a home, or refinance my current loan.
            • Sounds great. We offer Mortgage Loans at great prices, as well as refinancing options.
          • I want to make some environmentally friendly home improvements.
            • Let’s get started making our community greener. We offer no-collateral Home Improvement loans just for that. We think you’ll love our rates.
          • I’m more interested in using the value in my home to get a loan.
            • Sounds good. Would you prefer a lump sum of cash for your loan, or more flexible spending?
              • Lump sum
                • Sounds like you are looking for a Home Equity Loan. It’s a great way to secure a lower rate, and you can use the money on any expense.
              • Flexible spending
      • A car
      • Something fun
        • What are you interested in?
          • Boat
            • Awesome! Let us help you get on the water. We offer low rates and long terms to make your Boat Loan payments affordable.
          • Personal Watercraft
          • Motorcycle or ATV
            • You’re one step closer to hitting the open road or trail. We have the right financing on Motorcycle and ATV Loans to make it happen.
          • Motorhome, Campervan or Travel Trailer
      • Something else
        • Okay. Business or personal?
          • Business
            • Sounds great! We offer a wide range of Business Loans, including loans for vehicles, equipment and real estate.
          • Personal
            • Terrific! We offer Personal Loans for any need, including weddings, vacations and debt consolidation.
      • I’m mostly interested in a credit card
    • What would you like help with?
      • Accessing my accounts
        • Okay, how would you like to access your accounts?
          • Online
            • Ok! If this is your first time using Online Banking?
              • Yes
                • Okay! To enroll, call us during normal business hours at 314.962.6363 (or 618.239.6363 for Illinois members; 1.800.719.6363 if you are outside of the St. Louis area) and press option 6, then 2.
              • No
                • Great. To access your account, simply click “Login” in the upper right hand corner of the page.
          • On my mobile device
      • Opening a checking account
        • Great! What do you care most about in a checking account?
          • Earning interest
            • Okay! Both our Advantage Plus Checking and Value Checking accounts earn interest. Advantage Plus earns higher interest than Value Checking. With Value Checking, there’s no monthly fee if you maintain an average daily balance of $500 or more.
          • Having no fees
          • Getting free checks
      • Signing up for eStatements
        • Cool! If you are already signed up for and using our online banking service, all you need to do is click on the eStatements tab within online banking and accept the disclosure that appears.
      • Getting insurance
      • Reporting a lost or stolen card
        • We’re sorry to hear that. Is this during or after business hours?
          • During
            • Please call us at 314.962.6363 or 618.239.6363, and press option 6, then 1.
          • After
            • If it’s your debit card, please call 1.888.918.774. If it’s your credit card, please call 1.866.820.3035.
      • Taking control of your debit/credit card
      • Sending money to family and friends
    • What would you like to save for?
      • An upcoming holiday or vacation
        • Sounds lovely! We have both Christmas Club and Vacation Club accounts available to our members. Check out our Savings page and scroll down for more info.
      • Retirement
      • College
        • Meet with our financial advisor to learn about the different options available for funding a college education, including the Coverdell Educational Savings Account and the 529 College Savings Plan.
      • Something else – and I’d like to earn a good interest rate
        • Do you have some money saved up already?
          • Yes, quite a bit
            • Nice! Are you okay with leaving your money untouched for a while?
              • Sure
                • Cool! We think you might like one of our CDs. You agree to leave your money untouched for a while in exchange for a higher interest rate.
              • I’d prefer to make withdrawals when I need to.
                • Sounds good. Check out our Money Market account. It’s a little more flexible, but still gets you a higher rate.
          • Not much
            • No worries. Once you open a Savings account, you can open secondary accounts for whatever you need, including college, rainy day funds and more.
      • I’d prefer just a basic savings account
        • Ok! Our Savings account sounds just right for you. It also secures your Arsenal membership.
      • I want to make saving automatic
        • We can help. Enroll in our Spend to Save program to have your debit card transactions rounded up to the nearest dollar, with the change deposited to your savings account. You can also set up a payroll deduction to have a part of your paycheck deposited directly into savings each pay period.

    Spend to Save

    "Customer service was very attentive and worked quickly. I would definitely recommend Arsenal Credit Union to anyone!"

    Tonya H.

    • Automatic

      Enroll and save

    • Free

      No fees to pay

    • Contact Us

    Watch your spare change add up

    If you’re like most Americans, saving money can be a real challenge. If you need help saving, Spend to Save makes it easy.

    Spend to Save rounds up transactions you make using your Arsenal debit card and automatically deposits the change into your savings account. For example: If you make a transaction for $4.76, Spend to Save will deposit 24 cents into your Arsenal savings account. Over time, your spare change will add up!

    Why enroll in Spend to Save?

    Here’s what sets our Spend to Save program apart from the competition:

    1. 1

      It's free

      Many other "round-up" apps on the market cost money to use. Our Spend to Save program is free.

    2. 2

      It's automatic

      We take the thinking out of saving. Watch your account grow just by using your Arsenal debit card.

    3. 3

      It's convenient

      There's no additional app to download. View all of your transactions within online or mobile banking.

    Keep your piggy bank safe

    You can enroll in Spend to Save by visiting a branch or contacting us via our Live Chat tool.

    Contact Us

    FAQs

    All you need is a checking account with a debit card at Arsenal. As of February 2020, Spend to Save is only available for consumer accounts.
    To enroll in Spend to Save, visit a branch and a member service rep will enroll you in the program. Or, you can email or call us or start a live chat with one of our eServices representatives and we will sign you up – with nothing to sign!
    When viewing your online and mobile banking accounts, Spend to Save transactions will appear as “Deposit SPD2SAV TRANSFER.”

    Still have questions?

    Ask a question right now.

    Ask a Question
    Get started on your savings goals with Spend to Save Living paycheck to paycheck doesn't mean you don't make enough money. Fifty-four percent... Read

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    Start a Live Chat

    For accounting purposes, if more than one debit card transaction posts to your account in a calendar day, the change will be totaled and transferred to your savings account and show as a single “Spend to Save” transaction. For example: on purchases of $12.64, $33.17 and $68.41, the transferred amount will show as $1.78 in your savings account, reflecting 36 cents, 83 cents and 59 cents being added up.

    If the transfer of “Spend to Save” funds would result in an overdraft, the transfer will not occur.